Audi A8 Insurance Rates

The average insurance prices for an Audi A8 are $1,280 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $256 a year, collision insurance costs $392, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers 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 broken down by type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why it is important to get quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Rate Details

The chart below illustrates average Audi A8 insurance rates for other coverage scenarios.

• The best discount rate is $752
• Choosing higher $1,000 deductibles can save approximately $1,132 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,280
• Using low $100 deductibles for comp and collision coverage costs an extra $282 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,760
• Policy cost to insure a teen driver can cost as much as $4,906 each year

View Chart as Image

Insurance rates for an Audi A8 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $430 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,730 on average in Florida, New York, and Michigan.

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 Shop for the Best Cheap Audi A8 Insurance

Finding cheaper rates on Audi A8 insurance takes being a good driver, having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around every other policy renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The following list is a quick review of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are charged the highest rates, possibly costing $409 each month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,480 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• It is possible to save approximately $150 per year just by quoting early and online