Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 24, 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 are $393 more expensive than the average vehicle, but you can save up to $788 per year through policy discounts. Continue reading to learn more.

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

Audi A8 Insurance Cost

The average Audi A8 auto 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 S7, Lexus IS 350, and Jaguar XF.

Vehicle Comprehensive Collision Liability Total
Audi A8 $464 $900 $390 $1,912
Audi S7 $532 $1250 $398 $2,338
Lexus IS 350 $344 $686 $398 $1,586
Jaguar XF $406 $804 $398 $1,766
Volvo S90 $356 $714 $398 $1,626
Jaguar XE $382 $774 $398 $1,712
Lexus GS 350 $370 $714 $338 $1,558
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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 insurance rates are higher for newer models. For example, auto insurance rates for a 2019 Audi A8 are $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 Los Angeles may pay $1,645 a year more than drivers in Indianapolis.

Your Driving Record

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

Audi A8 Safety Ratings

Your Audi A8 insurance rates are tied to the safety ratings of the Audi A8. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Audi A8 Crash Test Ratings

The crash test ratings of the Audi A8 can impact your Audi A8 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 safety features of the Audi A8 can impact your Audi A8 insurance rates. The Audi A8 has the following safety features:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Emergency Sos
  • Front And Rear Parking Sensors
  • Audi pre sense basic
  • Audi active lane departure warning Lane Departure Warning
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • SIDEGUARD Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
  • Top view with 360 surround view Back-Up Camera
  • Front Camera
  • Left Side Camera
  • Right Side Camera

Audi A8 Insurance Loss Probability

The Audi A8’s insurance loss probability varies for each form of coverage. The lower percentage means lower Audi A8 auto insurance rates; higher percentages mean higher Audi A8 insurance rates.

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 an 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 auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Ways to Save on Audi A8 Insurance

You can save more money on your Audi A8 auto insurance rates by employing any of the following five strategies.

  • Save Money on Young Driver Audi A8 Insurance Rates By Mentioning Grades or GPA
  • Ask About Discounts for People with Disabilities
  • Ask About Welcome Discounts
  • Ask About Loyalty Discounts
  • Understand the Different Types of Auto Insurance for Your Audi A8

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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Compare Free Audi A8 Insurance Quotes Online

You can start comparing quotes for Audi A8 insurance rates from some of the top auto insurance companies by using our free online tool today.