Audi A8 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 3, 2024
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Estimated insurance rates for an Audi A8 are $1,338 a year for full coverage. Comprehensive costs approximately $274 each year, collision insurance costs $428, and liability is estimated at $478. Liability-only coverage costs approximately $526 a year, and high-risk coverage costs around $2,892. Teen drivers pay the most at up to $5,096 a year.
Average premium for full coverage: $1,338
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and A8 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for an Audi A8 range from as low as $526 for the bare minimum liability coverage to a high rate of $2,892 for a high-risk insurance policy.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences show why all drivers should get quotes using their specific location and risk profile, instead of making a decision based on price 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 Rate Information
The chart below shows average Audi A8 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $781
- Choosing higher $1,000 deductibles can save $160 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,338
- Choosing low deductibles for comp and collision coverage will increase the cost to $1,646
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,892
- An auto insurance policy for full coverage for a 16-year-old driver can cost $5,096 each year
Insurance prices for an Audi A8 also have a wide range based on your driving characteristics, the trim level of your A8, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Audi A8 insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or as much as $1,910 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can save as much as $470 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Cheaper Audi A8 Insurance
Finding better rates on insurance for an Audi A8 takes being safe and accident-free, maintaining good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a condensed summary of the car insurance concepts touched on in this article.
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,550 more per year than a low-risk driver
- Drivers can save around $160 per year just by quoting online in advance
- Increasing policy deductibles can save around $475 each year
- Insureds who purchase more liability protection will pay about $530 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,506 |
| $500 | $1,338 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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