Audi A8 Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average auto insurance rates for an Audi A8 are $1,338 annually for full coverage insurance. Comprehensive insurance costs approximately $274, collision insurance costs $428, and liability costs $478. Liability-only insurance costs as little as $526 a year, and high-risk driver insurance costs $2,892 or more. 16-year-old drivers pay the highest rates at up to $5,096 a year.
Average premium for full coverage: $1,338
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different A8 trim levels.
Price Range from Low to High
For the average driver, Audi A8 insurance prices range from as cheap as $526 for a discount liability-only rate to a much higher rate of $2,892 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than congested cities. The price range example below illustrates how location impacts auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, 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 illustrates average Audi A8 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $781
- Drivers who choose higher $1,000 deductibles will pay $160 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,338
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $308 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,892
- The price with full coverage for a teen driver with full coverage can cost $5,096 a year
Car insurance prices for an Audi A8 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $470 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Audi A8 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,810 on average in Florida, New York, and Michigan.
| 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 Buy the Best Cheap Audi A8 Insurance
Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and attention to physical damage deductibles. Spend time shopping around once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a quick review of the data that was touched on above.
- It is possible to save around $160 per year just by shopping early and online
- Policyholders who purchase higher liability limits will pay around $530 annually to go from a low limit to higher 250/500 limits
- Teenagers pay the highest auto insurance prices, as much as $425 a month if comprehensive and collision insurance is included
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,550 more per 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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