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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Insuring a 2025 Audi A8 will typically cost drivers around $4,544 per year, making it one of the more expensive luxury sedans to cover. This higher-than-average premium reflects the A8’s upscale design, powerful performance, and advanced safety and tech features—all of which contribute to increased repair and replacement costs.
Insurance rates for the Audi A8 can vary widely based on individual factors like age, location, driving history, and the level of coverage selected. While rates can be steep, shopping around and comparing quotes from multiple insurers is one of the most effective ways to secure a lower premium.
How Much Does 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 |
| 2025 Audi A8 | $3,926 |
| 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 |
2025 Audi A8 Insurance Rates
The average annual insurance cost for a 2025 Audi A8 is $3,926. However, Dairyland offers the cheapest rates, averaging $641 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,703 |
| Mercury | $2,573 |
| Plymouth Rock | $2,697 |
| Travelers | $5,103 |
| National General | $8,413 |
| Hanover | $11,682 |
| Dairyland | $641 |
| California Capital | $1,651 |
| Farmers | $2,255 |
| 21st Century | $2,541 |
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 |
Find Affordable Audi A8 Insurance Rates
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 |
Are Audis A8 Expensive To Insure?
Insuring a 2025 Audi A8 is generally more expensive than average. The average annual premium for this luxury sedan is approximately $4,544, reflecting its high-end status and advanced features. However, actual insurance costs can vary significantly based on factors such as your location, driving history, and the specific insurance provider. For instance, premiums can range from as low as $1,601 with certain insurers to as high as $11,091 with others. To secure the most favorable rate, it’s advisable to compare quotes from multiple insurers, considering both coverage options and available discounts.
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 |
Find Affordable Audi A8 Insurance Rates
Cheapest Car Insurance Companies For An Audi A8
These five insurance providers offer some of the most competitive rates for the 2025 Audi A8. Nationwide stands out with an estimated annual premium of $1,622, translating to approximately $135 per month, making it an excellent choice for budget-conscious drivers. Mercury Insurance Company and Plymouth Rock follow closely, offering balanced mixes of affordability and comprehensive coverage at around $2,450 and $2,569 annually, respectively. Travelers and National General provide higher-end options, with premiums of $4,860 and $8,012 per year, catering to drivers seeking broader coverage options.
It’s important to note that these estimates are based on data from previous model years and have been adjusted for the 2025 model. Actual premiums can vary significantly based on factors such as location, driving history, coverage options, and individual insurer policies.
| Company | Average Monthly Rate |
| Mercury Insurance Company | $204 |
| Plymouth Rock | $214 |
| Nationwide | $135 |
| Travelers | $405 |
| National General | $668 |
Common 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.
Compare Audi A8 To Other Audi Models
Looking for other Audi model insurance costs?
- Audi A4 Car Insurance
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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.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
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.
