Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,280 a year for full coverage insurance. Comprehensive costs an estimated $256 a year, collision insurance costs $392, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,760. Teens 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:

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. 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 large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

The examples above illustrate why it is important to get quotes for a targeted area, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $752
• Choosing higher $1,000 deductibles can save approximately $1,132 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,280
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,562
• Drivers with serious driving violations could pay up to $2,760
• Policy cost that insures a teenage 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 the trim level of your A8, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

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 have to pay at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each 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 Affordable Audi A8 Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and possibly raising deductibles. Compare rates every year by requesting rates from direct insurance companies, and also from local insurance agencies.

Below is a brief review of the coverage data touched on in the above illustrations.

• It is possible to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Teenage drivers are expensive to insure, possibly costing $409 each month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions may have to pay on average $1,480 more annually for auto insurance