Audi A8 Insurance Rates
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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:
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.
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.
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
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.
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% |
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
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 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
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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