- It costs more to insure an Audi A8 than the average car.
- Liability auto insurance for an A8 runs about $76 a month, while full coverage normally tends to be around $203.
- Commonwealth Casualty is the most affordable car insurance carrier for an A8.
In This Article
With base prices starting at $86,500 for 2021 models, the Audi A8 is on the more expensive end of the spectrum. You'll have your choice of two different trim levels, so there's an option for every driver.
We combed through thousands of insurance quotes on Compare.com, and we've found that Audi A8 auto insurance rates run about $181 per month, on average. How do insurance premiums for the A8 stack up against other similar cars?
|Current Base Price||$86,500|
|Trim Levels||L, L E|
|Average Insurance Premium||$181/mo.|
|Cheapest Insurance Company||Commonwealth Casualty|
How Much is Car Insurance for an Audi A8?
|Vehicle||Liability Only||Full Coverage|
|All Audi Models||$80||$190|
|Average Insurance Premium||$81||$169|
If you look at the table above, you'll see that when you compare the Audi A8 to other vehicles, insurance prices are above average. On average, A8 drivers will pay around $203 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $76 per month for liability only insurance (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").
When you compare it to other models, the A8 is slightly more expensive, with rates more than 5% higher than other vehicles in Audi's lineup. Compared to offerings from other brands, car insurance for an A8 runs close to average, with full coverage insurance prices coming in at $26 higher than other cars and liability insurance premiums at $7 cheaper.
When compared to all vehicles, regardless of body style, model, or make, full coverage prices are more expensive for the A8, but a liability only policy is on the less expensive side.
Who has the Cheapest Car Insurance for an Audi A8?
|Insurance Company||Average Monthly Premium|
Shopping around for an auto insurance policy for your Audi A8? You're probably most interested in which company offers the most affordable premiums. Although costs will generally be pretty different from person to person, the cheapest average rates for liability only insurance are as low as $29 monthly from MetLife. The runner up for lowest rates is Workmens, with auto insurance policies starting sometimes as little as $36 a month.
Completing the top 5 companies are Dairyland, DirectGeneral, and Mercury. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Insurance companies take multiple different variables into consideration when offering you premiums. By checking quotes from a multitude of insurance carriers at once, you can be confident you're finding the most affordable rate.
What Factors Affect Car Insurance Rates for an Audi A8?
There are an array of factors that auto insurance companies use to calculate how much to charge for a policy -- and every carrier weighs certain variables more than others, so there's not a singular company that's the lowest for everyone.
The following sections show several things car insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$91|
|15 Years or Older||$84|
Audi has been making the A8 for quite some time, so the car's age may play a role in how much you'll pay for auto insurance. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.
From the table above, you can see the Audi A8 follows this trend, as the most expensive models to insure are those that are 1 year old or less, while the cheapest models are A8s that are 2 to 3 years old, on average.
|Age||Average Monthly Premium|
Age plays a big role in how much car insurance companies will charge you. In the table above, you'll see that drivers with more experience on the road have cheaper premiums than drivers who are under 18. Audi A8 drivers under 18 actually pay more than twice as much as those 25 or older.
Car insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for A8 drivers.
|Gender||Average Monthly Premium|
Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to charge women less than men. Surprisingly, when it comes to A8 drivers specifically, women pay about 17% more than men every month for insurance.
Where You Live
|State||Average Monthly Premium|
You're probably already aware that variables such as what vehicle you drive and how old you are play a role in your auto insurance rates, but you may not realize that where you live is just as important. Because car insurance is regulated at the state level, prices differ quite a bit from state to state.
For example, the average Audi A8 owner from New York pays around $224 per month for liability coverage. Meanwhile, on average, the same Californian driver will pay only 25% of that price.
Audi A8 Car Insurance Discounts
No matter your home state, your car, or your age, using as many discounts as possible when it comes to your insurance is always in your best interest when shopping around for a policy.
Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:
- Multi-policy discounts for bundling your home and auto policies with the same company
- Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
- Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than in monthly installments
- Multi-car discounts for having several vehicles on your auto policy
While taking advantage of discounts is always a smart way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.
While you can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), you can influence some of it. Below are just a few of the things you can use in your favor when it comes to saving some cash:
Your Driving Record
|Infractions||Average Monthly Premium|
You've almost certainly seen ads from auto insurance companies promoting hefty discounts for responsible drivers. It makes sense that if you get speeding tickets or get into a collision, insurance rates will go up. But exactly how much is it going to cost you for these infractions?
