Key Takeaways
Audi A8 insurance cost is high because the car is categorized as a luxury sedan. Various insurers offer competitive rates for the car model. Each of these rates is calculated by assigning the respective weightage to factors that affect the insurance rates. So, it is better to acquaint with the important factors and the ways to get cheap Audi A8 insurance quotes.
The average annual car insurance rate for Audi A8 model is $3,192. Compared with cars in the same segment, such as the Tesla Model S, the Benz S-Class, etc., A8 auto insurance rates are low. Check the average annual and monthly insurance rate comparison among the selected car models in the table below.
| Car Model | Average Monthly Rate | Average Annual Rate |
|---|---|---|
| Tesla Model S | $296 | $3,552 |
| Mercedes-Benz S-Class | $292 | $3,504 |
| BMW 7 Series | $291 | $3,492 |
| Porsche Panamera | $269 | $3,228 |
| Audi A8 | $266 | $3,192 |
| Lexus LS | $260 | $3,120 |
| Jaguar XJ | $236 | $2,832 |
Audi A8 car insurance costs depend on numerous factors. Though the weightage given to each of these factors varies based on the respective insurer, it is important to be aware of them. Here are some of them that impact the Audi 8 car insurance cost significantly.
Luxury Classification and MSRP: The Audi A8 is classified as a luxury sedan with a high MSRP when compared to regular sedans. Along with the premium classification and high market value, the Audi A8 car insurance rates are also high.
Performance-Oriented Variants: The Audi A8 comes in four trim levels, which are A8 55 TFSI, A8 60 TFSI, A8 60 TFSI e, and S8. Each of these trim levels is an upgrade, where 55 TFSI is the basic, and S8 is the top-end trim. Along with the upgrade comes advanced features and enhanced performance, along with a rise in HP and other specs. Therefore, the insurance cost of each Audi A8 trim changes accordingly.
Advanced Driver Assistance & Safety Tech: The more advanced the safety features are, the lower the chances of risk. Audi A8's built-in safety and security measures ensure the protection of passengers and other travelers on the road. Hence, this factor could help you get a cheap Audi A8 insurance quote.
High Repair Costs for Advanced Components: Advanced components in the Audi A8, such as predictive active suspension, cost much to repair if damaged. Therefore, such factors add to the increase in Audi A8 auto insurance rates.
Build Complexity and Materials: The multi-material body structure for the lightweight construction of A8 makes its build complex. Hence, the cost of materials increases, and insurance rates increase similarly.
Limited Theft Risk: The high-end features of the Audi A8 promise great security for the car. Therefore, the car is not under the high-theft-risk category. This factor helps to lower the insurance cost for Audi A8.
The Audi A8 car insurance rates highly depend on the model year. The luxury sedan's MSRP depreciates rapidly. Go through the average annual and monthly insurance rates for selected model years here.
| Audi A8 Model Years | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Audi A8 2020 Model Year | $3,208 | $267 |
| Audi A8 2019 Model Year | $3,116 | $260 |
| Audi A8 2016 Model Year | $2,005 | $167 |
| Audi A8 2015 Model Year | $1,937 | $161 |
| Audi A8 2014 Model Year | $1,683 | $140 |
| Audi A8 2013 Model Year | $1,893 | $158 |
| Audi A8 2012 Model Year | $1,789 | $149 |
| Audi A8 2011 Model Year | $1,718 | $143 |
Here is an overview of the car insurers who offer the cheapest rates for the Audi A8.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | $1,343 | $112 |
| Tennessee Farmers | $1,774 | $148 |
| Plymouth Rock Insurance | $1,880 | $157 |
| Erie | $1,903 | $159 |
| Acuity | $2,001 | $167 |
| Nationwide | $2,072 | $173 |
| Vermont Mutual | $2,078 | $173 |
| Arbella | $2,125 | $177 |
| USAA | $2,150 | $179 |
| Country | $2,208 | $184 |
| Southern Farm Bureau | $2,361 | $197 |
| Progressive | $2,362 | $197 |
| State Farm | $2,425 | $202 |
| Mercury | $2,430 | $203 |
The average Audi A8 auto insurance rate for the 2020 model year is $3,208. Tennessee Farmers offers the cheapest insurance cost for A8. The average monthly cost offered by the insurer is $110. Here are some of the cheapest insurers and their respective costs.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Tennessee Farmers | $1,317 | $110 |
