Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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? 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 insurance facts

  • Average full coverage auto insurance premium: $240/month

  • Most affordable companies: GEICO ($195/month) & Progressive ($202/month)

  • A8 car insurance cost vs. average rate: $15 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Audi A8 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 insurer costs by state:

Risk factors affecting Audi A8 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 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 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’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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3648
Allied$3718
Allstate$2820
American Family$2743
Amica$3724
Country Financial$2906
Erie$2500
GEICO$2340
Kentucky Farm Bureau$2955
Liberty Mutual$2616
Mercury$2813
Nationwide$2695
Progressive$2416
State Farm$2451
Tennessee Farmers$2798
Texas Farm Bureau$2715
The Hanover$3202
Travelers$2864

Compare all 2021 Audi A8 rates

Average Cost to Insure Per Year

$3130

List Price

$86500

Trims Available

3.0T quattro NWB with base engine: 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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3548
Allstate$2753
American Family$2682
Country Financial$2805
Erie$2483
GEICO$2315
Kentucky Farm Bureau$2852
Liberty Mutual$2573
Mercury$2748
Nationwide$2654
Progressive$2388
State Farm$2415
Tennessee Farmers$2694
Texas Farm Bureau$2657
The Hanover$3159
Travelers$2794

Compare all 2020 Audi A8 rates

Average Cost to Insure Per Year

$3020

List Price

$85200

Trims Available

3.0T quattro NWB with base engine: 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

2019 Audi A8

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3490
Allstate$2615
American Family$2499
Country Financial$2715
Erie$2345
GEICO$2216
Kentucky Farm Bureau$2816
Liberty Mutual$2369
Mercury$2567
Nationwide$2419
Progressive$2238
State Farm$2323
Tennessee Farmers$2540
Texas Farm Bureau$2455
The Hanover$3154
Travelers$2689

Compare all 2019 Audi A8 rates

Average Cost to Insure Per Year

$

List Price

$

Trims Available

2018 Audi A8

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3327
Allstate$2570
American Family$2451
Country Financial$2683
Erie$2240
GEICO$2138
Kentucky Farm Bureau$2740
Liberty Mutual$2323
Mercury$2519
Nationwide$2356
Progressive$2160
State Farm$2180
Tennessee Farmers$2468
Texas Farm Bureau$2367
The Hanover$3129
Travelers$2618

Compare all 2018 Audi A8 rates

Average Cost to Insure Per Year

$2756

List Price

$82500

Trims Available

3.0T quattro NWB with base engine: 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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3147
Allstate$2566
American Family$2420
Country Financial$2615
Erie$2236
GEICO$2120
Kentucky Farm Bureau$2734
Liberty Mutual$2290
Mercury$2458
Nationwide$2319
Progressive$2135
State Farm$2168
Tennessee Farmers$2435
Texas Farm Bureau$2348
The Hanover$3065
Travelers$2595

Compare all 2017 Audi A8 rates

Average Cost to Insure Per Year

$2987

List Price

$91500

Trims Available

3.0T quattro NWB with base engine: 3.0-liter supercharged V-6 with 333 hp and 325 lb-ft of torque - with safety features - 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

2016 Audi A8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2349
Acuity$ 2349
Allied$ 1866
Allied$ 1866
Arbella$ 2082
Arbella$ 2082
Country$ 2305
Country$ 2305
Erie$ 2010
Erie$ 2010
Mercury$ 2428
Mercury$ 2428
Nationwide$ 2045
Nationwide$ 2045
Plymouth Rock Insurance$ 1962
Plymouth Rock Insurance$ 1962
Progressive$ 2184
Progressive$ 2184
Tennessee Farmers$ 1258
Tennessee Farmers$ 1258
Texas Farm Bureau$ 1523
Texas Farm Bureau$ 1523
USAA$ 1990
USAA$ 1990

