Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,338 a year including full coverage. Comprehensive costs around $274, collision insurance costs $428, and liability is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs around $2,892. Teen drivers cost the most to insure at up to $5,096 a year.

Average premium for full coverage: $1,338

Policy rates for type of insurance:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all A8 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why everyone should compare rates quotes for a specific zip code, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down average Audi A8 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $781
• Raising to $1,000 deductibles will save about $160 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,338
• Choosing pricier low deductibles bumps up the cost to $1,646
• Drivers with multiple violations and an at-fault accident could pay at least $2,892
• Policy cost that insures a 16-year-old driver for full coverage can be $5,096

View Chart as Image

Auto insurance rates for an Audi A8 also range considerably based on the model of your A8, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Audi A8 insurance for high-risk drivers is expensive and can cost from 43% to 133% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

Your home state also has a big influence on Audi A8 insurance prices. A middle-age driver might find rates as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,910 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every 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 Low Cost Audi A8 Insurance

Finding cheaper rates on insurance for an Audi A8 consists of being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every time your policy renews by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a review of the information covered above.

• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Teenage drivers are expensive to insure, with premiums being up to $425 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,550 more every year for auto insurance
• Insureds who may need higher levels of liability will pay about $530 per year to raise from a 30/60 limit to the 250/500 level