Audi A8 Insurance Rates

Estimated insurance rates for an Audi A8 are $1,280 a year with full coverage. Comprehensive costs approximately $256 each year, collision costs $392, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,760. Teenage drivers pay the most at $4,906 a year or more.

Average premium for full coverage: $1,280

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and A8 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

These rate differences demonstrate why all drivers should compare rates using their specific location, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $752
• Drivers who choose higher $1,000 deductibles will pay $148 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,280
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,562
• High-risk insureds who are prone to accidents and violations could pay around $2,760 or more
• An auto insurance policy that insures a teenage driver can cost $4,906 a year

View Chart as Image

Insurance prices for an Audi A8 also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $430 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, so the prices will be substantially different.

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 Cheap Audi A8 Insurance

Finding better rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and maximizing policy discounts. Compare prices once a year by getting quotes from direct companies, and also from local insurance agencies.

Below is a quick review of the data that was illustrated above.

• You may be able to save around $150 per year simply by quoting online in advance
• Consumers who purchase higher levels of liability will pay an extra $520 every year to go from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are expensive to insure, possibly costing $409 per month if full coverage is included
• Drivers with a DUI or reckless driving violation may have to pay on average $1,480 more per year for auto insurance