Audi A8 Insurance Rates

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

Average premium for full coverage: $1,280

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and A8 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why it is important to compare rates for a targeted area, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $752
• Drivers who choose higher $1,000 deductibles will pay approximately $1,132 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,280
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $282 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,760 or more
• The price that insures a teen driver can cost as much as $4,906 a year

View Chart as Image

Auto insurance prices for an Audi A8 are also quite variable based on the trim level of your A8, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Audi A8 insurance prices. 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 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices may be quite 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

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices at every other renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The list below is a quick review of the concepts that were covered above.

• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,480 more annually for car insurance
• Teenagers are the costliest to insure, costing up to $409 a month if the policy includes full coverage
• You may be able to save approximately $150 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $425 each year
• You may be able to save approximately $150 per year simply by quoting early and online