Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,280 a year with full coverage. Comprehensive insurance costs an estimated $256 each year, collision costs $392, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers 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 broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and A8 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The examples above demonstrate why all drivers should compare rates for a targeted area and risk profile, rather than relying on 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 $148 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,280
• Using low deductibles for comprehensive and collision insurance will cost an extra $282 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,760 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,906 a year

View Chart as Image

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

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

Your home state makes a big difference in Audi A8 insurance rates. 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 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.

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 Cheap Audi A8 Insurance

Finding cheaper rates on Audi A8 insurance not only requires avoiding accidents and claims, but also maintaining good credit, not filing small claims, and taking advantage of discounts. Spend time shopping around at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief summary of the car insurance concepts touched on above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,480 more annually to insure an Audi A8
• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers who want increased liability limits will pay an extra $520 every year to go from a 30/60 limit to 250/500 limits