Audi A8 Insurance Rates

U.S. average insurance rates for an Audi A8 are $1,280 a year with full coverage. Comprehensive insurance costs approximately $256, collision insurance costs $392, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $2,760 or more. Teens pay the highest rates at up to $4,906 a year.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different A8 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below details average Audi A8 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $752
• Raising to $1,000 deductibles will save $148 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,280
• Selecting more expensive low deductibles will cost an additional $282 a year
• Higher-risk drivers with serious driving violations could pay around $2,760
• The price that insures a teen driver with full coverage can cost $4,906

View Chart as Image

Insurance prices for an Audi A8 are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

The state you live in also has a big influence on Audi A8 insurance rates. A middle-age driver might find prices as low as $920 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $430 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

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 Best Audi A8 Insurance

Getting lower rates on Audi A8 insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at least every other year by obtaining price quotes from direct companies, and also from local insurance agencies.

The following items are a brief recap of the car insurance concepts presented in the illustrations above.

• High-risk drivers who tend to receive serious violations may have to pay on average $1,480 more per year than a driver with a clean driving record
• You may be able to save around $150 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $425 each year
• Drivers who purchase additional liability coverage will pay approximately $520 every year to raise from a low limit to the 250/500 level