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: Apr 3, 2024

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The average insurance rates for an Audi A8 are $1,338 a year for full coverage. Comprehensive insurance costs approximately $274, collision insurance costs $428, and liability coverage is $478. Buying just liability costs around $526 a year, and insurance for high-risk drivers costs $2,892 or more. Teen drivers cost the most to insure at up to $5,096 a year.

Average premium for full coverage: $1,338

Policy rates by type of insurance:

Comprehensive $274
Collision $428
Liability $478

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all A8 models.

Price Range Variability

For a driver around age 40, Audi A8 insurance rates range from the low end price of $526 for basic liability insurance to the much higher price of $2,892 for a driver required to buy high-risk insurance.

Liability Only $526
Full Coverage $1,338
High Risk $2,892

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,004
Small Cities $1,405
Large Cities $1,806

The examples above show why everyone should compare rates quotes using their specific location, 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.

Rate Comparisons

The chart below shows average Audi A8 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $781
  • Raising to $1,000 deductibles will save $160 a year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,338
  • Choosing pricier low deductibles will cost an additional $308 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay around $2,892
  • Policy cost that insures a teenage driver for full coverage can cost $5,096

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing Audi A8 insurance prices range from $781 to $5,096 for full coverage

Insurance rates for an Audi A8 also range considerably based on the model of your A8, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Audi A8 insurance for high-risk drivers is expensive and can cost around 43% to 133% more than average. 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. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state also has a big influence on Audi A8 insurance rates. A middle-age driver might find rates as low as $880 a year in states like Iowa, Maine, and Idaho, or as much as $1,910 on average in New York, Louisiana, and Michigan.

Audi A8 Insurance Rates by State
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%

View Chart as Image

Audi A8 insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $470 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

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 $1,318 $110
Audi A8 4.2L Quattro 4-Dr Sedan $1,338 $112

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.

Audi A8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A8 $464 $900 $390 $1,912
2023 Audi A8 $444 $894 $398 $1,894
2022 Audi A8 $430 $872 $416 $1,876
2021 Audi A8 $414 $836 $430 $1,838
2020 Audi A8 $392 $806 $442 $1,798
2019 Audi A8 $376 $748 $452 $1,734
2018 Audi A8 $362 $704 $456 $1,680
2017 Audi A8 $346 $632 $460 $1,596
2016 Audi A8 $324 $580 $460 $1,522
2015 Audi A8 $312 $544 $464 $1,478
2014 Audi A8 $306 $508 $474 $1,446
2013 Audi A8 $282 $472 $474 $1,386
2012 Audi A8 $274 $428 $478 $1,338
2010 Audi A8 $242 $356 $474 $1,230
2007 Audi A8 $226 $298 $452 $1,134

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 the Best Audi A8 Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around at every policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The items below are a brief recap of the data covered above.

  • Consumers who purchase more liability coverage will pay about $530 each year to raise from a 30/60 limit to the 250/500 level
  • Drivers can save around $160 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $475 each year
  • Teen drivers are expensive to insure, costing up to $425 each month if full coverage is included

Rates by Driver Age

Audi A8 Insurance 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

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,506
$500 $1,338
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
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

Audi A8 Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $781

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

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