Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,280 a year for full coverage insurance. Comprehensive insurance costs around $256 a year, collision costs $392, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance 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 for type of insurance:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The examples above illustrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of using average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Audi A8 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $752
• Raising to $1,000 deductibles will save about $1,132 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,280
• Using low $100 deductibles will cost an extra $282 every year
• At-risk drivers who are prone to accidents and violations could pay at least $2,760 or more
• Policy cost for full coverage for a teen driver can be $4,906

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $4,900 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 $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $430 every year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes 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 Cheaper Audi A8 Insurance

Finding cheaper rates on car insurance consists of having a good driving record, having above-average credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a condensed summary of the data touched on above.

• Policyholders who may need increased levels of liability coverage will pay an extra $520 annually to raise from a 30/60 limit to 250/500 limits
• It is possible to save up to $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $425 each year
• Drivers age 20 and younger are the costliest to insure, possibly costing $409 each month if full coverage is included