| American Family | $1,703 | $142 |
| 21st Century | $2,072 | $173 |
| Nationwide | $2,107 | $176 |
| Vermont Mutual | $2,331 | $194 |
| Arbella | $2,434 | $203 |
| Country | $2,461 | $205 |
| Progressive | $2,545 | $212 |
| Mercury | $2,629 | $219 |
| Southern Farm Bureau | $2,631 | $219 |
| Erie | $2,747 | $229 |
| USAA | $2,806 | $234 |
2019 Audi A8 insurance cost, on average, is $3,116 per year. The rates range between $142 and $226. The cheapest insurers for the car model are Cincinnati Insurance, Nationwide, and Auto-Owners.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Cincinnati Insurance | $1,705 | $142 |
| Nationwide | $1,829 | $152 |
| Auto-Owners | $1,956 | $163 |
| Country | $2,271 | $189 |
| USAA | $2,359 | $197 |
| Arbella | $2,369 | $197 |
| Progressive | $2,370 | $198 |
| Acuity | $2,389 | $199 |
| Southern Farm Bureau | $2,491 | $208 |
| Erie | $2,502 | $209 |
| Mercury | $2,556 | $213 |
| State Farm | $2,715 | $226 |
Texas Farm Bureau offers the cheapest Audi A8 insurance rate for the 2016 model year. The overall average insurance rate is $2,005. Here are the concise yearly and monthly rates offered by selected car insurance companies for the 2016 Audi A8.
| Cheapest Insurance Companies | Average AnnualCost | Average MonthlyCost |
|---|---|---|
| Texas Farm Bureau | $1,451 | $121 |
| American Family | $1,564 | $130 |
| Tennessee Farmers | $1,735 | $145 |
| 21st Century | $1,826 | $152 |
| Vermont Mutual | $1,957 | $163 |
| Arbella | $2,113 | $176 |
| USAA | $2,157 | $180 |
| Nationwide | $2,163 | $180 |
| Erie | $2,196 | $183 |
| Progressive | $2,238 | $187 |
| Southern Farm Bureau | $2,258 | $188 |
| Plymouth Rock Insurance | $2,293 | $191 |
The average monthly Audi A8 insurance cost for the 2015 model year is $1,937. With an average monthly premium rate of $110, Texas Farm Bureau leads the table of the cheapest insurance companies for A8. Go through the table below for a general overview of the average monthly and yearly cheap Audi A8 car insurance quotes offered by leading insurers.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | $1,319 | $110 |
| Erie | $1,398 | $117 |
| Plymouth Rock Insurance | $1,817 | $151 |
| USAA | $1,901 | $158 |
| Acuity | $1,943 | $162 |
| Tennessee Farmers | $1,979 | $165 |
| Arbella | $2,004 | $167 |
| Country | $2,029 | $169 |
| Vermont Mutual | $2,134 | $178 |
| Nationwide | $2,205 | $184 |
| Progressive | $2,296 | $191 |
| State Farm | $2,303 | $192 |
Texas Farm Bureau offers cheap Audi A8 car insurance quotes for the 2014 model year. The overall yearly average premium for the car model year is $1,683. Generally, the monthly average 2014 Audi A8 insurance cost ranges between $106 and $189.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Texas Farm Bureau | $1,271 | $106 |
| Erie | $1,312 | $109 |
| Plymouth Rock Insurance | $1,735 | $145 |
| Acuity | $1,802 | $150 |
| Arbella | $1,897 | $158 |
| Tennessee Farmers | $1,898 | $158 |
| USAA | $1,900 | $158 |
| Country | $1,950 | $163 |
| Vermont Mutual | $1,953 | $163 |
| Southern Farm Bureau | $2,214 | $185 |
| State Farm | $2,258 | $188 |
| Mercury | $2,268 | $189 |
Though the Audi A8 insurance costs are quite high, you can find cheap premiums rates range between $105 and $194. The cheapest quotes for the car model year are offered by Erie. The average annual insurance cost for A8 is $1,893. Look through some of the cheapest insurance companies for the Audi A8 2013 model year in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $1,262 | $105 |
| Texas Farm Bureau | $1,330 | $111 |
| Plymouth Rock Insurance | $1,675 | $140 |
| USAA | $1,774 | $148 |
| Acuity | $1,868 | $156 |
| Arbella | $1,933 | $161 |
| Tennessee Farmers | $1,939 | $162 |
| Vermont Mutual | $2,016 | $168 |
| Nationwide | $2,054 | $171 |
| Southern Farm Bureau | $2,210 | $184 |
| Mercury | $2,268 | $189 |
| Country | $2,330 | $194 |
The average annual insurance rate for the 2012 Audi A8 is $1,789. With the lowest premium of $101 per month, Erie leads the table of the cheap Audi A8 insurance rates for the 2012 model year.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $1,208 | $101 |
| Texas Farm Bureau | $1,293 | $108 |
| Acuity | $1,514 | $126 |
| USAA | $1,611 | $134 |
| Plymouth Rock Insurance | $1,621 | $135 |
