Audi A8 Car Insurance Rates for 2022

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 $2,606 per year on average, or around $217 per month for full coverage.
  • The A8 55 TFSI trim level costs an estimated $2,550 per year to insure, while the A8 60 TFSI e Plug-in Hybrid is the most expensive to insure at $2,644.
  • The A8 ranks #20 out of 25 vehicles in the 2022 large luxury car class for insurance affordability.

How much does Audi A8 car insurance cost?

Audi A8 insurance rates average $2,606 annually, or around $217 if paid each month. On average, expect to pay about $196 more annually to insure an Audi A8 as compared to the average rate for large luxury cars, and $1,039 more per year than the all-vehicle national average of $1,567.

The following chart shows average car insurance cost for a 2022 Audi A8 using different combinations of driver age and risk.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on November 22, 2022
Audi A8 Car Insurance Rates
Audi A8 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$5,970$498
Safe Driver Age 20$5,226$436
At-fault Accidents Age 40$3,656$305
Low Deductibles Age 40$3,540$295
Safe Driver Age 30$2,786$232
Safe Driver Age 40$2,606$217
Safe Driver Age 50$2,368$197
Safe Driver Age 60$2,330$194
Discount Rate Age 40$2,162$180
High Deductibles Age 40$2,132$178

Some additional insights into Audi A8 insurance rates include:

  • A8 insurance rates for teenagers are high. Average rates for full coverage A8 insurance costs $9,012 per year for a 16-year-old driver, $8,552 per year for a 17-year-old driver, and $8,036 per year for a 18-year-old driver.
  • Driver gender affects car insurance rates. For a 2022 Audi A8, a 20-year-old male will have an average rate of $5,226 per year, while a 20-year-old female pays an estimated $3,830, a difference of $1,396 per year. The females get the cheaper rate by far. But by age 50, male rates are $2,368 and female rates are $2,320, a difference of only $48.
  • Raise your credit score to score lower rates. Drivers who have credit scores over 800 could save as much as $409 per year over a good rating of 670-739. Conversely, a not-so-perfect credit rating could cost up to $474 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 $78 and $159 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 $474 per year for a 40-year-old driver and $938 per year for a 20-year-old driver.
  • Low deductibles will increase rates. Decreasing deductibles from $500 to $250 could cost an additional $496 per year for a 40-year-old driver and $996 per year for a 20-year-old driver.
  • As you age, insurance rates get cheaper. The difference in car insurance rates for a 2022 Audi A8 between a 60-year-old driver ($2,330 per year) and a 20-year-old driver ($5,226 per year) is $2,896, or a savings of 55.4%.

How does Audi A8 insurance cost rank?

The Audi A8 ranks #20 out of 25 total comparison vehicles in the 2022 large luxury car segment. The A8 costs an estimated $2,606 per year to insure, while the category average car insurance cost is $2,410 annually, a difference of $196.

When compared directly to other large luxury cars, auto insurance for a Audi A8 costs $816 more per year than the Audi A5, $66 more than the BMW 740i, $50 less than the Porsche Panamera, and $298 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 2022 model year.

Insurance Cost Comparison: Audi A8 vs Large Luxury Cars
Rank Make/Model Insurance Cost Difference
1Audi A5$1,790-$816
2Volvo S90$1,974-$632
3Lexus LS 500$2,048-$558
4Mercedes-Benz AMG E53$2,082-$524
5Genesis G90$2,088-$518
6Mercedes-Benz AMG GT43$2,130-$476
7Lexus LS 500h$2,192-$414
8BMW 840i$2,206-$400
9BMW 745e$2,246-$360
10Mercedes-Benz EQS 450$2,298-$308
11Infiniti Q60$2,308-$298
12Mercedes-Benz S500$2,336-$270
13Audi RS 7$2,340-$266
14Mercedes-Benz EQS 580$2,356-$250
15BMW M850i$2,514-$92
16Mercedes-Benz S580$2,518-$88
17BMW 740i$2,540-$66
18Audi S8$2,574-$32
19BMW 750i$2,602-$4
20Audi A8$2,606--
21Porsche Panamera$2,656$50
22Mercedes-Benz S560$2,772$166
23BMW Alpina B8$2,906$300
24BMW M760i$3,002$396
25Mercedes-Benz Maybach S580$3,154$548

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 22, 2022
Insurance Cost Comparison: Audi A8 vs Large Luxury Cars

Is A8 car insurance cheap where I live?

