Audi A8 Insurance Rates

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

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Audi A8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $752
• Raising to $1,000 deductibles will save around $148 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,280
• Using more expensive low deductibles costs an additional $282 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,760 or more
• Policy cost with full coverage for a teenage driver with full coverage may cost $4,906

View Chart as Image

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

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged 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 are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $430 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Audi A8 insurance rates. A middle-age driver might find rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 the Best Audi A8 Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the information illustrated above.

• You may be able to save as much as $150 per year simply by shopping early and online
• Teen drivers are expensive to insure, with premiums being up to $409 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Drivers who tend to receive serious violations pay on average $1,480 more each year to insure their A8
• Consumers who require more liability coverage will pay an extra $520 per year to raise from a 30/60 limit to higher 250/500 limits