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 insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Audi A8 L? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Audi A8 L insurance facts

  • Average full coverage auto insurance premium: $205/month

  • Most affordable companies: Auto-Owners ($144/month) & Progressive ($150/month)

  • A8 L car insurance cost vs. average rate: $84 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Audi A8 L by model year and auto insurer.

Free Auto Insurance Comparison

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

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Below average Audi A8 L insurer costs by state:

Risk factors affecting Audi A8 L car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Audi A8 L car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Audi models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Audi Luxury Automobile Brand

Audi is a German automobile manufacturer owned by Volkswagen Group, producing luxury vehicles for the United States market. The target market of Audi is the affluent class of modern urban consumers. All of Audi’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Q5, A3, A6, and the Q7 are their most popular vehicles.

Higher than average A8 L repair costs equal higher coverage rates

Audi is a luxury brand in the United States market. Many consumers are attracted to the Audi luxury, comfort, safety, and driver-assist technologies, like Audi’s Pre-Sense Systems. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing an Audi is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Audi’s are going to have higher than average car insurance rates to similar vehicles in its class.

Rapid depreciation for Audi A8 L’s affecting auto policies

Another factor to consider for Audi’s, is they depreciate rapidly, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Audi models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Audi’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Audi models. The A3, A6, and Q3 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Audi top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2784
Allied$2835
Allstate$2341
American Family$2150
Amica$2942
Country Financial$2469
Erie$1894
GEICO$1741
Kentucky Farm Bureau$2547
Liberty Mutual$1924
Mercury$2236
Nationwide$1947
Progressive$1784
State Farm$1853
Tennessee Farmers$2205
Texas Farm Bureau$2044
The Hanover$2711
Travelers$2430

Compare all 2021 Audi A8 L rates

Average Cost to Insure Per Year

$2458

List Price

$86500

Trims Available

3.0T quattro - 4.0T quattro Sport - 3.0-liter supercharged V-6 with 335 hp and 325 lb-ft of torque - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2020 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2749
Allstate$2314
American Family$2147
Country Financial$2452
Erie$1764
GEICO$1638
Kentucky Farm Bureau$2520
Liberty Mutual$1824
Mercury$2213
Nationwide$1895
Progressive$1694
State Farm$1738
Tennessee Farmers$2188
Texas Farm Bureau$2034
The Hanover$2684
Travelers$2395

Compare all 2020 Audi A8 L rates

Average Cost to Insure Per Year

$2719

List Price

$96800

Trims Available

3.0T quattro - 4.0T quattro Sport - 3.0-liter supercharged V-6 with 335 hp and 325 lb-ft of torque - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2019 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2684
Allstate$2300
American Family$2034
Country Financial$2426
Erie$1733
GEICO$1587
Kentucky Farm Bureau$2516
Liberty Mutual$1797
Mercury$2158
Nationwide$1846
Progressive$1632
State Farm$1650
Tennessee Farmers$2105
Texas Farm Bureau$1981
The Hanover$2647
Travelers$2346

Compare all 2019 Audi A8 L rates

Average Cost to Insure Per Year

$2219

List Price

$84795

Trims Available

3.0T quattro - 4.0T quattro Sport - 3.0-liter supercharged V-6 with 335 hp and 325 lb-ft of torque - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2018 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2618
Allstate$2270
American Family$2022
Country Financial$2389
Erie$1725
GEICO$1520
Kentucky Farm Bureau$2490
Liberty Mutual$1789
Mercury$2139
Nationwide$1836
Progressive$1569
State Farm$1614
Tennessee Farmers$2045
Texas Farm Bureau$1954
The Hanover$2574
Travelers$2327

Compare all 2018 Audi A8 L rates

Average Cost to Insure Per Year

$2050

List Price

$82500

Trims Available

3.0T quattro - 4.0T quattro Sport - 3.0-liter supercharged V-6 with 333 hp and 325 lb-ft of torque - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2017 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2741
Acuity$ 2741
Allied$ 2116
Allied$ 2116
Arbella$ 2519
Arbella$ 2519
Country$ 2574
Country$ 2574
Erie$ 2107
Erie$ 2107
Mercury$ 2471
Mercury$ 2471
Nationwide$ 2271
Nationwide$ 2271
Plymouth Rock Insurance$ 2060
Plymouth Rock Insurance$ 2060
State Farm$ 2565
State Farm$ 2565
Tennessee Farmers$ 1340
Tennessee Farmers$ 1340
Texas Farm Bureau$ 1464
Texas Farm Bureau$ 1464
USAA$ 2222
USAA$ 2222

Compare all 2017 Audi A8 L rates

Average Cost to Insure Per Year

$ 1992

List Price

$ 82500

Trims Available

3.0T quattro - 4.0T quattro Sport

2016 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2737
Acuity$ 2737
Allied$ 2064
Allied$ 2064
Arbella$ 2472
Arbella$ 2472
Country$ 2495
Country$ 2495
Erie$ 1976
Erie$ 1976
Mercury$ 2419
Mercury$ 2419
Nationwide$ 2174
Nationwide$ 2174
Plymouth Rock Insurance$ 1988
Plymouth Rock Insurance$ 1988
Progressive$ 2073
Progressive$ 2073
Tennessee Farmers$ 1242
Tennessee Farmers$ 1242
Texas Farm Bureau$ 1428
Texas Farm Bureau$ 1428
USAA$ 2033
USAA$ 2033

