Audi A8 Insurance Rates

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UPDATED: Apr 3, 2024

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U.S. average insurance rates for an Audi A8 are $1,280 a year for full coverage. Comprehensive insurance costs approximately $256, collision costs $392, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,760 or more. 16-year-old drivers pay the highest rates at $4,906 a year or more.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Comprehensive $256
Collision $392
Liability $474

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all A8 models.

Price Range from Low to High

For a 40-year-old driver, Audi A8 insurance prices go from the low end price of $522 for liability-only coverage to the much higher price of $2,760 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,280
High Risk $2,760

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than congested cities.

The example below illustrates how your location can change auto insurance prices.

Rural Areas $960
Small Cities $1,344
Large Cities $1,728

The ranges above show why everyone should get quotes using their specific location, rather than using 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.

Additional Charts and Tables

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

  • The best full coverage rate is $752
  • Choosing higher $1,000 deductibles can save $148 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,280
  • Buying pricier low deductibles for comp and collision coverage will cost an additional $282 each year
  • Drivers with multiple tickets or accidents could pay around $2,760 or more
  • The price that insures a teenage driver for full coverage can cost $4,906 each year

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance prices range from $752 to $4,906

Car insurance prices for an Audi A8 are also quite variable based on the model of your A8, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Audi A8 insurance for high-risk drivers ranges around 43% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,830 on average in New York, Louisiana, and Michigan.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,158 -$122 -9.5%
Alaska $980 -$300 -23.4%
Arizona $1,062 -$218 -17.0%
Arkansas $1,280 -$0 0.0%
California $1,458 $178 13.9%
Colorado $1,222 -$58 -4.5%
Connecticut $1,316 $36 2.8%
Delaware $1,450 $170 13.3%
Florida $1,602 $322 25.2%
Georgia $1,180 -$100 -7.8%
Hawaii $920 -$360 -28.1%
Idaho $866 -$414 -32.3%
Illinois $952 -$328 -25.6%
Indiana $964 -$316 -24.7%
Iowa $864 -$416 -32.5%
Kansas $1,218 -$62 -4.8%
Kentucky $1,746 $466 36.4%
Louisiana $1,894 $614 48.0%
Maine $790 -$490 -38.3%
Maryland $1,056 -$224 -17.5%
Massachusetts $1,024 -$256 -20.0%
Michigan $2,224 $944 73.8%
Minnesota $1,070 -$210 -16.4%
Mississippi $1,532 $252 19.7%
Missouri $1,136 -$144 -11.3%
Montana $1,376 $96 7.5%
Nebraska $1,008 -$272 -21.3%
Nevada $1,536 $256 20.0%
New Hampshire $920 -$360 -28.1%
New Jersey $1,430 $150 11.7%
New Mexico $1,134 -$146 -11.4%
New York $1,348 $68 5.3%
North Carolina $738 -$542 -42.3%
North Dakota $1,048 -$232 -18.1%
Ohio $882 -$398 -31.1%
Oklahoma $1,314 $34 2.7%
Oregon $1,172 -$108 -8.4%
Pennsylvania $1,222 -$58 -4.5%
Rhode Island $1,706 $426 33.3%
South Carolina $1,160 -$120 -9.4%
South Dakota $1,080 -$200 -15.6%
Tennessee $1,122 -$158 -12.3%
Texas $1,542 $262 20.5%
Utah $948 -$332 -25.9%
Vermont $878 -$402 -31.4%
Virginia $768 -$512 -40.0%
Washington $990 -$290 -22.7%
West Virginia $1,172 -$108 -8.4%
Wisconsin $888 -$392 -30.6%
Wyoming $1,142 -$138 -10.8%

View Chart as Image

Audi A8 insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $430 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.

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 $1,260 $105
Audi A8 4.2L Quattro 4-Dr Sedan $1,280 $107

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 $444 $894 $398 $1,894
2023 Audi A8 $430 $872 $416 $1,876
2022 Audi A8 $414 $836 $430 $1,838
2021 Audi A8 $392 $806 $442 $1,798
2020 Audi A8 $376 $748 $452 $1,734
2019 Audi A8 $362 $704 $456 $1,680
2018 Audi A8 $346 $632 $460 $1,596
2017 Audi A8 $324 $580 $460 $1,522
2016 Audi A8 $312 $544 $464 $1,478
2015 Audi A8 $306 $508 $474 $1,446
2014 Audi A8 $282 $472 $474 $1,386
2013 Audi A8 $274 $428 $478 $1,338
2012 Audi A8 $256 $392 $474 $1,280
2010 Audi A8 $234 $320 $468 $1,180
2007 Audi A8 $208 $284 $446 $1,096

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 Find the Best Audi A8 Insurance

Getting lower rates on auto insurance takes being a good driver, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Comparison shop at every other renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following list is a brief recap of the concepts that were illustrated above.

  • Drivers who tend to receive serious violations could be forced to pay on average $1,480 more per year than a safer driver
  • Drivers age 16 to 20 pay the highest auto insurance prices, with premiums as much as $409 a month if full coverage is purchased
  • Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $425 each year
  • Drivers can save around $150 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Audi A8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,906
20 $2,928
30 $1,322
40 $1,280
50 $1,170
60 $1,146

Full coverage, $500 deductibles

Rates by Deductible

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,562
$250 $1,434
$500 $1,280
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,280
50/100 $1,375
100/300 $1,493
250/500 $1,801
100 CSL $1,422
300 CSL $1,683
500 CSL $1,873

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,968
20 $4,668
30 $2,806
40 $2,760
50 $2,636
60 $2,610

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 $175

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $68
Homeowner $21
5-yr Accident Free $87
5-yr Claim Free $82
Paid in Full/EFT $53
Advance Quote $60
Online Quote $90
Total Discounts $528
Rate after discounts $752

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

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