Audi A8 Insurance Rates

Estimated auto insurance rates for an Audi A8 are $1,338 annually for full coverage. Comprehensive costs around $274, collision costs $428, and liability is estimated at $478. A policy with only liability insurance costs approximately $526 a year, with a high-risk policy costing around $2,892. Teenage drivers pay the most at $5,096 a year or more.

Average premium for full coverage: $1,338

Premium estimates for type of coverage:

Rates are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different A8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $781
• Choosing higher $1,000 deductibles can save about $160 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,338
• Using more expensive low deductibles for comp and collision coverage will cost $1,646
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,892 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can be $5,096 each year

View Chart as Image

Car insurance prices for an Audi A8 also have a wide range based on the model of your A8, your driver profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance ranges from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $470 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Audi A8 insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,910 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially 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 the Best Cheap Audi A8 Insurance

Finding better rates on insurance for an Audi A8 takes not taking risks behind the wheel, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by requesting quotes from direct carriers, and also from local independent and exclusive agents.

The following is a quick review of the information touched on in this article.

• Drivers can save up to $160 per year simply by shopping early and online
• Teens are the costliest to insure, as much as $425 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $475 each year
• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,550 more every year for A8 insurance
• Insureds who may need higher liability limits will pay an extra $530 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits