Audi A8 Insurance Rates

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

Average premium for full coverage: $1,280

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and A8 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $752
• Using higher $1,000 deductibles will save approximately $148 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,280
• Choosing low deductibles for physical damage coverage will cost an additional $282 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,760 or more
• Policy cost that insures a teen driver can cost as much as $4,906 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on Audi A8 insurance rates. A driver around age 40 might see 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 could cut rates by as much as $430 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied.

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

Finding cheaper rates on Audi A8 insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and maximizing policy discounts. Shop around at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the car insurance concepts presented in the illustrations above.

• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,480 more annually to insure an Audi A8
• It is possible to save approximately $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Drivers who want increased liability limits will pay about $520 annually to increase from a 30/60 limit to the 250/500 level