Audi A8 Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average insurance rates for an Audi A8 are $1,338 a year for full coverage. Comprehensive costs around $274, collision insurance costs $428, and liability insurance is estimated at $478. A policy with just liability insurance costs approximately $526 a year, and coverage for high-risk drivers costs around $2,892. 16-year-old drivers pay the highest rates at up to $5,096 a year.
Average premium for full coverage: $1,338
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all A8 models.
Price Range from Low to High
For an average driver, Audi A8 insurance prices range from as low as $526 for a discount liability-only rate to the much higher price of $2,892 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.
The ranges above show why everyone should get quotes for a specific zip code and risk profile, rather than relying on 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 $781
- Choosing higher $1,000 deductibles can save about $160 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,338
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,646
- High-risk insureds with multiple tickets or accidents could pay at least $2,892
- The price for full coverage for a teen driver for full coverage can be $5,096 each year
Insurance prices for an Audi A8 are also quite variable based on your driving record, the trim level of your A8, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age
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 $880 a year in states like Idaho, Maine, and Iowa, or at least $1,910 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $470 each year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. Audi A8 insurance for high-risk drivers ranges anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
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 Find More Affordable Audi A8 Insurance
Getting lower rates on Audi A8 insurance takes avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to compare rates every year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The list below is a summary of the coverage data covered in the above illustrations.
- Drivers can save up to $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $475 each year
- Teenagers pay higher prices, with premiums as much as $425 a month for full coverage
- High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,550 more every year for car insurance
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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