Audi A8 Insurance Rates

U.S. average auto insurance rates for an Audi A8 are $1,280 annually including full coverage. Comprehensive costs on average $256, collision costs $392, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,760. Teenage drivers pay the highest rates at $4,906 a year or more.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all A8 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

The ranges above highlight why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down estimated Audi A8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $752
• Choosing higher $1,000 deductibles can save around $148 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,280
• Using pricier low deductibles for comp and collision coverage will cost $1,562
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,760 or more
• The price with full coverage for a teen driver for full coverage may cost $4,906 each year

View Chart as Image

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

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. Audi A8 insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $430 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Buy Affordable Audi A8 Insurance

Getting lower rates on Audi A8 insurance takes being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Spend time shopping around at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the car insurance concepts touched on above.

• High-risk drivers with DUI or reckless driving convictions pay on average $1,480 more each year for auto insurance
• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $425 each year
• Drivers who require higher levels of liability will pay an extra $520 per year to raise limits from a low limit to higher 250/500 limits