| Vermont Mutual | $1,625 | $135 |
| Tennessee Farmers | $1,708 | $142 |
| Arbella | $1,758 | $147 |
| Southern Farm Bureau | $1,868 | $156 |
| Nationwide | $2,014 | $168 |
| Amica | $2,041 | $170 |
| Country | $2,068 | $172 |
Arbella offers the cheapest insurance rate for the 2011 Audi A8. The average monthly rates range between $86 and $159. The overall average Audi A8 car insurance rate is $1,718.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Arbella | $1,031 | $86 |
| Erie | $1,155 | $96 |
| Texas Farm Bureau | $1,252 | $104 |
| Acuity | $1,331 | $111 |
| Vermont Mutual | $1,400 | $117 |
| USAA | $1,536 | $128 |
| Tennessee Farmers | $1,562 | $130 |
| Plymouth Rock Insurance | $1,596 | $133 |
| Southern Farm Bureau | $1,604 | $134 |
| Amica | $1,751 | $146 |
| Country | $1,866 | $156 |
| Nationwide | $1,912 | $159 |
Audi A8 car insurance costs highly depend on the advanced safety features in the car model. The following safety features in the car can be an integral part of reducing the insurance rate.
As the Audi A8 auto insurance rates depend on many factors, certain factors/practices can bring the car insurance cost down. Let's take a look at certain ways to save your A8 insurance cost.
Leverage Safety Features Discounts: Added to the built-in safety features, the extra features installed will help to reduce your insurance costs. With more safety and security features, the car, passengers, and fellow travelers on the road are more protected. This reduces the chances of risk and liability. Thus, you can save on the Audi A8 insurance costs.
Bundle with Home or Other Vehicles: If you have other insurance, such as home or for other vehicles affiliated with the same insurer, bundle them. Many insurers provide discounted rates for the insured with multiple policies.
Limit Mileage: Use the luxury sedan for pleasure driving instead of the daily commute. With less annual mileage, you can enroll in usage-based insurance. Because of that, with less annual mileage, your car insurance costs also go down.
Maintain Good Credit Score: Good credit scores are a green light for the insurers. It ensures prompt premium payments and fewer claims. With a high insurance and credit score, you are more likely to get lower Audi A8 insurance quotes.
Shop Annually: Most insurers revise the premium rates for respective models annually. Since this involves several variables, including the claims filed for the selected car models, it is best to check cheap Audi A8 insurance rates with multiple car insurance companies.
Find the best Audi A8 car insurance rates by following certain effective methods.
Compare quotes from multiple insurers: Use online platforms such as Way.com to get accurate quotes from 140+ best insurers. Cheap A8 insurance quotes from multiple companies can give you the best overview of the rates charged for each coverage.
Get Trim-Specific Quotes: Instead of getting a general overview of the car model, access the trim and model year-specific rates. This will help you to plan the monthly or yearly car insurance cost accurately.
Request Zip Code-Specific Quotes: The car owner's location is an important factor that influences the Audi A8 car insurance rates. The rates offered by respective insurers change according to the states and ZIP codes. Therefore, apply the right ZIP code filter while requesting cheap Audi A8 auto insurance quotes.
How do you choose the cheapest car insurance company for the Audi A8? Download the Way app and let us help you handle your insurance problems. With the help of Way's insurance experts, switching policies is almost as easy as pressing a button. There are no unwanted phone calls, paperwork, or long wait times.
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The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The average Audi A8 insurance cost is $3,192 per year. This overall average rate can vary according to various factors such as the driver's profile, ZIP code, trim level, etc.
Yes, the Audi A8 belongs to the luxury sedan category, and hence, the insurance cost will be calculated accordingly.
Find the cheapest car insurance quotes for the Audi A8 by comparing the rates among multiple insurers. Either request the quotes individually or use platforms such as Way.com to compare the quotes.
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