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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Average insurance rates for an Audi A8 are $1,160 a year including full coverage. Comprehensive insurance costs an estimated $230 a year, collision insurance costs $312, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,490 or more. Teens receive the highest rates at up to $4,494 a year.

Average premium for full coverage: $1,160

Rate estimates broken down by individual coverage type:

Comprehensive $230
Collision $312
Liability $460

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and A8 trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as low as $510 for just liability coverage to a high of $2,490 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,160
High Risk $2,490

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $870
Small Cities $1,218
Large Cities $1,566

These examples highlight why it is important to compare rates for a targeted area and risk profile, rather than using averaged prices.

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 breaks down average Audi A8 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $693
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,036 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,160
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $234 each year
  • High-risk insureds with serious driving violations could pay up to $2,490
  • The cost for full coverage for a teenage driver can cost as much as $4,494 a year

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing Audi A8 insurance prices range from $693 to $4,494 for full coverage

Insurance rates for an Audi A8 can also vary considerably based on your driver profile, the model of your A8, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age

Where you live makes a big difference in Audi A8 insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,660 on average in Louisiana, New York, and Michigan.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,050 -$110 -9.5%
Alaska $890 -$270 -23.3%
Arizona $964 -$196 -16.9%
Arkansas $1,160 -$0 0.0%
California $1,322 $162 14.0%
Colorado $1,110 -$50 -4.3%
Connecticut $1,192 $32 2.8%
Delaware $1,314 $154 13.3%
Florida $1,452 $292 25.2%
Georgia $1,070 -$90 -7.8%
Hawaii $832 -$328 -28.3%
Idaho $786 -$374 -32.2%
Illinois $864 -$296 -25.5%
Indiana $874 -$286 -24.7%
Iowa $782 -$378 -32.6%
Kansas $1,102 -$58 -5.0%
Kentucky $1,584 $424 36.6%
Louisiana $1,716 $556 47.9%
Maine $716 -$444 -38.3%
Maryland $958 -$202 -17.4%
Massachusetts $930 -$230 -19.8%
Michigan $2,016 $856 73.8%
Minnesota $972 -$188 -16.2%
Mississippi $1,390 $230 19.8%
Missouri $1,030 -$130 -11.2%
Montana $1,246 $86 7.4%
Nebraska $916 -$244 -21.0%
Nevada $1,392 $232 20.0%
New Hampshire $838 -$322 -27.8%
New Jersey $1,296 $136 11.7%
New Mexico $1,028 -$132 -11.4%
New York $1,222 $62 5.3%
North Carolina $668 -$492 -42.4%
North Dakota $950 -$210 -18.1%
Ohio $802 -$358 -30.9%
Oklahoma $1,192 $32 2.8%
Oregon $1,062 -$98 -8.4%
Pennsylvania $1,108 -$52 -4.5%
Rhode Island $1,548 $388 33.4%
South Carolina $1,050 -$110 -9.5%
South Dakota $980 -$180 -15.5%
Tennessee $1,018 -$142 -12.2%
Texas $1,398 $238 20.5%
Utah $860 -$300 -25.9%
Vermont $796 -$364 -31.4%
Virginia $696 -$464 -40.0%
Washington $900 -$260 -22.4%
West Virginia $1,062 -$98 -8.4%
Wisconsin $804 -$356 -30.7%
Wyoming $1,034 -$126 -10.9%

View Chart as Image

Audi A8 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $360 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

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 $1,144 $95
Audi A8 4.2L Quattro 4-Dr Sedan $1,160 $97

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 $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 Find Affordable Audi A8 Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at every policy renewal by quoting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The list below is a brief review of the data covered above.

  • Consumers who want higher liability limits will pay approximately $510 per year to go from a minimum limit to 250/500 limits
  • You may be able to save approximately $130 per year just by quoting early and online
  • Increasing deductibles can save around $350 each year
  • Teenagers are charged the highest rates, as much as $375 per month for full coverage

Rates by Driver Age

Audi A8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,494
20 $2,640
30 $1,192
40 $1,160
50 $1,060
60 $1,038

Full coverage, $500 deductibles

Rates by Deductible

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,394
$250 $1,288
$500 $1,160
$1,000 $1,036

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,160
50/100 $1,252
100/300 $1,367
250/500 $1,666
100 CSL $1,298
300 CSL $1,551
500 CSL $1,735

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,356
20 $4,202
30 $2,524
40 $2,490
50 $2,378
60 $2,354

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $46
Advance Quote $53
Online Quote $80
Total Discounts $467
Rate after discounts $693

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

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