Navigating Insurance for an Audi A8: Rates Compared for 2025

The A8 is one of the top selling large luxury cars in America, but does being popular translate to affordable insurance cost? We analyze the cost of insurance for the Audi A8 against the entire large luxury car category to find out.

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  • Audi A8 car insurance costs $3,982 per year on average, or around $332 per month for full coverage.
  • The A8 L 55 TFSI trim level costs an estimated $3,928 per year to insure, while the A8 L 55 TFSI Luxury is the most expensive to insure at $4,024.
  • The A8 ranks 17th out of 24 vehicles in the 2024 large luxury car class for insurance affordability.

How much does Audi A8 car insurance cost?

Audi A8 insurance rates average $3,982 annually, or around $332 if paid each month. On average, expect to pay about $234 more annually to insure an Audi A8 as compared to the average rate for large luxury cars, and $1,761 more per year than the all-vehicle national average of $2,221.

The following chart shows average car insurance cost for a 2024 Audi A8 using different combinations of driver age and risk.

Average 2024 Audi A8 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Audi A8 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Audi A8 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Audi A8 trim levels.

2024 Audi A8 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$9,178$765
Safe Driver Age 20$8,066$672
At-fault Accidents Age 40$5,590$466
Low Deductibles Age 40$5,432$453
Safe Driver Age 30$4,278$357
Safe Driver Age 40$3,982$332
Safe Driver Age 50$3,486$291
Discount Rate Age 40$3,304$275
Safe Driver Age 60$3,268$272
High Deductibles Age 40$3,246$271

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Audi A8 trim levels. Updated June 27, 2025

Some additional insights into Audi A8 insurance rates include:

  • A8 insurance rates for teenagers are high. Average rates for full coverage A8 insurance costs $13,858 per year for a 16-year-old driver, $13,588 per year for a 17-year-old driver, and $12,481 per year for an 18-year-old driver.
  • Driver gender affects car insurance rates. For a 2024 Audi A8, a 20-year-old male will have an average rate of $8,066 per year, while a 20-year-old female pays an estimated $5,736, a difference of $2,330 per year. The females get the cheaper rate by far. But by age 50, male rates are $3,486 and female rates are $3,414, a difference of only $72.
  • Raise your credit score to score lower rates. Drivers who have credit scores over 800 could save as much as $625 per year over a good rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $725 more per year. Not all states offer cheaper rates based on credit scores, however.
  • Get better rates due to your employment. Most car insurance companies offer policy discounts for earning a living in occupations like farmers, members of the military, doctors, emergency medical technicians, police officers and law enforcement, and other occupations. By qualifying for this profession discount, you may save between $119 and $228 on your Audi A8 insurance bill, subject to policy limits.
  • Increase physical damage deductibles to save money. Raising your policy deductibles from $500 to $1,000 could save around $736 per year for a 40-year-old driver and $1,462 per year for a 20-year-old driver.
  • Low deductibles will increase rates. Decreasing deductibles from $500 to $250 could cost an additional $770 per year for a 40-year-old driver and $1,558 per year for a 20-year-old driver.
  • As you age, insurance rates get cheaper. The difference in car insurance rates for a 2024 Audi A8 between a 60-year-old driver ($3,268 per year) and a 20-year-old driver ($8,066 per year) is $4,798, or a savings of 84.7%.

How does Audi A8 insurance cost rank?

The Audi A8 ranks 17th out of 24 total comparison vehicles in the 2024 large luxury car segment. The A8 costs an estimated $3,982 per year to insure, while the category average car insurance cost is $3,748 annually, a difference of $234.

When compared directly to other large luxury cars, auto insurance for a Audi A8 costs $762 more per year than the Lexus LS 500, $860 more than the Mercedes-Benz EQS 450, $628 more than the BMW 840i, and $188 more per year than the BMW 740i.

The table below shows how average Audi A8 car insurance cost compares to all other full-size luxury sedans for the 2024 model year.

Insurance Cost Comparison: Audi A8 vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,782-$1,200
2Volvo S90$2,870-$1,112
3Genesis G90$3,076-$906
4Mercedes-Benz AMG E53$3,088-$894
5Mercedes-Benz EQS 450$3,122-$860
6Lexus LS 500$3,220-$762
7Lexus LS 500h$3,262-$720
8BMW 840i$3,354-$628
9BMW i7$3,402-$580
10Audi RS 7$3,524-$458
11BMW M850i$3,780-$202
12BMW 740i$3,794-$188
13BMW 750e$3,806-$176
14Mercedes-Benz AMG GT43$3,832-$150
15Audi S8$3,878-$104
16Mercedes-Benz S500$3,972-$10
17Audi A8$3,982--
18BMW 760i$4,008$26
19Mercedes-Benz S580$4,162$180
20Mercedes-Benz EQS 580$4,230$248
21Mercedes-Benz Maybach S580$4,598$616
22Mercedes-Benz AMG EQS$4,642$660
23Porsche Panamera$4,666$684
24Mercedes-Benz Maybach S680$4,906$924