Compare all 2016 Audi A8 rates

Average Cost to Insure Per Year

$ 2163

List Price

$ 77400

Trims Available

3.0T quattro NWB

2015 Audi A8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2015
Acuity$ 2015
Allied$ 2297
Allied$ 2297
Arbella$ 2076
Arbella$ 2076
Country$ 2101
Country$ 2101
Erie$ 1470
Erie$ 1470
Nationwide$ 2277
Nationwide$ 2277
Plymouth Rock Insurance$ 1889
Plymouth Rock Insurance$ 1889
Progressive$ 2368
Progressive$ 2368
Tennessee Farmers$ 2051
Tennessee Farmers$ 2051
Texas Farm Bureau$ 1391
Texas Farm Bureau$ 1391
USAA$ 1973
USAA$ 1973
Vermont Mutual$ 2206
Vermont Mutual$ 2206

Compare all 2015 Audi A8 rates

Average Cost to Insure Per Year

$ 2009

List Price

$ 77400

Trims Available

3.0T quattro - 4.0T quattro

2014 Audi A8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1874
Acuity$ 1874
Arbella$ 1969
Arbella$ 1969
Country$ 2022
Country$ 2022
Erie$ 1384
Erie$ 1384
Mercury$ 2340
Mercury$ 2340
Plymouth Rock Insurance$ 1807
Plymouth Rock Insurance$ 1807
Southern Farm Bureau$ 2286
Southern Farm Bureau$ 2286
State Farm$ 2330
State Farm$ 2330
Tennessee Farmers$ 1970
Tennessee Farmers$ 1970
Texas Farm Bureau$ 1343
Texas Farm Bureau$ 1343
USAA$ 1972
USAA$ 1972
Vermont Mutual$ 2025
Vermont Mutual$ 2025

Compare all 2014 Audi A8 rates

Average Cost to Insure Per Year

$ 1755

List Price

$ 75100

Trims Available

3.0T quattro - 4.0T quattro

2013 Audi A8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1940
Acuity$ 1940
Allied$ 2039
Allied$ 2039
Arbella$ 2005
Arbella$ 2005
Erie$ 1334
Erie$ 1334
Mercury$ 2340
Mercury$ 2340
Nationwide$ 2126
Nationwide$ 2126
Plymouth Rock Insurance$ 1747
Plymouth Rock Insurance$ 1747
Southern Farm Bureau$ 2282
Southern Farm Bureau$ 2282
Tennessee Farmers$ 2011
Tennessee Farmers$ 2011
Texas Farm Bureau$ 1402
Texas Farm Bureau$ 1402
USAA$ 1846
USAA$ 1846
Vermont Mutual$ 2088
Vermont Mutual$ 2088

Compare all 2013 Audi A8 rates

Average Cost to Insure Per Year

$ 1965

List Price

$ 72200

Trims Available

3.0T quattro - 4.0T quattro

2012 Audi A8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1586
Acuity$ 1586
Allied$ 2028
Allied$ 2028
Amica$ 2113
Amica$ 2113
Arbella$ 1830
Arbella$ 1830
Erie$ 1280
Erie$ 1280
Nationwide$ 2086
Nationwide$ 2086
Plymouth Rock Insurance$ 1693
Plymouth Rock Insurance$ 1693
Southern Farm Bureau$ 1940
Southern Farm Bureau$ 1940
Tennessee Farmers$ 1780
Tennessee Farmers$ 1780
Texas Farm Bureau$ 1365
Texas Farm Bureau$ 1365
USAA$ 1683
USAA$ 1683
Vermont Mutual$ 1697
Vermont Mutual$ 1697

Compare all 2012 Audi A8 rates

Average Cost to Insure Per Year

$ 1861

List Price

$ 78750

Trims Available

quattro

2011 Audi A8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1403
Acuity$ 1403
Allied$ 1916
Allied$ 1916
Amica$ 1823
Amica$ 1823
Arbella$ 1103
Arbella$ 1103
Country$ 1938
Country$ 1938
Erie$ 1227
Erie$ 1227
Plymouth Rock Insurance$ 1668
Plymouth Rock Insurance$ 1668
Southern Farm Bureau$ 1676
Southern Farm Bureau$ 1676
Tennessee Farmers$ 1634
Tennessee Farmers$ 1634
Texas Farm Bureau$ 1324
Texas Farm Bureau$ 1324
USAA$ 1608
USAA$ 1608
Vermont Mutual$ 1472
Vermont Mutual$ 1472

Compare all 2011 Audi A8 rates

Average Cost to Insure Per Year

$ 1791

List Price

$ 78050

Trims Available

quattro