According to the table above, accidents will usually cost A8 drivers more than tickets, but both will result in a raise in rates. Audi A8 drivers with one ticket will pay about $72 monthly, while drivers with a single accident on their record pay an average of $99 per month (up $23 from the $76/mo. overall average). The rates only go higher the more tickets you get or collisions you have.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another variable that impacts your car insurance premiums is the total distance you drive each year. Those who drive less are less likely to get into collisions, so they'll typically get more affordable prices. Based on the table above, you can see that Audi A8 owners who drive 10,000 miles or more pay $75 for insurance, while those who drive fewer than 2,500 miles each year pay about $59 a month.
But if you don't use your Audi A8 that often, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Audi A8s Compare to Other Vehicles?
If you're considering making an Audi A8 your next purchase, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.
Check out the table below to see how the Audi A8 compares:
|Audi A8||National Average|
|Full Coverage Insurance||$141||$169|
|Average Annual Mileage||10,129||11,617|
With an MSRP that's a quarter more than the going rate for a new vehicle, the Audi A8 is on the more expensive side when it comes to price. The A8 has an MSRP of $86,500, a bit more expensive than the national average vehicle price of $46,296.
Although the A8's price is on the high end of the spectrum, auto insurance premiums run below average when compared to other vehicles on the market. Full coverage insurance for an Audi A8 is about $28 a month cheaper than average, while liability only coverage is more than $30 less per month.
When it comes to usage, Audi A8 drivers are much lower than the national average in annual miles driven, with 11,617 miles for all vehicles a year compared to the A8's 10,129 per year.
Audi A8 Car Insurance Costs by Model Year
So far, you've seen how different factors affect how much the average driver pays for insurance. If you're considering buying a new A8, knowing what you can expect to pay can be extremely helpful as you weigh your options.
2021 Audi A8 Car Insurance
|Liability Only Avg. Premium||$43|
|Full Coverage Avg. Premium||$141|
|Cheapest Insurance Company||DirectGeneral - $43/mo.|
|Available Trims||L, L E|
You can expect full coverage for a 2021 A8 to run around $141 monthly, while liability only coverage will average about $43 a month.
We found DirectGeneral offered the most affordable policy, with rates sometimes as low as $43 monthly.
If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.
2019 Audi A8 Car Insurance
|Liability Only Avg. Premium||$65|
|Full Coverage Avg. Premium||$189|
|Cheapest Insurance Company||Mercury - $41/mo.|
On average, drivers who own a 2019 Audi A8 can expect to pay $65 to $189 per month for liability only and full coverage car insurance, respectively.
If you're looking for the most affordable 2019 Audi A8 insurance policy, Mercury offered the cheapest policy we found, with rates as little as just $41 monthly.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
2017 Audi A8 Car Insurance
|Liability Only Avg. Premium||$33|
|Full Coverage Avg. Premium||$184|
|Cheapest Insurance Company||Commonwealth Casualty - $25/mo.|
|Available Trims||L QUATTRO, L QUATTRO/SPORT|
It costs around $33 per month for liability or $184 for a full coverage policy for the 2017 A8.
Commonwealth Casualty has prices as little as $25 a month for the 2017 Audi A8.
Interested in what your insurance premium will be? Get multiple free personalized quotes by just entering your ZIP code below.
2016 Audi A8 Car Insurance
|Liability Only Avg. Premium||$76|
|Full Coverage Avg. Premium||$194|
|Cheapest Insurance Company||Dairyland - $42/mo.|
|Available Trims||L QUATTRO, L QUATTRO/SPORT, L TDI QUATTRO|
2016 Audi A8 drivers can expect to pay an average of $76 monthly for liability or $194 for full coverage.
Dairyland offered the lowest policy we found, with rates as low as just $42 a month.
If you want to know exactly how much you can expect to pay for your A8, get free quotes in minutes by just entering your ZIP code below.
2015 Audi A8 Car Insurance
|Liability Only Avg. Premium||$114|
|Full Coverage Avg. Premium||$236|
|Cheapest Insurance Company||The General - $51/mo.|
|Available Trims||L QUATTRO, L TDI QUATTRO, QUATTRO|
The average cost to insure a 2015 A8 with liability only coverage is $114 per month, while full coverage runs about $236 monthly.
