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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U.S. average insurance prices for an Audi A8 are $1,160 every 12 months with full coverage. Comprehensive insurance costs on average $230, collision insurance costs $312, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $2,490 or more. Teen drivers pay the highest rates at up to $4,494 a year.

Average premium for full coverage: $1,160

Price estimates by individual coverage:

Comprehensive $230
Collision $312
Liability $460

Prices are based on $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all A8 models.

Price Range from Low to High

For a driver around age 40, Audi A8 insurance prices range from the cheapest price of $510 for just liability insurance to the much higher price of $2,490 for coverage for higher-risk drivers.

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

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on car insurance rates.

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

The ranges above demonstrate why everyone should get quotes based on a specific location and their own driving history, rather than using 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.

More Rate Details

The chart below details average Audi A8 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $693
  • Choosing higher $1,000 deductibles can save around $124 annually
  • The average price for the average middle-age driver with $500 deductibles is $1,160
  • Choosing pricier low deductibles for comp and collision coverage costs an extra $234 each year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,490
  • The price to insure a teenage driver for full coverage may cost $4,494 each 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

Auto insurance prices for an Audi A8 are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your A8.

Choosing high deductibles can save as much as $360 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $4,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. Audi A8 insurance for high-risk drivers ranges around 42% to 135% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $840 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,570 on average in Florida, Michigan, and New York.

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

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 Shop for Affordable Audi A8 Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief review of the primary concepts that were covered above.

  • You may be able to save as much as $130 per year just by quoting online well ahead of the renewal date
  • Drivers with DUI or reckless driving convictions may pay on average $1,330 more each year for A8 insurance
  • Increasing physical damage deductibles could save as much as $350 each year
  • Teens are charged the highest prices, costing up to $375 a month if comprehensive and collision insurance is included

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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