Audi A8 Insurance Rates

The average insurance prices for an Audi A8 are $1,280 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $256, collision insurance costs $392, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,760 or more. Teens cost the most to insure at up to $4,906 a year.

Average premium for full coverage: $1,280

Policy rates broken down by type of insurance:

Prices include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

The chart below illustrates average Audi A8 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $752
• Choosing higher $1,000 deductibles can save approximately $148 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,280
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $282 a year
• High-risk insureds with serious driving violations could pay up to $2,760
• Policy cost to insure a teen driver with full coverage can cost as much as $4,906 each year

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.

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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 Shop for the Right Audi A8 Insurance

Finding cheaper rates on Audi A8 insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a quick rundown of the data illustrated above.

• Drivers who want higher liability limits will pay approximately $520 annually to raise limits from a 30/60 limit to a 250/500 level
• It is possible to save approximately $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Teens are expensive to insure, possibly costing $409 each month if full coverage is included