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Audi A8 car insurance

Average Audi A8 insurance rates

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According to our estimates, auto insurance for an Audi A8 costs $191 a month — or $2,292 a year. This number is roughly $1,000 higher than the $1,318 national average, but isn’t necessarily the price you’ll pay. The cost of auto insurance varies according to a number of factors including driving history, vehicle, location and more. Filter car insurance companies by your state to get a quote.

A 2017 Audi A8 starts at a base price of $82,500. With the average insurance rate at $2,292 per year, the annual insurance cost–to–base car price ratio is 2.7%.

ModelMonthly insurance rateBase car price
A4 ALL ROAD$132.00$44,000
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How to compare insurance for the Audi A8

In the event of an accident, having the right auto insurance can be a lifesaver. While it may be expensive and overhwhelming to shop for, proper coverage can save you time and money if something were to happen to your vehicle. This makes it essential to find a policy that suits your vehicle and budget. Here are a few factors to consider when comparing auto insurance for an Audi A8.

  • Price. Price may vary between providers, even for policies with similar coverage. Create a sample policy and use that template to compare prices from difference insurers.
  • Deductible. Depending on the provider, your deductible amount may impact the cost of your monthly premiums. Choose an amount that fits your budget and wont break the bank if you need to file a claim.
  • Minimum coverage. Outside of New Hampshire and Virginia, every state has its own amount of mandatory minimum coverage. Make sure this amount is met before purchasing a policy and getting on the road.
  • Additional coverage. Not all providers offer the exact coverage you need. When shopping, make sure to keep an eye out for extended coverage options so that all of your needs are met.
  • Extras. Some providers offer extras like accident forgiveness and vanishing deductibles. If these are a priority for you, make sure to work them into your sample policy before shopping around.
  • Restrictions. Some providers may have coverage restrictions on where you can travel or what your vehicle can be used for. Be sure to clarify with your provider to avoid any gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Some manufacturers have partnerships with insurance providers. Speak with Audi to find out if you’re eligible for any special offers or loyalty programs.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Audi A8?

Every car is different; theft rates and repair costs vary between makes and models and some vehicles are designed to be driven more aggressively than others. Insurance providers calculate rates based on a number of factors, one of which is the risk of paying out claims. Because of this, your type of vehicle, body style, safety features, and many other factors will directly impact your auto insurance rates. Here’s how the Audi A8 weighs in:

  • Body type. The A8 is a four door coupe, designed for daily driving and other casual use. This poses below-average risk of collisions since it likely won’t be driven off-road or at high speeds.
  • Type of car. The A8’s classification as a luxury vehicle may increase the cost of auto insurance since its features may be more expensive to produce, repair or replace.
  • Theft. While the A8 itself isn’t necessarily a frequent target for theft, sedans in general are. This could explain higher auto insurance rates.
  • Repairs. Parts and service for the Audi A8 shouldn’t be too difficult to find. However, luxury vehicles are generally more expensive to repair so this could go either way.
  • Safety ratings. Audi vehicles have a reputation for safety and strong crash test ratings. This and the A8’s many safety features may provide lower auto insurance rates.

How do trim packages and extra build options affect insurance cost?

Insurance providers calculate your premiums based on a number of different variables, many of which involve the performance of your vehicle. Trims, packages, and other options can impact the way you A8 performs, meaning that different build options can affect your insurance rates. Compared to the standard 2018 Audi A8 3.0 TFSI, here’s how trim and packages can affect your cost of insurance.


  • 4.0 TFSI Quattro. The 4.0 Quattro engine adds over 100 horsepower and all wheel drive. While AWD may improve handling, the substantial increase in power may lead to higher premiums.
  • A8 L. The Audi A8 L is Audi’s even more luxurious version of the A8 that features a longer wheelbase and larger engine as standard. While its upgraded technology can help improve driver awareness and visibility, the larger engine and higher price tag will likely raise the cost of auto insurance.

Packages and options

  • Driver assistance package. This package includes a handful of features that may enhance visibility, including cruise control, lane assist and more. Adding it may help reduce your auto insurance rates.
  • LED Headlights & highbeam assistant. This option can help increase visibility, which may lead to better auto insurance rates.
  • Night vision assistant. The night vision assistant package adds a thermal imaging system that displays images of surrounding objects that may be difficult to see otherwise. The improved visibility may translate to lower premiums.
  • Sport package. This package adds a sport differential, performance wheels & tires, dynamic steering and more. The improvement in handling could help you save on auto insurance.
  • Sound system. While this package won’t affect the A8’s performance, the expensive price tag and flashy technology may make the vehicle more expensive to insure.

Audi A8 money-saving safety features

You could save money on car insurance for your Audi A8 if it comes equipped with these safety features.

