Audi A8 Insurance Rates

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

Average premium for full coverage: $1,338

Policy rates broken down by type of insurance:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 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 car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The example below illustrates how location impacts insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below details estimated Audi A8 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $781
• Raising to $1,000 deductibles will save approximately $160 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,338
• Choosing pricier low deductibles will increase the cost to $1,646
• Drivers with multiple violations and an at-fault accident could pay up to $2,892 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,096

View Chart as Image

Auto 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.

A more mature driver with a good driving record and high 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, where even good drivers will have to pay at least $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 $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,810 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 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 $1,600 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

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, and quoted 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 insurance for an Audi A8 consists of not taking risks behind the wheel, having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a brief summary of the information touched on above.

• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Teens are the costliest to insure, as much as $425 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,550 more annually for A8 insurance
• Insureds who want higher liability limits will pay about $530 every year to raise from a 30/60 limit to 250/500 limits