Audi A8 Insurance Rates

U.S. average insurance rates for an Audi A8 are $1,338 a year for full coverage insurance. Comprehensive insurance costs around $274 a year, collision costs $428, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing $2,892 or more. Teenage drivers pay the highest rates at $5,096 a year or more.

Average premium for full coverage: $1,338

Price estimates for individual coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and A8 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Audi A8 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $781
• Using higher $1,000 deductibles will save about $1,178 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,338
• Using low $100 deductibles for physical damage coverage will cost an extra $308 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,892 or more
• The price for full coverage for a 16-year-old driver can be $5,096 or more

View Chart as Image

Insurance prices for an Audi A8 are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

The state you live in has a huge impact on Audi A8 insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,810 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $470 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, so the prices may be quite different 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 Right Audi A8 Insurance

Getting lower rates on insurance for an Audi A8 requires being a good driver, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around at least every other year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a quick rundown of the car insurance concepts touched on above.

• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,550 more every year than a safer driver
• It is possible to save up to $160 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $475 each year
• Insureds who may need an increased level of liability coverage will pay an extra $530 annually to increase from a low limit to 250/500 limits