Compare all 2016 Audi A8 L rates

Average Cost to Insure Per Year

$ 2507

List Price

$ 81500

Trims Available

3.0T quattro - 3.0 quattro TDI - 4.0T quattro Sport - W12 quattro

2015 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2390
Acuity$ 2390
Arbella$ 2287
Arbella$ 2287
Country$ 2295
Country$ 2295
Erie$ 1528
Erie$ 1528
Mercury$ 2378
Mercury$ 2378
Nationwide$ 2443
Nationwide$ 2443
Plymouth Rock Insurance$ 1918
Plymouth Rock Insurance$ 1918
Progressive$ 2038
Progressive$ 2038
State Farm$ 2443
State Farm$ 2443
Tennessee Farmers$ 2270
Tennessee Farmers$ 2270
Texas Farm Bureau$ 1391
Texas Farm Bureau$ 1391
USAA$ 2294
USAA$ 2294

Compare all 2015 Audi A8 L rates

Average Cost to Insure Per Year

$ 2321

List Price

$ 81400

Trims Available

3.0T quattro - 3.0 quattro TDI - 4.0T quattro - W12 quattro

2014 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2142
Acuity$ 2142
Allied$ 2380
Allied$ 2380
Arbella$ 2128
Arbella$ 2128
Country$ 2157
Country$ 2157
Erie$ 1368
Erie$ 1368
Mercury$ 2335
Mercury$ 2335
Plymouth Rock Insurance$ 1849
Plymouth Rock Insurance$ 1849
Progressive$ 1980
Progressive$ 1980
Tennessee Farmers$ 2136
Tennessee Farmers$ 2136
Texas Farm Bureau$ 1351
Texas Farm Bureau$ 1351
USAA$ 1932
USAA$ 1932
Vermont Mutual$ 2330
Vermont Mutual$ 2330

Compare all 2014 Audi A8 L rates

Average Cost to Insure Per Year

$ 2209

List Price

$ 78800

Trims Available

3.0T quattro - 3.0 quattro TDI - 4.0T quattro - W12 quattro

2013 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2273
Acuity$ 2273
Allied$ 2235
Allied$ 2235
Arbella$ 2027
Arbella$ 2027
Erie$ 1363
Erie$ 1363
Mercury$ 2336
Mercury$ 2336
Nationwide$ 2350
Nationwide$ 2350
Plymouth Rock Insurance$ 1795
Plymouth Rock Insurance$ 1795
Progressive$ 2026
Progressive$ 2026
State Farm$ 2396
State Farm$ 2396
Tennessee Farmers$ 2184
Tennessee Farmers$ 2184
Texas Farm Bureau$ 1316
Texas Farm Bureau$ 1316
USAA$ 1901
USAA$ 1901

Compare all 2013 Audi A8 L rates

Average Cost to Insure Per Year

$ 2065

List Price

$ 78500

Trims Available

3.0T quattro - 4.0T quattro - W12 quattro

2012 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2123
Acuity$ 2123
Allied$ 2373
Allied$ 2373
Arbella$ 2069
Arbella$ 2069
Erie$ 1696
Erie$ 1696
Mercury$ 2339
Mercury$ 2339
Plymouth Rock Insurance$ 1747
Plymouth Rock Insurance$ 1747
Progressive$ 2101
Progressive$ 2101
State Farm$ 2399
State Farm$ 2399
Tennessee Farmers$ 2156
Tennessee Farmers$ 2156
Texas Farm Bureau$ 1280
Texas Farm Bureau$ 1280
USAA$ 1927
USAA$ 1927
Vermont Mutual$ 2281
Vermont Mutual$ 2281

Compare all 2012 Audi A8 L rates

Average Cost to Insure Per Year

$ 1916

List Price

$ 84700

Trims Available

quattro - W12 quattro

2011 Audi A8 L

Cheapest Insurance CompaniesAverage Annual Cost
21st Century$ 2151
21st Century$ 2151
American Family$ 2188
American Family$ 2188
Amica$ 1890
Amica$ 1890
Arbella$ 1764
Arbella$ 1764
Country$ 1998
Country$ 1998
Erie$ 1617
Erie$ 1617
Plymouth Rock Insurance$ 1687
Plymouth Rock Insurance$ 1687
Southern Farm Bureau$ 1766
Southern Farm Bureau$ 1766
Tennessee Farmers$ 1698
Tennessee Farmers$ 1698
Texas Farm Bureau$ 739
Texas Farm Bureau$ 739
USAA$ 1770
USAA$ 1770
Vermont Mutual$ 1546
Vermont Mutual$ 1546

Compare all 2011 Audi A8 L rates

Average Cost to Insure Per Year

$ 1514

List Price

$ 84000

Trims Available

quattro