Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,280 a year for full coverage insurance. Comprehensive costs approximately $256 a year, collision costs $392, and liability insurance is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,760. Teen drivers cost the most to insure at $4,906 a year or more.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates estimated Audi A8 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $752
• Raising to $1,000 deductibles will save $1,132 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,280
• Choosing low $100 deductibles will increase the cost to $1,562
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,760 or more
• Policy cost for full coverage for a teen driver can cost $4,906

View Chart as Image

Insurance rates for an Audi A8 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state also has a big influence on Audi A8 insurance rates. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $430 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Audi A8 Insurance

Finding cheaper rates on Audi A8 insurance consists of having a decent driving record, maintaining good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief recap of the coverage data covered above.

• It is possible to save around $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $425 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $409 each month for full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,480 more per year than a driver with a clean driving record