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: Apr 3, 2024

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The average insurance rates for an Audi A8 are $1,338 a year including full coverage. Comprehensive costs on average $274 each year, collision costs $428, and liability costs around $478. Buying just liability costs as low as $526 a year, with insurance for high-risk drivers costing around $2,892. 16-year-old drivers cost the most to insure at $5,096 a year or more.

Average premium for full coverage: $1,338

Policy rates by type of insurance:

Comprehensive $274
Collision $428
Liability $478

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and A8 models.

Price Range Variability

For the average driver, Audi A8 insurance rates go from the low end price of $526 for minimum levels of liability insurance to a high rate of $2,892 for a driver who has had serious violations or accidents.

Liability Only $526
Full Coverage $1,338
High Risk $2,892

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

Rural Areas $1,004
Small Cities $1,405
Large Cities $1,806

The examples above highlight why all drivers should compare prices based on a specific location, 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 Details

The chart below breaks down estimated Audi A8 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $781
  • Using higher $1,000 deductibles will save around $160 every year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,338
  • Buying low deductibles for physical damage coverage bumps up the cost to $1,646
  • Drivers with multiple tickets or accidents could pay upwards of $2,892 or more
  • Policy cost that insures a teen driver may cost $5,096 or more

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance rates range from $781 to $5,096

Insurance rates for an Audi A8 also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,000 a year. View Rates by Age

Your home state has a huge impact on Audi A8 insurance prices. A driver around age 40 might see rates as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,910 on average in Michigan, New York, and Louisiana.

Audi A8 Insurance Rates by State
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%

View Chart as Image

Audi A8 insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $470 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, so the 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 $1,318 $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.

Audi A8 Insurance Rates by Model Year
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 Affordable Audi A8 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Comparison shop every other policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a brief review of the ideas that were touched on above.

  • Teenagers pay the highest rates, with premiums being up to $425 each month if full coverage is included
  • Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,550 more each year for car insurance
  • Increasing comprehensive and collision deductibles can save approximately $475 each year
  • You may be able to save as much as $160 per year simply by quoting online in advance

Rates by Driver Age

Audi A8 Insurance 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

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,506
$500 $1,338
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
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

Audi A8 Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $781

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

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