Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,280 a year with full coverage. Comprehensive costs approximately $256 each year, collision costs $392, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,760. Teenage drivers cost the most to insure at $4,906 a year or more.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/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 large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why all drivers should compare rates using their specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below details estimated Audi A8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $752
• Drivers who choose higher $1,000 deductibles will pay $148 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,280
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,562
• High-risk insureds who are prone to accidents and violations could pay around $2,760 or more
• Policy cost that insures a teenage driver can cost $4,906 a year

View Chart as Image

Insurance rates for an Audi A8 also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

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

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $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 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices once a year by getting quotes from direct companies, and also from local insurance agencies.

Below is a brief summary of the data that was covered in the charts and tables above.

• You may be able to save around $150 per year simply by quoting online in advance
• Consumers who purchase higher levels of liability will pay an extra $520 every year to go from a 30/60 limit to the 250/500 level
• Teenage drivers are expensive to insure, as much as $409 each month if full coverage is included
• Drivers that tend to have accidents or serious violations may have to pay on average $1,480 more per year for auto insurance