- Audi A8 car insurance costs $4,078 per year on average, or around $340 per month for full coverage.
- The A8 L 55 TFSI trim level costs an estimated $4,022 per year to insure, while the A8 L 55 TFSI Luxury is the most expensive to insure at $4,120.
- 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 $4,078 annually, or around $340 if paid each month. On average, expect to pay about $239 more annually to insure an Audi A8 as compared to the average rate for large luxury cars, and $1,802 more per year than the all-vehicle national average of $2,276.
The following chart shows average car insurance cost for a 2024 Audi A8 using different combinations of driver age and risk.
Some additional insights into Audi A8 insurance rates include:
- A8 insurance rates for teenagers are high. Average rates for full coverage A8 insurance costs $14,200 per year for a 16-year-old driver, $13,925 per year for a 17-year-old driver, and $12,789 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 $8,268 per year, while a 20-year-old female pays an estimated $5,878, a difference of $2,390 per year. The females get the cheaper rate by far. But by age 50, male rates are $3,570 and female rates are $3,500, a difference of only $70.
- Raise your credit score to score lower rates. Drivers who have credit scores over 800 could save as much as $640 per year over a good rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $742 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 $122 and $233 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 $754 per year for a 40-year-old driver and $1,500 per year for a 20-year-old driver.
- Low deductibles will increase rates. Decreasing deductibles from $500 to $250 could cost an additional $790 per year for a 40-year-old driver and $1,594 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 ($3,348 per year) and a 20-year-old driver ($8,268 per year) is $4,920, 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 $4,078 per year to insure, while the category average car insurance cost is $3,839 annually, a difference of $239.
When compared directly to other large luxury cars, auto insurance for a Audi A8 costs $780 more per year than the Lexus LS 500, $880 more than the Mercedes-Benz EQS 450, $642 more than the BMW 840i, and $194 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Audi A5 | $2,850 | -$1,228 |
| 2 | Volvo S90 | $2,940 | -$1,138 |
| 3 | Genesis G90 | $3,154 | -$924 |
| 4 | Mercedes-Benz AMG E53 | $3,164 | -$914 |
| 5 | Mercedes-Benz EQS 450 | $3,198 | -$880 |
| 6 | Lexus LS 500 | $3,298 | -$780 |
| 7 | Lexus LS 500h | $3,338 | -$740 |
| 8 | BMW 840i | $3,436 | -$642 |
| 9 | BMW i7 | $3,482 | -$596 |
| 10 | Audi RS 7 | $3,608 | -$470 |
| 11 | BMW M850i | $3,870 | -$208 |
| 12 | BMW 740i | $3,884 | -$194 |
| 13 | BMW 750e | $3,898 | -$180 |
| 14 | Mercedes-Benz AMG GT43 | $3,926 | -$152 |
| 15 | Audi S8 | $3,972 | -$106 |
| 16 | Mercedes-Benz S500 | $4,072 | -$6 |
| 17 | Audi A8 | $4,078 | -- |
| 18 | BMW 760i | $4,104 | $26 |
| 19 | Mercedes-Benz S580 | $4,262 | $184 |
| 20 | Mercedes-Benz EQS 580 | $4,334 | $256 |
| 21 | Mercedes-Benz Maybach S580 | $4,710 | $632 |
| 22 | Mercedes-Benz AMG EQS | $4,758 | $680 |
| 23 | Porsche Panamera | $4,782 | $704 |
| 24 | Mercedes-Benz Maybach S680 | $5,026 | $948 |
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 October 24, 2025
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 $3,420 a year in Charlotte, NC, or $3,174 in Raleigh, NC, to higher rates like $7,758 a year in Detroit, MI, and $6,542 for Audi A8 car insurance in New York City.
Some additional examples of rates include Long Beach, CA, at $4,970 per year, Denver, CO, costing $4,800, Colorado Springs, CO, averaging $4,726, and Louisville, KY, at an estimated $5,746.
The data below details average Audi A8 car insurance rates for the most populated metro areas in the U.S.
From a state perspective, states like Ohio ($3,386), Maine ($3,100), and Idaho ($3,434) tend to be on the cheaper side when insuring an Audi A8, while states like Louisiana ($4,580) and Michigan ($4,906) tend to have higher rates.
The table below shows the average car insurance cost for a 2024 Audi A8 in each U.S. state.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $3,986 | $332 |
| Alaska | $3,562 | $297 |
| Arizona | $4,034 | $336 |
| Arkansas | $4,420 | $368 |
| California | $4,904 | $409 |
| Colorado | $4,496 | $375 |
| Connecticut | $4,620 | $385 |
| Delaware | $4,690 | $391 |
| Florida | $4,742 | $395 |
| Georgia | $4,348 | $362 |
| Hawaii | $3,340 | $278 |
| Idaho | $3,434 | $286 |
| Illinois | $3,918 | $327 |
| Indiana | $3,532 | $294 |
| Iowa | $3,300 | $275 |
| Kansas | $4,236 | $353 |
| Kentucky | $4,492 | $374 |
| Louisiana | $4,580 | $382 |
| Maine | $3,100 | $258 |
| Maryland | $4,070 | $339 |
| Massachusetts | $4,548 | $379 |
| Michigan | $4,906 | $409 |
| Minnesota | $3,864 | $322 |
| Mississippi | $4,210 | $351 |
| Missouri | $4,662 | $389 |
| Montana | $4,038 | $337 |
| Nebraska | $3,794 | $316 |
| Nevada | $4,864 | $405 |
| New Hampshire | $3,302 | $275 |
| New Jersey | $4,908 | $409 |
| New Mexico | $3,754 | $313 |
| New York | $4,750 | $396 |
| North Carolina | $3,172 | $264 |
| North Dakota | $3,772 | $314 |
| Ohio | $3,386 | $282 |
| Oklahoma | $4,588 | $382 |
| Oregon | $4,084 | $340 |
| Pennsylvania | $4,164 | $347 |
| Rhode Island | $4,990 | $416 |
| South Carolina | $3,802 | $317 |
| South Dakota | $4,364 | $364 |
| Tennessee | $4,138 | $345 |
| Texas | $4,070 | $339 |
| Utah | $3,912 | $326 |
| Vermont | $3,472 | $289 |
| Virginia | $3,288 | $274 |
| Washington | $3,992 | $333 |
| West Virginia | $3,958 | $330 |
| Wisconsin | $3,436 | $286 |
| Wyoming | $3,952 | $329 |
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 October 24, 2025
