Audi A8 Car Insurance Cost

The average annual cost to insure an Audi A8 is $4,544. However, the actual cost can vary depending on factors like your age, the model year of the car, and other details. You can use the quote tables below to get an estimate of your specific insurance costs.

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Updated: 14 January 2025
Written by Bob Phillips
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If you’re thinking about buying an Audi A8, one crucial consideration is the cost of insurance. On average, insurance for an Audi A8 costs $4,544 per year. Insurance is a major aspect of car ownership, and it’s important to understand the financial implications before making a purchase.

Choosing the right car insurance policy is essential to avoid unexpected and potentially high expenses in the future. Having insufficient coverage in the event of an accident can result in significant out-of-pocket costs. Moreover, there’s the risk of increased premiums if you’re found at fault for accidents.

Having analyzed car insurance rates for over a decade, I’ve observed significant variation in costs. Factors such as age, driving record, and even your location can significantly impact insurance premiums. It’s essential to carefully consider these factors when selecting an insurance policy for your Audi A8.

How Much Does An Audi A8 Car Insurance Cost?

Typically, Audi A8 drivers can find car insurance at an average rate of $4,544 per year.

The cost of car insurance can vary greatly due to a variety of factors. These include your location, driving history, the year of your vehicle, and the specific coverage options you choose. A clean driving record can help lower your premiums, while a history of accidents or traffic violations can result in higher rates.

Additionally, living in an urban area with heavy traffic may lead to higher insurance costs compared to rural areas with less traffic. The type of coverage you select also affects your premium—comprehensive coverage, which includes both comprehensive and collision, is generally more expensive than minimum liability coverage.

As shown in the table below, insuring an Audi A8 tends to be more expensive than insuring the average Audi model, and also more costly than the average insurance rate for all cars. Insuranceopedia can help you compare quotes from different auto insurance providers to ensure you find the best rate for your needs.

Vehicle Average Monthly Premium
Audi A8 $196
All Audis $195
All Cars $175

Average Insurance Cost Of Audi A8 By Model Year

Model Year Average Premium
2022 Audi A8 $5,095
2021 Audi A8 $2,137
2020 Audi A8 $4,287
2019 Audi A8 $1,844
2018 Audi A8 $3,380
2017 Audi A8 $1,970
2016 Audi A8 $2,670
2015 Audi A8 $1,384
2014 Audi A8 $1,384
2013 Audi A8 $1,364
2012 Audi A8 $1,215

2022 Audi A8 Insurance Rates

The average annual insurance cost for a 2022 Audi A8 is $5,095. However, Nationwide offers the cheapest rates, averaging $1,601 per year.

Insurance Provider Average Annual Cost
Nationwide $1,601
Mercury Insurance Company $2,452
National General $7,962
Plymouth Rock $2,555
Travelers $4,906
Hanover $11,091

2021 Audi A8 Insurance Rates

The average annual insurance cost for a 2021 Audi A8 is $2,137. However, Direct Auto offers the cheapest rates, averaging $1,404 per year.

Insurance Provider Average Annual Cost
Direct Auto $1,404
California Capital $1,554
Liberty Mutual $1,814
American National P $1,912
Farmers Mutual of Nebraska $2,298
Penn National $2,393
Bristol West $2,425
21st Century $2,430
New Jersey Manufacturers $2,562
Mercury $2,580

2020 Audi A8 Insurance Rates

The average annual insurance cost for a 2020 Audi A8 is $4,287. However, California Capital offers the cheapest rates, averaging $3,286 per year.

Insurance Provider Average Annual Cost
California Capital $3,286
Southern Farm Bureau $3,423
Farmers $3,566
Mercury $3,712
Esurance $4,137
Allied $4,196
Bristol West $4,967
Hartford $4,965
United Automobile Ins Group $5,123
USAA $5,494

2019 Audi A8 Insurance Rates

The average annual insurance cost for a 2019 Audi A8 is $1,844. However, Dairyland offers the cheapest rates, averaging $693 per year.

Insurance Provider Average Annual Cost
Mercury $1,963
Bristol West $2,389
21st Century $2,397
Travelers $1,729
Dairyland $693
Nationwide $2,582
California Capital $1,544
Allied $1,888
Mercury Insurance $1,139
Farmers $2,119

2018 Audi A8 Insurance Rates

The average annual insurance cost for a 2018 Audi A8 is $3,380. However, Travelers offers the cheapest rates, averaging $1,656 per year.

Insurance Provider Average Annual Cost
Travelers $1,656
Nationwide $2,289
State Farm $2,740
Mercury $2,783
Allied $2,909
Erie $3,899
Metropolitan $4,184
Direct General Insurance $4,280
National General Value $4,506
Allstate $4,550

2017 Audi A8 Insurance Rates

The average annual insurance cost for a 2017 Audi A8 is $1,970. However, Penn National offers the cheapest rates, averaging $1,044 per year.

