Compare Cheap Audi A8 Insurance Quotes [Rates + Coverage Guide]

Average Audi A8 insurance rates are $159 per month, but you can start comparing cheap Audi A8 insurance quotes now with our comparison tool. Follow this guide to compare Audi A8 insurance costs by age and gender, then enter your ZIP code below to compare insurance quotes in your state.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,912 a year or $159 each month
  • A liability-only policy costs around $766 a year or $64 each month
  • Highest rates are for teenage drivers at around $6,988 a year or $582 each month
  • Good drivers can save as much as $788 a year by earning policy discounts
  • Audi A8 insurance costs around $393 more per year than the average vehicle

Audi A8 insurance rates cost about $393 more per year than the average vehicle in the U.S., partly because of the high MSRP. Full coverage auto insurance for the Audi A8 typically costs about $1,912 a year or $159 a month, but you can save up to $788 a year by staying claim-free as a good driver. Let’s look at Audi A8 insurance rates, loss rates, and more.

You can start comparing quotes for Audi A8 car insurance rates from some of the best car insurance companies by using our free online tool now.

Audi A8 Insurance Cost

The average Audi A8 car insurance costs are $1,912 a year or $159 a month.

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Are Audi A8s Expensive to Insure?

The chart below details how Audi A8 insurance rates compare to other luxury cars like the Audi A4, Jaguar XF, and Mercedes-Benz S450.

Vehicle Comprehensive Collision Liability Total
Audi A8 $464 $900 $390 $1,912
Audi A4 $332 $656 $398 $1,544
Jaguar XF $406 $804 $398 $1,766
Mercedes-Benz S450 $494 $982 $398 $2,032
Lexus GS 350 $370 $714 $338 $1,558
Lexus IS 300 $356 $686 $398 $1,598
Lexus ES 350 $362 $656 $316 $1,470
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However, there are a few things you can do to find the cheapest Audi insurance rates online.

What Impacts the Cost of Audi A8 Insurance?

The Audi A8 trim and model you choose can impact the total price you will pay for Audi A8 insurance coverage.

Age of the Vehicle

The average Audi A8 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2019 Audi A8 cost $1,912, while 2010 Audi A8 rates are $1,478, a difference of $434.

Model Year Comprehensive Collision Liability Total
2019 Audi A8 $464 $900 $390 $1,912
2018 Audi A8 $444 $894 $398 $1,894
2017 Audi A8 $430 $872 $416 $1,876
2016 Audi A8 $414 $836 $430 $1,838
2015 Audi A8 $392 $806 $442 $1,798
2014 Audi A8 $376 $748 $452 $1,734
2013 Audi A8 $362 $704 $456 $1,680
2012 Audi A8 $346 $632 $460 $1,596
2011 Audi A8 $324 $580 $460 $1,522
2010 Audi A8 $312 $544 $464 $1,478
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Driver Age

Driver age can have a significant impact on Audi A8 auto insurance rates. For example, 20-year-old drivers pay approximately $2,339 more each year for their Audi A8 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Audi A8 insurance rates. For example, drivers in Phoenix may pay $1,052 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on your Audi A8 car insurance rates. Teens and drivers in their 20’s see the highest jump in their Audi A8 car insurance with violations on their driving record.

Audi A8 Crash Test Ratings

Poor Audi A8 crash test ratings could mean higher Audi A8 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Audi A8L PHEV 4 DR AWD N/R N/R N/R N/R
2020 Audi A8L 4 DR AWD N/R N/R N/R N/R
2019 Audi A8 LWB 4 DR AWD N/R N/R N/R N/R
2018 Audi A8 LWB 4 DR AWD N/R N/R N/R N/R
2017 Audi A8 LWB 4 DR AWD N/R N/R N/R N/R
2016 Audi A8 NWB 4 DR AWD N/R N/R N/R N/R
2016 Audi A8 LWB 4 DR AWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Audi A8 Safety Features

The more safety features you have on your Audi A8, the more likely it is that you can earn a discount. The Audi A8’s safety features include:

  • Forward collision warning
  • Automatic emergency braking
  • Lane departure warning
  • Automatic high-beam headlights
  • Front and rear parking sensors
  • Rain-sensing windshield wipers
  • Rearview camera

Audi A8 Insurance Loss Probability

The Audi A8’s insurance loss probability varies between different coverage types. The lower percentage means lower Audi A8 auto insurance costs; higher percentages mean higher Audi A8 auto insurance costs.

Insurance Coverage Category Loss Rate
Collision 189%
Property Damage 8%
Comprehensive 161%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Audi A8 Finance and Insurance Cost

If you are financing a Audi A8, most lenders will require your carry higher Audi A8 coverage options including comprehensive coverage, so be sure to shop around and compare Audi A8 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Audi A8 Insurance

If you want to reduce the cost of your Audi A8 insurance rates, follow these tips below:

  • Work with a Direct Insurer Instead of an Insurance Broker for Your Audi A8
  • Use Paperless Billing for Your Audi A8 Insurance Policy
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Re-Check Audi A8 Quotes Every 6 Months
  • Choose a Audi A8 with Cheaper Repair Costs

Top Audi A8 Insurance Companies

Who is the top auto insurance company for Audi A8 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Audi A8 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Audi A8 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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