Audi A8 Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance prices for an Audi A8 are $1,160 every 12 months for full coverage. Comprehensive insurance costs around $230 a year, collision insurance costs $312, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $2,490 or more. 16-year-old drivers receive the highest rates at up to $4,494 a year.
Average premium for full coverage: $1,160
Rate estimates for individual coverage type:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and A8 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the cheapest price of $510 for a discount liability-only rate to a high of $2,490 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than congested cities. The diagram below illustrates how location impacts auto insurance rates.
These examples show why it is important to get quotes for a specific zip code and their own driving history, 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.
Rates by State, City, and Model
The chart below shows average Audi A8 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $693
- Choosing higher $1,000 deductibles can save about $1,036 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,160
- Buying low $100 deductibles for comp and collision coverage costs an extra $234 every year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,490
- The cost to insure a teen driver can be $4,494 each year
Car insurance rates for an Audi A8 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $360 every year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 135% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Audi A8 insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or at least $1,660 on average in Michigan, Louisiana, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Right Audi A8 Insurance
Saving money on car insurance takes being a good driver, maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Spend time shopping around every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a quick rundown of the ideas that were touched on above.
- Drivers age 16 to 20 are the costliest to insure, costing as high as $375 per month if the policy includes full coverage
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,330 more every year than a safer driver
- Increasing deductibles could save as much as $350 each year
- Drivers can save up to $130 per year just by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,394 |
| $250 | $1,288 |
| $500 | $1,160 |
| $1,000 | $1,036 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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