Audi A8 Insurance Rates

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UPDATED: Apr 3, 2024

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U.S. average auto insurance rates for an Audi A8 are $1,338 annually with full coverage. Comprehensive costs an estimated $274, collision insurance costs $428, and liability insurance is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs around $2,892. Teen drivers pay the highest rates at up to $5,096 a year.

Average premium for full coverage: $1,338

Price estimates broken down by individual coverage:

Comprehensive $274
Collision $428
Liability $478

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different A8 trim levels.

Price Range from Low to High

For a 40-year-old driver, Audi A8 insurance prices range from as cheap as $526 for just liability coverage to a much higher rate of $2,892 for a driver who requires high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have fewer collision claims than larger metro areas. The price range example below illustrates how your location can change insurance prices.

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

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying 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.

Detailed Rate Analysis

The chart below details average Audi A8 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $781
  • Raising to $1,000 deductibles will save approximately $160 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,338
  • Choosing more expensive low deductibles will cost $1,646
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,892
  • The price with full coverage for a teen driver with full coverage can cost as much as $5,096

View Chart as Image

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

Car insurance prices for an Audi A8 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $470 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Audi A8 insurance rates. A middle-age driver might find prices as low as $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,810 on average in New York, Michigan, and Florida.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,212 -$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

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 Buy Cheap Audi A8 Insurance

Getting lower rates on Audi A8 insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief summary of the concepts that were illustrated above.

  • High-risk drivers that tend to have accidents or serious violations pay on average $1,550 more annually for auto insurance
  • Teenage drivers have the highest car insurance prices, costing up to $425 a month if comprehensive and collision insurance is included
  • You may be able to save approximately $160 per year just by shopping early and online
  • Increasing physical damage deductibles could save up to $475 each year
  • You may be able to save approximately $160 per year just by shopping early and online

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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