Audi A8 Insurance Rates
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UPDATED: Jun 3, 2023
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Estimated insurance rates for an Audi A8 are $1,160 a year for full coverage insurance. Comprehensive insurance costs around $230, collision insurance costs $312, and liability insurance costs $460. A policy with only liability insurance costs as little as $510 a year, and a high-risk policy costs $2,490 or more. Teens pay the most at up to $4,494 a year.
Average premium for full coverage: $1,160
Premium estimates for type of coverage:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all A8 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for an Audi A8 range from as low as $510 for a discount liability-only rate to the much higher price of $2,490 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences illustrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on averaged prices.
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.
Rates by State, City, and Model
The chart below illustrates average Audi A8 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $693
- Drivers who choose higher $1,000 deductibles will pay about $124 each year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,160
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $234 a year
- High risk drivers with serious driving violations could pay at least $2,490
- An auto insurance policy for full coverage for a teen driver for full coverage can be $4,494 a year
Car insurance prices for an Audi A8 also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $4,400 a year. View Rates by Age
Where you choose to live makes a big difference in Audi A8 insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,570 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,050 | -$110 | -9.5% |
| Alaska | $890 | -$270 | -23.3% |
| Arizona | $964 | -$196 | -16.9% |
| Arkansas | $1,160 | -$0 | 0.0% |
| California | $1,322 | $162 | 14.0% |
| Colorado | $1,110 | -$50 | -4.3% |
| Connecticut | $1,192 | $32 | 2.8% |
| Delaware | $1,314 | $154 | 13.3% |
| Florida | $1,452 | $292 | 25.2% |
| Georgia | $1,070 | -$90 | -7.8% |
| Hawaii | $832 | -$328 | -28.3% |
| Idaho | $786 | -$374 | -32.2% |
| Illinois | $864 | -$296 | -25.5% |
| Indiana | $874 | -$286 | -24.7% |
| Iowa | $782 | -$378 | -32.6% |
| Kansas | $1,102 | -$58 | -5.0% |
| Kentucky | $1,584 | $424 | 36.6% |
| Louisiana | $1,716 | $556 | 47.9% |
| Maine | $716 | -$444 | -38.3% |
| Maryland | $958 | -$202 | -17.4% |
| Massachusetts | $930 | -$230 | -19.8% |
| Michigan | $2,016 | $856 | 73.8% |
| Minnesota | $972 | -$188 | -16.2% |
| Mississippi | $1,390 | $230 | 19.8% |
| Missouri | $1,030 | -$130 | -11.2% |
| Montana | $1,246 | $86 | 7.4% |
| Nebraska | $916 | -$244 | -21.0% |
| Nevada | $1,392 | $232 | 20.0% |
| New Hampshire | $838 | -$322 | -27.8% |
| New Jersey | $1,296 | $136 | 11.7% |
| New Mexico | $1,028 | -$132 | -11.4% |
| New York | $1,222 | $62 | 5.3% |
| North Carolina | $668 | -$492 | -42.4% |
| North Dakota | $950 | -$210 | -18.1% |
| Ohio | $802 | -$358 | -30.9% |
| Oklahoma | $1,192 | $32 | 2.8% |
| Oregon | $1,062 | -$98 | -8.4% |
| Pennsylvania | $1,108 | -$52 | -4.5% |
| Rhode Island | $1,548 | $388 | 33.4% |
| South Carolina | $1,050 | -$110 | -9.5% |
| South Dakota | $980 | -$180 | -15.5% |
| Tennessee | $1,018 | -$142 | -12.2% |
| Texas | $1,398 | $238 | 20.5% |
| Utah | $860 | -$300 | -25.9% |
| Vermont | $796 | -$364 | -31.4% |
| Virginia | $696 | -$464 | -40.0% |
| Washington | $900 | -$260 | -22.4% |
| West Virginia | $1,062 | -$98 | -8.4% |
| Wisconsin | $804 | -$356 | -30.7% |
| Wyoming | $1,034 | -$126 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $360 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at least $1,400 to $1,900 extra annually, depending on your age. Audi A8 insurance for high-risk drivers can cost anywhere from 42% to 135% more than the average policy. 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 | $1,144 | $95 |
| Audi A8 4.2L Quattro 4-Dr Sedan | $1,160 | $97 |
Rates assume 2007 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 |
|---|---|---|---|---|
| 2007 Audi A8 | $230 | $312 | $460 | $1,160 |
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 More Affordable Audi A8 Insurance
Finding better rates on Audi A8 insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a summary of the ideas that were raised in the charts and tables above.
- Youthful drivers are the costliest to insure, with premiums being up to $375 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations may pay on average $1,330 more every year than a low-risk driver
- Increasing policy deductibles can save around $350 each year
- It is possible to save up to $130 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,494 |
| 20 | $2,640 |
| 30 | $1,192 |
| 40 | $1,160 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,394 |
| $250 | $1,288 |
| $500 | $1,160 |
| $1,000 | $1,036 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,160 |
| 50/100 | $1,252 |
| 100/300 | $1,367 |
| 250/500 | $1,666 |
| 100 CSL | $1,298 |
| 300 CSL | $1,551 |
| 500 CSL | $1,735 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,356 |
| 20 | $4,202 |
| 30 | $2,524 |
| 40 | $2,490 |
| 50 | $2,378 |
| 60 | $2,354 |
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 | $60 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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