  • Airbags
  • Daytime running lights
  • Anti-lock brakes
  • Anti-theft device
  • Surround camera system
  • Parking sensors
  • Rear back-up sensors
  • LED fog lights

Does the Audi A8 qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Audi A8:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

How reliable is the Audi A8?

According to U.S. News and J.D. Power, the 2018 Audi A8 holds an above average 3.5/5 star rating for reliability. It’s better than most vehicles in its category, but not extraordinary. While routine maintenance is generally affordable, larger repairs can be expensive for this vehicle.

The Audi A8 was originally released in 1994, leaving plenty of time for Audi to refine this model and sort out any issues. While there have been a number of issues with earlier models, there are very few recalls for modern versions of the A8.

  • 2014: In late 2013, Audi recalled a very limited number of A8 and S8 models due to issues with the sunroof breaking unexpectedly.
  • 2013: Almost 10,000 2013 Audi A8 Quattro vehicles were recalled for issues where coolant could leak into the engine control module to cause a stall or loss of power.
  • 2010-2012: Some 2010, 2011 and 2012 Audi A8 models were also affected by the coolant leak issue.

Despite being in production for over 20 years, there are few common complaints about the Audi A8. Of all models, the 2015 A8 has the most complaints and is considered the worst model due to cost of repairs and average mileage when problems occur. Most issues with the 2015 model have to do with the interior, with some owners reporting rattling and vibration while driving and shaking while braking.

Audi A8 maintenance

The Audi A8 is a luxury vehicle that’s designed for comfort and convenience to provide an enjoyable and hassle-free driving experience. While it doesn’t require a great deal of work to maintain, a routine service schedule can help it last longer and perform as it was intended. Here’s what to expect in terms of oil changes, mileage and other maintenance.

  • Audi recommends an oil change every 10,000 miles or 12 months, whichever comes first. Oil changes can cost between $100 and $200 depending on where you have it services. Dealerships generally charge more, so you may be able to save by bringing it to a private repair shop.
  • According to the 2017 Audi maintenance schedule, your A8 should be brought in for minor maintenance at 10,000 miles and every 20,000 miles after that. Standard maintenance should be done after the first 20,000 miles and every 20,000 after the initial service appointment.
  • The 2017 Audi A8 3.0 TFSI gets an average of 22 miles per gallon, with 19 in the city and 29 on the highway.
  • The 2017 Audi A8 4.0 TFSI Quattro gets an average of 19 miles per gallon, with 16 in the city and 26 on the highway.
  • Audi encourages owners to bring their A8 to a dealer for service, but won’t void your warranty if you bring it elsewhere. However, if your vehicle is part of a recall, you should bring it to an official Audi dealer for repairs.
  • The 2017 Audi A8 comes with a four-year/50,000-mile warranty and four years of 24/7 roadside assistance.

Is an extended warranty worth it for the Audi A8?

The Audi A8 comes with a standard four-year, 50-000 mile warranty which covers most parts and maintenance. However, for added peace of mind, you may want to consider extended coverage by purchasing The Audi Certified Plus Limited warranty. This becomes available once your initial warranty expires and will extend manufacturer coverage for two more years (or up to 50,000 additional miles, to a maximum of 100,000 in total). While the A8 is generally a reliable vehicle and probably won’t be driven aggressively, an extended warranty can provide extra protection or even boost the resale value of your vehicle if you choose to sell it in the future.

How safe is the Audi A8?

Unfortunately, recent A8 models have not yet been rated by the IIHS, NHTSA or other major safety agencies. However, Audi vehicles are generally considered very safe and the A8 comes standard with an assortment of safety and driver convenience features.

About the Audi A8

The Audi A8 was originally released in 1994. It is known as the first car with an aluminum chassis to enter the mass car market. The 2017 model has not been evaluated by the Insurance Institute for Highway Safety or the National Highway Traffic Safety Administration for safety.

Insurance companies determine the insurance cost for an Audi A8 based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on your driving history and location. If you’re considering an Audi A8, grab quotes from several insurance companies to find the lowest premium possible before you commit. Do your research to see if you qualify for insurance discounts.

Compare Audi competitors

Explore Audi’s other vehicles or find out what other manufacturers have to offer.

Bottom line

The Audi A8 is one of Audi’s most luxurious and feature-packed models. Its design offers both comfort and safety on any trip, no matter the distance. This vehicle is generally used as a daily driver or for commuting, which comes with less risk than sports cars or off-road vehicles. However, its price tag and classification as a luxury sedan may lead to higher auto insurance rates. However, your actual costs may vary according to a number of factors, so it’s important to compare your options to find coverage that’s right for you.

Frequently asked questions about the Audi A8

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