Audi A8 Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average insurance prices for an Audi A8 are $1,338 every 12 months with full coverage. Comprehensive costs approximately $274, collision insurance costs $428, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, and coverage for high-risk drivers costs around $2,892. Teens pay the highest rates at up to $5,096 a year.
Average premium for full coverage: $1,338
Price estimates by individual coverage:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different A8 trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Audi A8 insurance prices range from the cheapest price of $526 for basic liability insurance to a much higher rate of $2,892 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Rural locations have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of 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.
Rate Comparisons
The chart below details average Audi A8 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $781
- Using higher $1,000 deductibles will save $160 annually
- The average price for the average middle-age driver who chooses $500 deductibles is $1,338
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,646
- Drivers with serious driving violations could pay around $2,892
- The price to insure a teen driver with full coverage can cost $5,096 or more
Insurance prices for an Audi A8 are also quite variable based on deductibles and policy limits, your driving record, and the model of your A8.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Audi A8 insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,810 on average in New York, Michigan, and Florida.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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 2011 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 | $486 | $936 | $372 | $1,952 |
| 2023 Audi A8 | $464 | $900 | $390 | $1,912 |
| 2022 Audi A8 | $444 | $894 | $398 | $1,894 |
| 2021 Audi A8 | $430 | $872 | $416 | $1,876 |
| 2020 Audi A8 | $414 | $836 | $430 | $1,838 |
| 2019 Audi A8 | $392 | $806 | $442 | $1,798 |
| 2018 Audi A8 | $376 | $748 | $452 | $1,734 |
| 2017 Audi A8 | $362 | $704 | $456 | $1,680 |
| 2016 Audi A8 | $346 | $632 | $460 | $1,596 |
| 2015 Audi A8 | $324 | $580 | $460 | $1,522 |
| 2014 Audi A8 | $312 | $544 | $464 | $1,478 |
| 2013 Audi A8 | $306 | $508 | $474 | $1,446 |
| 2012 Audi A8 | $282 | $472 | $474 | $1,386 |
| 2011 Audi A8 | $274 | $428 | $478 | $1,338 |
| 2010 Audi A8 | $256 | $392 | $474 | $1,280 |
| 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 Cheaper Audi A8 Insurance
Getting lower rates on car insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a condensed summary of the ideas that were touched on in the above illustrations.
- Teen drivers are expensive to insure, costing up to $425 a month if they have full coverage
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,550 more per year to insure their A8
- Increasing physical damage deductibles could save as much as $475 each year
- You may be able to save around $160 per year just by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,506 |
| $500 | $1,338 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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