Insurance Provider Average Annual Cost
Virginia Farm Bureau $1,360
Erie $2,921
Dairyland Auto $2,465
Penn National $1,044
Nationwide $2,950
Texas Farm Bureau Group $1,516
Mercury $2,725
SECURA Insurance $1,321
Safeco $1,671
National General $1,724

2016 Audi A8 Insurance Rates

The average annual insurance cost for a 2016 Audi A8 is $2,670. However, American National P offers the cheapest rates, averaging $1,158 per year.

Insurance Provider Average Annual Cost
Mercury $2,896
USAA $3,438
Southern Farm Bureau $2,833
Auto-Owners Insurance Co $2,805
Country $1,898
Direct General Insurance $3,409
Allied $2,329
California Capital $2,794
American National P $1,158
Travelers $3,138

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2015 Audi A8 Insurance Rates

The average annual insurance cost for a 2015 Audi A8 is $1,384. However, SafeAuto offers the cheapest rates, averaging $846 per year.

Insurance Provider Average Annual Cost
Capital Insurance Group $1,129
Dairyland $933
Penn National $913
Hastings Mutual Insurance Co $1,649
Mercury Insurance $920
SECURA Insurance $1,998
National General $1,986
Pekin Insurance $1,800
Virginia Farm Bureau $1,667
SafeAuto $846

2014 Audi A8 Insurance Rates

The average annual insurance cost for a 2014 Audi A8 is $1,384. However, SafeAuto offers the cheapest rates, averaging $846 per year.

Insurance Provider Average Annual Cost
Capital Insurance Group $1,129
Dairyland $933
Penn National $913
Hastings Mutual Insurance Co $1,649
Mercury Insurance $920
SECURA Insurance $1,998
National General $1,986
Pekin Insurance $1,800
Virginia Farm Bureau $1,667
SafeAuto $846

2013 Audi A8 Insurance Rates

The average annual insurance cost for a 2013 Audi A8 is $1,364. However, Kemper Auto | Infinity offers the cheapest rates, averaging $957 per year.

Insurance Provider Average Annual Cost
Capital Insurance Group $1,568
Kemper Auto $1,688
Hastings Mutual Insurance Co $1,128
Direct Auto $2,063
Buckeye Insurance Group $1,759
Safeco $888
Victoria $970
ACCC Insurance Company $1,631
Kemper Auto | Infinity $957
Mercury Insurance $986

2012 Audi A8 Insurance Rates

The average annual insurance cost for a 2012 Audi A8 is $1,215. However, Kemper Auto | Infinity offers the cheapest rates, averaging $812 per year.

Insurance Provider Average Annual Cost
Buckeye Insurance Group $1,077
Kemper Auto | Infinity $812
National General $1,322
ACCC Insurance Company $1,639
Texas Farm Bureau Group $1,140
SECURA Insurance $1,511
Pekin Insurance $1,227
New York Central Mutual Fire $1,499
Clearcover $927
Kemper Auto $998

Is An Audi A8 Expensive To Insure?

Insuring an Audi A8 typically costs more than the average for all cars. However, the exact amount you’ll pay for car insurance depends on several factors, including your age, the age of your car, your location, and other considerations.

Cost of Audi A8 Car Insurance By Age

Age is a major factor in determining car insurance rates. Teenagers generally pay the highest premiums because they are statistically more likely to be involved in accidents compared to other age groups. As you get older and gain more driving experience, your premiums typically decrease, as you are considered a lower risk to insurers.

Age Good Driver Recent Accident Poor Credit
17 $15,412 $22,582 $26,420
18 $14,303 $20,979 $24,644
19 $12,684 $18,546 $21,696
20 $11,004 $16,216 $18,949
21 $9,271 $13,564 $15,853
22 $8,992 $13,194 $15,436
23 $7,930 $11,613 $13,495
24 $7,451 $10,996 $12,875
25 $6,484 $9,536 $11,115
30 $5,079 $7,421 $8,606
35 $4,740 $6,878 $8,102
40 $4,563 $6,663 $7,840
45 $4,423 $6,487 $7,630
55 $4,085 $5,972 $6,988
65 $4,228 $6,226 $7,267
75 $5,354 $7,845 $9,144

Audi A8 Car Insurance Rates By State

Your location significantly affects how insurance companies determine your rates. Each state has its own regulations for auto insurance; for instance, drivers in Michigan often pay higher premiums due to the state’s requirement for more extensive coverage. Additionally, the climate of your area plays a role, as states with extreme weather like hurricanes, storms, and flooding may have higher rates.

Furthermore, each region has unique statistics related to crime and auto accidents, such as car thefts, crashes, and fatality rates. Insurance companies take all of these factors into account when calculating the cost of insuring your Audi A8.

