Audi A8 Car Insurance Rates for 2023

• Audi A8 car insurance costs $2,886 per year on average, or around $241 per month for full coverage.
• The A8 L 55 TFSI trim level costs an estimated $2,836 per year to insure, while the A8 L 55 TFSI Luxury is the most expensive to insure at $2,924.
• The A8 ranks 18^th out of 26 vehicles in the 2023 large luxury car class for insurance affordability.

How much does Audi A8 car insurance cost?

Audi A8 insurance rates average $2,886 annually, or around $241 if paid each month. On average, expect to pay about $162 more annually to insure an Audi A8 as compared to the average rate for large luxury cars, and $1,201 more per year than the all-vehicle national average of $1,685.

The following chart shows average car insurance cost for a 2023 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 $9,984 per year for a 16-year-old driver, $9,476 per year for a 17-year-old driver, and $8,904 per year for an 18-year-old driver.
• Driver gender affects car insurance rates. For a 2023 Audi A8, a 20-year-old male will have an average rate of $5,788 per year, while a 20-year-old female pays an estimated $4,242, a difference of $1,546 per year. The females get the cheaper rate by far. But by age 50, male rates are $2,624 and female rates are $2,570, a difference of only $54.
• Raise your credit score to score lower rates. Drivers who have credit scores over 800 could save as much as $453 per year over a good rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $525 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 $87 and $178 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 $524 per year for a 40-year-old driver and $1,040 per year for a 20-year-old driver.
• Low deductibles will increase rates. Decreasing deductibles from $500 to $250 could cost an additional $552 per year for a 40-year-old driver and $1,102 per year for a 20-year-old driver.
• As you age, insurance rates get cheaper. The difference in car insurance rates for a 2023 Audi A8 between a 60-year-old driver ($2,580 per year) and a 20-year-old driver ($5,788 per year) is $3,208, or a savings of 76.7%.

How does Audi A8 insurance cost rank?

The Audi A8 ranks 18^th out of 26 total comparison vehicles in the 2023 large luxury car segment. The A8 costs an estimated $2,886 per year to insure, while the category average car insurance cost is $2,724 annually, a difference of $162.

When compared directly to other large luxury cars, auto insurance for a Audi A8 costs $906 more per year than the Audi A5, $90 more than the BMW 740i, $60 less than the Porsche Panamera, and $302 more than the Infiniti Q60.

The table below shows how average Audi A8 car insurance cost compares to all other full-size luxury sedans for the 2023 model year.

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 $2,044 a year in Charlotte, NC, or $1,808 in Raleigh, NC, to higher rates like $6,730 a year in Detroit, MI, and $5,086 for Audi A8 car insurance in New York City.

Some additional examples of rates include Long Beach, CA, at $3,556 per year, Denver, CO, costing $3,392, Colorado Springs, CO, averaging $3,318, and Louisville, KY, at an estimated $4,314.

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 ($2,012), Maine ($1,736), and Idaho ($2,056) tend to be on the cheaper side when insuring an Audi A8, while states like Louisiana ($3,436) and Michigan ($3,946) tend to have higher rates.

The table below shows the average car insurance cost for a 2023 Audi A8 in each U.S. state.