The cost to insure an A8 varies considerably based on where you live, from cheaper amounts like $1,864 a year in Charlotte, NC, or $1,624 in Raleigh, NC, to higher rates like $10,200 a year in Detroit, MI, and $4,920 for Audi A8 car insurance in New York City.

Some additional examples of rates include Long Beach, CA, at $3,384 per year, Denver, CO, costing $3,214, Colorado Springs, CO, averaging $3,142, and Louisville, KY, at an estimated $4,142.

The data below details average Audi A8 car insurance rates for the most populated metro areas in the U.S. For this comparison, rates range from $1,958 per year in Columbus, OH, to $4,920 in New York, NY, a difference of $2,962.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Audi A8, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Audi A8 trim levels.Data last updated on November 22, 2022
Audi A8 Insurance Rates in Large U.S. Cities
Audi A8 Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$4,920$410
Philadelphia, PA$4,342$362
Los Angeles, CA$4,320$360
San Francisco, CA$3,714$310
Jacksonville, FL$3,694$308
San Jose, CA$3,076$256
Phoenix, AZ$2,994$250
San Diego, CA$2,928$244
Chicago, IL$2,832$236
Dallas, TX$2,784$232
Houston, TX$2,768$231
Indianapolis, IN$2,622$219
San Antonio, TX$2,492$208
Austin, TX$2,372$198
Columbus, OH$1,958$163

What does Audi A8 insurance cost in my state?

From a state perspective, states like Ohio ($1,514), Maine ($1,802), and Idaho ($2,056) tend to be on the cheaper side, while states like Louisiana ($3,772) and Michigan ($4,150) have higher rates.

The table below shows the average car insurance cost for a 2022 Audi A8 in each U.S. state.

Audi A8 Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$2,122$1,061$177
Alaska$2,286$1,143$191
Arizona$2,318$1,159$193
Arkansas$2,788$1,394$232
California$2,986$1,493$249
Colorado$2,782$1,391$232
Connecticut$2,524$1,262$210
Delaware$2,646$1,323$221
Florida$3,808$1,904$317
Georgia$2,520$1,260$210
Hawaii$1,770$885$148
Idaho$2,056$1,028$171
Illinois$2,106$1,053$176
Indiana$1,946$973$162
Iowa$1,884$942$157
Kansas$2,622$1,311$219
Kentucky$3,030$1,515$253
Louisiana$3,772$1,886$314
Maine$1,802$901$150
Maryland$2,352$1,176$196
Massachusetts$2,134$1,067$178
Michigan$4,150$2,075$346
Minnesota$2,290$1,145$191
Mississippi$2,460$1,230$205
Missouri$2,766$1,383$231
Montana$2,538$1,269$212
Nebraska$2,490$1,245$208
Nevada$2,858$1,429$238
New Hampshire$1,572$786$131
New Jersey$2,460$1,230$205
New Mexico$2,088$1,044$174
New York$2,772$1,386$231
North Carolina$1,656$828$138
North Dakota$2,168$1,084$181
Ohio$1,514$757$126
Oklahoma$2,534$1,267$211
Oregon$2,182$1,091$182
Pennsylvania$2,192$1,096$183
Rhode Island$3,070$1,535$256
South Carolina$2,402$1,201$200
South Dakota$2,358$1,179$197
Tennessee$2,060$1,030$172
Texas$2,454$1,227$205
Utah$2,152$1,076$179
Vermont$1,730$865$144
Virginia$1,682$841$140
Washington$1,978$989$165
West Virginia$2,342$1,171$195
Wisconsin$1,770$885$148
Wyoming$2,390$1,195$199

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Audi A8, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Audi A8 trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on November 22, 2022
Audi A8 insurance rates by U.S. state