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025

At $3,982 per year, insurance cost for a 2024 Audi A8 ranks 17th out of 24 models in the large luxury car segment
At $3,982 per year, insurance cost for a 2024 Audi A8 ranks 17th out of 24 models in the large luxury car segment

Average rates by U.S. city and state

The cost to insure an A8 varies considerably based on where you live, from cheaper amounts like $3,342 a year in Charlotte, NC, or $3,098 in Raleigh, NC, to higher rates like $7,710 a year in Detroit, MI, and $6,468 for Audi A8 car insurance in New York City.

Some additional examples of rates include Long Beach, CA, at $4,896 per year, Denver, CO, costing $4,726, Colorado Springs, CO, averaging $4,652, and Louisville, KY, at an estimated $5,672.

The data below details average Audi A8 car insurance rates for the most populated metro areas in the U.S.

Average car insurance rates for a 2024 Audi A8 in larger U.S. cities.
Figure 2: Average car insurance rates for a 2024 Audi A8 in larger U.S. cities. Rates updated on June 27, 2025.

Data Methodology: Average car insurance rates for a 2024 Audi A8 assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Audi A8 Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$6,468$539
Philadelphia, PA$5,878$490
Las Vegas, NV$5,864$489
Los Angeles, CA$5,852$488
San Francisco, CA$5,234$436
Kansas City, MO$4,794$400
Oklahoma City, OK$4,794$400
Denver, CO$4,726$394
Memphis, TN$4,726$394
Atlanta, GA$4,680$390
San Jose, CA$4,586$382
Phoenix, AZ$4,498$375
Portland, OR$4,456$371
San Diego, CA$4,436$370
Boston, MA$4,426$369
Chicago, IL$4,334$361
Dallas, TX$4,284$357
Houston, TX$4,268$356
Seattle, WA$4,258$355
Jacksonville, FL$4,172$348
Nashville, TN$4,144$345
Milwaukee, WI$4,132$344
Albuquerque, NM$4,078$340
San Antonio, TX$3,988$332
Omaha, NE$3,910$326
Fort Worth, TX$3,898$325
Austin, TX$3,864$322
Indianapolis, IN$3,632$303
Columbus, OH$3,442$287
Charlotte, NC$3,342$279

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Audi A8 and all Zip Codes in each city. Updated June 27, 2025

From a state perspective, states like Ohio ($3,310), Maine ($3,028), and Idaho ($3,356) tend to be on the cheaper side when insuring an Audi A8, while states like Louisiana ($4,520) and Michigan ($4,860) tend to have higher rates.

The table below shows the average car insurance cost for a 2024 Audi A8 in each U.S. state.

2024 Audi A8 Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$3,910$326
Alaska$3,488$291
Arizona$3,958$330
Arkansas$4,346$362
California$4,828$402
Colorado$4,422$369
Connecticut$4,544$379
Delaware$4,616$385
Florida$4,684$390
Georgia$4,270$356
Hawaii$3,266$272
Idaho$3,356$280
Illinois$3,840$320
Indiana$3,458$288
Iowa$3,226$269
Kansas$4,164$347
Kentucky$4,420$368
Louisiana$4,520$377
Maine$3,028$252
Maryland$3,996$333
Massachusetts$4,472$373
Michigan$4,860$405
Minnesota$3,786$316
Mississippi$4,134$345
Missouri$4,588$382
Montana$3,964$330
Nebraska$3,720$310
Nevada$4,786$399
New Hampshire$3,228$269
New Jersey$4,834$403
New Mexico$3,680$307
New York$4,678$390
North Carolina$3,094$258
North Dakota$3,698$308
Ohio$3,310$276
Oklahoma$4,512$376
Oregon$4,012$334
Pennsylvania$4,088$341
Rhode Island$4,918$410
South Carolina$3,726$311
South Dakota$4,288$357
Tennessee$4,064$339
Texas$3,996$333
Utah$3,840$320
Vermont$3,400$283
Virginia$3,216$268
Washington$3,920$327
West Virginia$3,886$324
Wisconsin$3,360$280
Wyoming$3,878$323

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Average annual premium and cost per month to insure a 2024 Audi A8 in all 50 U.S. States
Average annual premium and cost per month to insure a 2024 Audi A8 in all 50 U.S. States