Audi A8 Insurance Rates

The average auto insurance rates for an Audi A8 are $1,280 annually with full coverage. Comprehensive insurance costs on average $256, collision insurance costs $392, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,760 or more. Teenage drivers cost the most to insure at up to $4,906 a year.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates 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 details average Audi A8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $752
• Drivers who choose higher $1,000 deductibles will pay around $148 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,280
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $282 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,760
• Policy cost with full coverage for a teen driver with full coverage may cost $4,906 a year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $430 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Audi A8 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

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 Cheaper Audi A8 Insurance

Finding cheaper rates on Audi A8 insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a condensed summary of the information covered above.

• You may be able to save as much as $150 per year just by shopping early and online
• Teenagers pay higher rates, as much as $409 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $425 each year
• High-risk drivers with multiple at-fault accidents pay an average of $1,480 more each year for car insurance
• Drivers who require higher liability limits will pay an extra $520 every year to go from a 30/60 limit to higher 250/500 limits