With premiums sometimes as cheap as $51 per month, The General offered the most affordable policy we found.
Interested in just how much you'll pay? Just enter your ZIP code below to get several free customized quotes.
2014 Audi A8 Car Insurance
|Liability Only Avg. Premium||$88|
|Full Coverage Avg. Premium||$190|
|Cheapest Insurance Company||Liberty Mutual - $24/mo.|
|Available Trims||L QUATTRO, L TDI QUATTRO, QUATTRO|
You can expect full coverage for a 2014 Audi A8 to run around $190 a month, while liability only coverage will average about $88 monthly.
Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as cheap as $24 per month.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.
2013 Audi A8 Car Insurance
|Liability Only Avg. Premium||$77|
|Full Coverage Avg. Premium||$223|
|Cheapest Insurance Company||MetLife - $36/mo.|
|Available Trims||L QUATTRO, QUATTRO|
The average cost to insure a 2013 A8 with liability only coverage is $77 a month, while full coverage runs around $223 monthly.
With rates as cheap as just $36 per month, MetLife offered the lowest policy we found for the 2013 Audi A8.
These average prices are a great starting point if you're in the market for a 2013 Audi A8, but there are a whole range of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.
2012 Audi A8 Car Insurance
|Liability Only Avg. Premium||$85|
|Full Coverage Avg. Premium||$231|
|Cheapest Insurance Company||Mercury - $32/mo.|
|Available Trims||L QUATTRO, QUATTRO|
It costs about $85 a month for liability or $231 for a full coverage policy for the 2012 Audi A8.
Looking for the most affordable policy? Mercury offered liability only coverage for as little as $32 per month.
Want to know just how much you'll pay? Enter your ZIP code below to get lots of customized quotes for free.
2011 Audi A8 Car Insurance
|Liability Only Avg. Premium||$59|
|Full Coverage Avg. Premium||$179|
|Cheapest Insurance Company||Elephant - $24/mo.|
|Available Trims||L QUATTRO, QUATTRO|
On average, drivers who own a 2011 A8 can expect to pay $59 to $179 monthly for liability only and full coverage car insurance, respectively.
With premiums as low as just $24 a month, Elephant offered the cheapest policy we found.
While these are good estimates of what the average driver might pay to insure a 2011 Audi A8, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.
2010 Audi A8 Car Insurance
|Liability Only Avg. Premium||$132|
|Full Coverage Avg. Premium||$200|
|Cheapest Insurance Company||Safeco - $25/mo.|
|Available Trims||L QUATTRO, QUATTRO|
2010 Audi A8 drivers can expect to pay an average of $132 monthly for liability or $200 for full coverage.
Safeco has premiums as little as just $25 per month for the 2010 Audi A8.
While these are good estimates of what the average driver might pay to insure a 2010 Audi A8, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.
2009 Audi A8 Car Insurance
|Liability Only Avg. Premium||$80|
|Full Coverage Avg. Premium||$168|
|Cheapest Insurance Company||SafeAuto - $30/mo.|
|Available Trims||4.2 QUATTRO, L QUATTRO, L W12 QUATTRO|
It costs around $80 a month for liability or $168 for a full coverage policy for the 2009 A8.
With rates as cheap as $30 monthly, SafeAuto offered the lowest policy we found for the 2009 Audi A8.
Want to know exactly what your auto insurance price will be? Just enter your ZIP code below to get a variety of customized quotes for free.
Audi A8 Insurance FAQs
Is an Audi A8 expensive to insure?
Liability insurance runs an average of $76 a month, while full coverage will cost you around $203. When compared to the national average of all cars, prices come in on the more expensive end of the spectrum.
How can I get the best price on car insurance for my Audi A8?
There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from a wide array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a variety of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.
Does the color of my Audi A8 affect my insurance rates?
You've probably heard the old adage that red cars cost more to insure, but that's just a myth. There are multiple factors insurance carriers use when they calculate how much your policy will be, but the color of your vehicle isn't one of them.
Do I need to have insurance before I buy an Audi A8?
You'll need to have an insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but the easiest thing to do is to let your car insurance carrier know ahead of time.
What car insurance discounts can I get for my Audi A8?
You will find a multitude of different discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your A8 and more on you, but if your A8 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. To learn more about which discounts you may qualify for, reach out to your insurance company and ask about their list of discounts.