State Good Driver Recent Accident Poor Credit
Alabama $4,845 $7,011 $8,838
Alaska $3,954 $5,485 $5,401
Arizona $4,476 $6,467 $9,543
Arkansas $4,967 $7,738 $8,559
California $5,508 $9,692 $5,469
Colorado $5,164 $7,162 $9,117
Connecticut $6,544 $10,113 $12,882
Delaware $5,370 $7,228 $9,252
Florida $6,470 $8,904 $11,581
Georgia $5,301 $7,894 $7,940
Hawaii $2,070 $2,889 $2,112
Idaho $3,641 $4,859 $5,836
Illinois $3,828 $5,792 $6,582
Indiana $3,889 $5,961 $6,748
Iowa $3,110 $4,247 $5,018
Kansas $4,162 $6,028 $7,071
Kentucky $5,938 $8,765 $10,320
Louisiana $7,656 $11,562 $12,605
Maine $2,885 $4,002 $5,956
Maryland $4,710 $6,839 $7,599
Massachusetts $3,777 $6,582 $3,813
Michigan $9,108 $13,838 $21,861
Minnesota $3,706 $4,938 $7,010
Mississippi $4,466 $6,450 $6,455
Missouri $4,253 $6,056 $7,942
Montana $4,290 $5,997 $6,997
Nebraska $3,657 $5,406 $5,862
Nevada $6,056 $8,950 $9,470
New Hampshire $4,242 $6,666 $8,430
New Jersey $4,597 $7,228 $9,438
New Mexico $4,744 $6,974 $7,332
New York $4,347 $5,477 $9,180
North Carolina $2,696 $4,647 $3,275
North Dakota $3,661 $5,621 $6,643
Ohio $3,341 $5,081 $5,215
Oklahoma $5,252 $7,510 $8,471
Oregon $4,788 $6,453 $7,677
Pennsylvania $4,018 $5,903 $6,992
Rhode Island $6,764 $9,940 $11,202
South Carolina $4,562 $6,401 $8,788
South Dakota $4,103 $5,979 $6,830
Tennessee $4,817 $7,123 $9,534
Texas $4,913 $7,040 $8,718
Utah $4,124 $5,790 $8,004
Vermont $3,228 $4,906 $5,237
Virginia $3,006 $4,609 $4,568
Washington $3,950 $5,405 $6,464
West Virginia $3,993 $5,767 $7,217
Wisconsin $3,952 $6,233 $7,112
Wyoming $3,770 $5,263 $5,608

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Cheapest Car Insurance Companies For An Audi A8

If you’re looking to buy a new car insurance policy for your Audi A8, you may want to know which insurance companies offer the lowest rates. MetLife offers the cheapest premium at $23 per month for an Audi A8, making them the most affordable provider. However, rates can vary based on your driver profile, so this is just an average. To find the best rates for your specific situation, it’s recommended to shop around and compare quotes from different providers.

Company Average Monthly Rate
MetLife $23
DirectGeneral $50
Workmens $45
Mercury $54
Dairyland $54

Common An Audi A8 Insurance Discounts

Discounts are a great way to reduce your car insurance costs. While each insurance provider offers its own set of discounts, here are some common ones to check for eligibility:

  • Multi-policy: Bundling your home and auto insurance with the same provider often results in a discounted rate.
  • Pay annually: Paying your premium in full, rather than in monthly installments, can sometimes lead to lower costs.
  • Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for a discount.

There may be other discounts available as well. It’s a good idea to talk to your insurance agent, who can help you identify any discounts you qualify for.

Ways To Save On Audi A8 Insurance Costs

Maintaining a clean driving record is one of the most effective ways to keep your Audi A8 insurance costs low. Speeding tickets or accidents can raise your premiums significantly. For instance, Audi A8 drivers with a ticket on their record can expect to pay around $84 per month, while those with multiple accidents may face an average of $148 per month. Avoiding these incidents helps keep your premiums lower.

Additionally, drivers with lower annual mileage tend to pay less for insurance, as they are on the road less frequently, reducing their risk of accidents. Audi A8 drivers who drive between 5,000 and 7,500 miles annually can expect to pay about $89 per month for insurance. In contrast, drivers who exceed 10,000 miles per year may pay approximately $86 per month.

Our Methodology

To determine average car insurance costs, Insuranceopedia collected data from thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits set at $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, the figures provided in this guide may not reflect your specific individual results.

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Quotes Analyzed

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Brands Reviewed

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Research Hours

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FAQs

Do You Need Insurance Before You Can Purchase An Audi A8?

Yes, you will need to provide proof of insurance before driving your Audi A8 off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company that you’re about to buy the car, rather than relying on the dealership’s insurance options. This ensures you’re properly covered as soon as you take ownership of the vehicle.

How Can You Get The Cheapest Insurance For Your Audi A8?

The best way to find the lowest rates for insuring your Audi A8 is by shopping around and comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website.

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