Audi A8 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 3, 2024
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Estimated insurance rates for an Audi A8 are $1,280 a year with full coverage. Comprehensive costs around $256, collision insurance costs $392, and liability coverage is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,760. 16-year-old drivers pay the most at up to $4,906 a year.
Average premium for full coverage: $1,280
Premium estimates for type of coverage:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all A8 models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for an Audi A8 range from the low end price of $522 for your basic liability-only policy to the much higher price of $2,760 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences demonstrate why everyone should compare rates quotes for a specific zip code, rather than 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.
More Rate Information
The chart below details average Audi A8 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $752
- Raising to $1,000 deductibles will save about $148 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,280
- Buying pricier low deductibles bumps up the cost to $1,562
- Unlucky drivers with multiple tickets or accidents could pay at least $2,760
- An auto insurance policy that insures a teenage driver for full coverage can be $4,906
Insurance prices for an Audi A8 also have a wide range based on the model of your A8, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. Audi A8 insurance for high-risk drivers is expensive and can cost around 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age
Where you choose to live also has a big influence on Audi A8 insurance rates. A middle-age driver might find prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,730 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,158 | -$122 | -9.5% |
| Alaska | $980 | -$300 | -23.4% |
| Arizona | $1,062 | -$218 | -17.0% |
| Arkansas | $1,280 | -$0 | 0.0% |
| California | $1,458 | $178 | 13.9% |
| Colorado | $1,222 | -$58 | -4.5% |
| Connecticut | $1,316 | $36 | 2.8% |
| Delaware | $1,450 | $170 | 13.3% |
| Florida | $1,602 | $322 | 25.2% |
| Georgia | $1,180 | -$100 | -7.8% |
| Hawaii | $920 | -$360 | -28.1% |
| Idaho | $866 | -$414 | -32.3% |
| Illinois | $952 | -$328 | -25.6% |
| Indiana | $964 | -$316 | -24.7% |
| Iowa | $864 | -$416 | -32.5% |
| Kansas | $1,218 | -$62 | -4.8% |
| Kentucky | $1,746 | $466 | 36.4% |
| Louisiana | $1,894 | $614 | 48.0% |
| Maine | $790 | -$490 | -38.3% |
| Maryland | $1,056 | -$224 | -17.5% |
| Massachusetts | $1,024 | -$256 | -20.0% |
| Michigan | $2,224 | $944 | 73.8% |
| Minnesota | $1,070 | -$210 | -16.4% |
| Mississippi | $1,532 | $252 | 19.7% |
| Missouri | $1,136 | -$144 | -11.3% |
| Montana | $1,376 | $96 | 7.5% |
| Nebraska | $1,008 | -$272 | -21.3% |
| Nevada | $1,536 | $256 | 20.0% |
| New Hampshire | $920 | -$360 | -28.1% |
| New Jersey | $1,430 | $150 | 11.7% |
| New Mexico | $1,134 | -$146 | -11.4% |
| New York | $1,348 | $68 | 5.3% |
| North Carolina | $738 | -$542 | -42.3% |
| North Dakota | $1,048 | -$232 | -18.1% |
| Ohio | $882 | -$398 | -31.1% |
| Oklahoma | $1,314 | $34 | 2.7% |
| Oregon | $1,172 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$58 | -4.5% |
| Rhode Island | $1,706 | $426 | 33.3% |
| South Carolina | $1,160 | -$120 | -9.4% |
| South Dakota | $1,080 | -$200 | -15.6% |
| Tennessee | $1,122 | -$158 | -12.3% |
| Texas | $1,542 | $262 | 20.5% |
| Utah | $948 | -$332 | -25.9% |
| Vermont | $878 | -$402 | -31.4% |
| Virginia | $768 | -$512 | -40.0% |
| Washington | $990 | -$290 | -22.7% |
| West Virginia | $1,172 | -$108 | -8.4% |
| Wisconsin | $888 | -$392 | -30.6% |
| Wyoming | $1,142 | -$138 | -10.8% |
Opting for high physical damage deductibles can reduce prices by up to $430 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi A8 4.2 Quattro 4-Dr Sedan | $1,260 | $105 |
| Audi A8 4.2L Quattro 4-Dr Sedan | $1,280 | $107 |
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 | $444 | $894 | $398 | $1,894 |
| 2023 Audi A8 | $430 | $872 | $416 | $1,876 |
| 2022 Audi A8 | $414 | $836 | $430 | $1,838 |
| 2021 Audi A8 | $392 | $806 | $442 | $1,798 |
| 2020 Audi A8 | $376 | $748 | $452 | $1,734 |
| 2019 Audi A8 | $362 | $704 | $456 | $1,680 |
| 2018 Audi A8 | $346 | $632 | $460 | $1,596 |
| 2017 Audi A8 | $324 | $580 | $460 | $1,522 |
| 2016 Audi A8 | $312 | $544 | $464 | $1,478 |
| 2015 Audi A8 | $306 | $508 | $474 | $1,446 |
| 2014 Audi A8 | $282 | $472 | $474 | $1,386 |
| 2013 Audi A8 | $274 | $428 | $478 | $1,338 |
| 2012 Audi A8 | $256 | $392 | $474 | $1,280 |
| 2010 Audi A8 | $234 | $320 | $468 | $1,180 |
| 2007 Audi A8 | $208 | $284 | $446 | $1,096 |
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 better rates on auto insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Comparison shop once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.
The points below are a brief review of the data that was covered in the above illustrations.
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
- Consumers who may need increased liability limits will pay around $520 every year to raise from 30/60 bodily injury limits to the 250/500 level
- Drivers under the age of 20 pay higher prices, possibly costing $409 per month if full coverage is included
- Drivers with DUI or reckless driving convictions may pay on average $1,480 more every year to insure an Audi A8
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,906 |
| 20 | $2,928 |
| 30 | $1,322 |
| 40 | $1,280 |
| 50 | $1,170 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,562 |
| $250 | $1,434 |
| $500 | $1,280 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,280 |
| 50/100 | $1,375 |
| 100/300 | $1,493 |
| 250/500 | $1,801 |
| 100 CSL | $1,422 |
| 300 CSL | $1,683 |
| 500 CSL | $1,873 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,968 |
| 20 | $4,668 |
| 30 | $2,806 |
| 40 | $2,760 |
| 50 | $2,636 |
| 60 | $2,610 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $90 |
| Total Discounts | $528 |
Discounts are estimated and may not be available from every company or in every state.
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