Audi A8 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

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The average insurance prices for an Audi A8 are $1,180 every 12 months with full coverage. Comprehensive insurance costs approximately $234, collision costs $320, and liability costs $468. Liability-only insurance costs as little as $518 a year, with high-risk driver insurance costing $2,536 or more. Teen drivers cost the most to insure at $4,570 a year or more.

Average premium for full coverage: $1,180

Policy rates by type of insurance:

Comprehensive $234
Collision $320
Liability $468

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all A8 models.

Price Range Variability

Using a 40-year-old driver as an example, Audi A8 insurance rates go from the cheapest price of $518 for your basic liability-only policy to the much higher price of $2,536 for a driver who requires high-risk insurance.

Liability Only $518
Full Coverage $1,180
High Risk $2,536

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $885
Small Cities $1,239
Large Cities $1,593

The examples above demonstrate why everyone should compare rates using their specific location and their own driving history, 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.

More Rate Information

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

  • The lowest rate with discounts is $702
  • Drivers who choose higher $1,000 deductibles will pay $126 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,180
  • Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $238 annually
  • Drivers with multiple violations and an at-fault accident could pay around $2,536 or more
  • Policy cost to insure a 16-year-old driver for full coverage can cost $4,570 a year

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance prices range from $702 to $4,570

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

Choosing high deductibles could save up to $370 annually, 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 $421 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,500 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 $1,400 to $1,900 in extra premium every year, depending on your age. Audi A8 insurance for high-risk drivers can cost from 42% to 132% more than average. View High Risk Driver Rates

Your home state makes a big difference in Audi A8 insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,600 on average in New York, Michigan, and Florida.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,068 -$112 -9.5%
Alaska $906 -$274 -23.2%
Arizona $980 -$200 -16.9%
Arkansas $1,180 -$0 0.0%
California $1,344 $164 13.9%
Colorado $1,130 -$50 -4.2%
Connecticut $1,214 $34 2.9%
Delaware $1,336 $156 13.2%
Florida $1,478 $298 25.3%
Georgia $1,090 -$90 -7.6%
Hawaii $848 -$332 -28.1%
Idaho $798 -$382 -32.4%
Illinois $880 -$300 -25.4%
Indiana $888 -$292 -24.7%
Iowa $796 -$384 -32.5%
Kansas $1,124 -$56 -4.7%
Kentucky $1,610 $430 36.4%
Louisiana $1,748 $568 48.1%
Maine $730 -$450 -38.1%
Maryland $972 -$208 -17.6%
Massachusetts $944 -$236 -20.0%
Michigan $2,050 $870 73.7%
Minnesota $988 -$192 -16.3%
Mississippi $1,414 $234 19.8%
Missouri $1,048 -$132 -11.2%
Montana $1,268 $88 7.5%
Nebraska $932 -$248 -21.0%
Nevada $1,416 $236 20.0%
New Hampshire $850 -$330 -28.0%
New Jersey $1,318 $138 11.7%
New Mexico $1,044 -$136 -11.5%
New York $1,244 $64 5.4%
North Carolina $680 -$500 -42.4%
North Dakota $968 -$212 -18.0%
Ohio $816 -$364 -30.8%
Oklahoma $1,212 $32 2.7%
Oregon $1,080 -$100 -8.5%
Pennsylvania $1,124 -$56 -4.7%
Rhode Island $1,576 $396 33.6%
South Carolina $1,070 -$110 -9.3%
South Dakota $998 -$182 -15.4%
Tennessee $1,034 -$146 -12.4%
Texas $1,422 $242 20.5%
Utah $872 -$308 -26.1%
Vermont $808 -$372 -31.5%
Virginia $708 -$472 -40.0%
Washington $912 -$268 -22.7%
West Virginia $1,080 -$100 -8.5%
Wisconsin $818 -$362 -30.7%
Wyoming $1,052 -$128 -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 multiple companies. Every company uses a different rate calculation, and quoted 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 $1,160 $97
Audi A8 4.2L Quattro 4-Dr Sedan $1,180 $98

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.

Audi A8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2007 Audi A8 $234 $320 $468 $1,180

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 More Affordable Audi A8 Insurance

Finding cheaper rates on insurance for an Audi A8 not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around at every other renewal by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following is a summary of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,360 more per year for A8 insurance
  • Teens have the highest car insurance rates, as much as $381 each month if comprehensive and collision insurance is included
  • You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $375 each year
  • You may be able to save around $140 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 $4,570
20 $2,686
30 $1,214
40 $1,180
50 $1,080
60 $1,058

Full coverage, $500 deductibles

Rates by Deductible

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,310
$500 $1,180
$1,000 $1,054

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,180
50/100 $1,274
100/300 $1,391
250/500 $1,695
100 CSL $1,320
300 CSL $1,578
500 CSL $1,765

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,468
20 $4,278
30 $2,572
40 $2,536
50 $2,422
60 $2,396

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $62
Homeowner $20
5-yr Accident Free $77
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $82
Total Discounts $478
Rate after discounts $702

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

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