Audi A8 Insurance Rates

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UPDATED: Apr 3, 2024

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The average insurance prices for an Audi A8 are $1,338 every 12 months with full coverage. Comprehensive costs approximately $274, collision costs $428, and liability insurance costs around $478. Buying just liability costs as low as $526 a year, with insurance for high-risk drivers costing around $2,892. 16-year-old drivers cost the most to insure at $5,096 a year or more.

Average premium for full coverage: $1,338

Policy rates by type of insurance:

Comprehensive $274
Collision $428
Liability $478

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all A8 models.

Price Range Variability

For the normal driver, Audi A8 insurance rates go from the cheapest price of $526 for just liability insurance to the much higher price of $2,892 for a driver required to buy high-risk insurance.

Liability Only $526
Full Coverage $1,338
High Risk $2,892

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Rural locations are shown to have more infrequent collision claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,004
Small Cities $1,405
Large Cities $1,806

The examples above demonstrate why everyone should compare prices using their specific location and their own driving history, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below details estimated Audi A8 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $781
  • Using higher $1,000 deductibles will save $160 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,338
  • Buying pricier low deductibles for physical damage coverage increases the price to $1,646
  • Drivers with multiple tickets or accidents could pay around $2,892 or more
  • Policy cost to insure a teen driver for full coverage can cost $5,096 or more

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance rates range from $781 to $5,096

Insurance rates for an Audi A8 also range considerably based on liability limits and deductibles, your driving record, and the model of your A8.

Opting for high physical damage deductibles could cut rates by as much as $470 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. Audi A8 insurance for high-risk drivers can be anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Audi A8 insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Utah, Ohio, and New Hampshire, or at least $1,810 on average in New York, Michigan, and Florida.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,212 -$126 -9.4%
Alaska $1,026 -$312 -23.3%
Arizona $1,112 -$226 -16.9%
Arkansas $1,338 -$0 0.0%
California $1,526 $188 14.1%
Colorado $1,280 -$58 -4.3%
Connecticut $1,376 $38 2.8%
Delaware $1,516 $178 13.3%
Florida $1,676 $338 25.3%
Georgia $1,236 -$102 -7.6%
Hawaii $962 -$376 -28.1%
Idaho $906 -$432 -32.3%
Illinois $998 -$340 -25.4%
Indiana $1,010 -$328 -24.5%
Iowa $904 -$434 -32.4%
Kansas $1,274 -$64 -4.8%
Kentucky $1,828 $490 36.6%
Louisiana $1,982 $644 48.1%
Maine $826 -$512 -38.3%
Maryland $1,104 -$234 -17.5%
Massachusetts $1,072 -$266 -19.9%
Michigan $2,328 $990 74.0%
Minnesota $1,120 -$218 -16.3%
Mississippi $1,606 $268 20.0%
Missouri $1,188 -$150 -11.2%
Montana $1,440 $102 7.6%
Nebraska $1,056 -$282 -21.1%
Nevada $1,606 $268 20.0%
New Hampshire $964 -$374 -28.0%
New Jersey $1,498 $160 12.0%
New Mexico $1,186 -$152 -11.4%
New York $1,412 $74 5.5%
North Carolina $770 -$568 -42.5%
North Dakota $1,096 -$242 -18.1%
Ohio $926 -$412 -30.8%
Oklahoma $1,376 $38 2.8%
Oregon $1,226 -$112 -8.4%
Pennsylvania $1,278 -$60 -4.5%
Rhode Island $1,786 $448 33.5%
South Carolina $1,214 -$124 -9.3%
South Dakota $1,130 -$208 -15.5%
Tennessee $1,172 -$166 -12.4%
Texas $1,616 $278 20.8%
Utah $994 -$344 -25.7%
Vermont $916 -$422 -31.5%
Virginia $800 -$538 -40.2%
Washington $1,034 -$304 -22.7%
West Virginia $1,226 -$112 -8.4%
Wisconsin $926 -$412 -30.8%
Wyoming $1,194 -$144 -10.8%

View Chart as Image

Audi A8 insurance rates by U.S. city

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Audi A8 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi A8 4.2 Quattro 4-Dr Sedan $1,318 $110
Audi A8 4.2L Quattro 4-Dr Sedan $1,338 $112

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Audi A8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A8 $464 $900 $390 $1,912
2023 Audi A8 $444 $894 $398 $1,894
2022 Audi A8 $430 $872 $416 $1,876
2021 Audi A8 $414 $836 $430 $1,838
2020 Audi A8 $392 $806 $442 $1,798
2019 Audi A8 $376 $748 $452 $1,734
2018 Audi A8 $362 $704 $456 $1,680
2017 Audi A8 $346 $632 $460 $1,596
2016 Audi A8 $324 $580 $460 $1,522
2015 Audi A8 $312 $544 $464 $1,478
2014 Audi A8 $306 $508 $474 $1,446
2013 Audi A8 $282 $472 $474 $1,386
2012 Audi A8 $274 $428 $478 $1,338
2010 Audi A8 $242 $356 $474 $1,230
2007 Audi A8 $226 $298 $452 $1,134

Rates are averaged for all Audi A8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Affordable Audi A8 Insurance

Finding cheaper rates on Audi A8 insurance requires having a decent driving record, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by requesting quotes from direct companies, and also from insurance agencies where you live.

The following items are a brief review of the data presented in the illustrations above.

  • Drivers who purchase additional liability coverage will pay around $530 every year to increase from a 30/60 limit to a 250/500 level
  • You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $475 each year
  • 16 to 18-year-old drivers are expensive to insure, as much as $425 each month if they have full coverage

Rates by Driver Age

Audi A8 Insurance Rates by Driver Age
Driver Age Premium
16 $5,096
20 $3,064
30 $1,386
40 $1,338
50 $1,226
60 $1,200

Full coverage, $500 deductibles

Rates by Deductible

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,506
$500 $1,338
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,338
50/100 $1,434
100/300 $1,553
250/500 $1,864
100 CSL $1,481
300 CSL $1,744
500 CSL $1,936

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A8 Insurance Rates for High Risk Drivers
Age Premium
16 $7,248
20 $4,886
30 $2,942
40 $2,892
50 $2,760
60 $2,732

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $64
Online Quote $94
Total Discounts $557
Rate after discounts $781

Discounts are estimated and may not be available from every company or in every state.

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