Audi A8 Insurance Rates
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UPDATED: Apr 3, 2024
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Average auto insurance rates for an Audi A8 are $1,338 annually with full coverage. Comprehensive insurance costs an estimated $274 a year, collision insurance costs $428, and liability is estimated at $478. Liability-only coverage costs approximately $526 a year, and high-risk coverage costs $2,892 or more. 16-year-old drivers receive the highest rates at up to $5,096 a year.
Average premium for full coverage: $1,338
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and A8 trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $526 for just the minimum liability insurance to a high of $2,892 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than congested cities. The diagram below illustrates how location helps determine insurance prices.
These examples demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of 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 Rate Analysis
The chart below details average Audi A8 insurance rates for other coverage scenarios.
- The best full coverage rate is $781
- Choosing higher $1,000 deductibles can save approximately $1,178 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,338
- Buying low $100 deductibles for comp and collision coverage costs an additional $308 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,892
- The cost with full coverage for a teen driver can cost as much as $5,096 each year
Car insurance rates for an Audi A8 can also vary considerably based on the trim level of your A8, your driving record, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $470 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Audi A8 insurance prices. A good driver about age 40 could pay 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.
| 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% |
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 2011 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 | $486 | $936 | $372 | $1,952 |
| 2023 Audi A8 | $464 | $900 | $390 | $1,912 |
| 2022 Audi A8 | $444 | $894 | $398 | $1,894 |
| 2021 Audi A8 | $430 | $872 | $416 | $1,876 |
| 2020 Audi A8 | $414 | $836 | $430 | $1,838 |
| 2019 Audi A8 | $392 | $806 | $442 | $1,798 |
| 2018 Audi A8 | $376 | $748 | $452 | $1,734 |
| 2017 Audi A8 | $362 | $704 | $456 | $1,680 |
| 2016 Audi A8 | $346 | $632 | $460 | $1,596 |
| 2015 Audi A8 | $324 | $580 | $460 | $1,522 |
| 2014 Audi A8 | $312 | $544 | $464 | $1,478 |
| 2013 Audi A8 | $306 | $508 | $474 | $1,446 |
| 2012 Audi A8 | $282 | $472 | $474 | $1,386 |
| 2011 Audi A8 | $274 | $428 | $478 | $1,338 |
| 2010 Audi A8 | $256 | $392 | $474 | $1,280 |
| 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 Buy Cheaper Audi A8 Insurance
Saving money on car insurance takes being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at least every other year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a condensed summary of the car insurance concepts covered in the charts and tables above.
- Higher risk drivers with multiple at-fault accidents pay on average $1,550 more annually to insure their A8
- You may be able to save approximately $160 per year just by quoting early and online
- Increasing deductibles could save up to $475 each year
- Policyholders who want more liability coverage will pay around $530 every year to raise limits from a minimum limit to higher 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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