Audi A8 Insurance Rates

U.S. average insurance rates for an Audi A8 are $1,338 a year for full coverage insurance. Comprehensive costs an estimated $274, collision insurance costs $428, and liability insurance costs $478. Buying just liability costs as little as $526 a year, and insurance for high-risk drivers costs around $2,892. Teen drivers pay the highest rates at up to $5,096 a year.

Average premium for full coverage: $1,338

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all A8 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The example below illustrates the difference location can make on insurance prices.

The ranges above illustrate why everyone should compare rates for a targeted area, rather than relying on price averages.

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

Additional Rate Information

The chart below illustrates average Audi A8 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $781
• Drivers who choose higher $1,000 deductibles will pay approximately $160 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,338
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,646
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,892
• The price that insures a teen driver for full coverage can cost as much as $5,096 a year

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Insurance prices for an Audi A8 are also quite variable based on the model of your A8, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,600 to $2,200 additional each year, depending on your age. Audi A8 insurance for high-risk drivers can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age

The state you live in makes a big difference in Audi A8 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,810 on average in Florida, New York, and Michigan.

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Choosing high deductibles could save up to $470 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more each 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 Cheap Audi A8 Insurance

Getting lower rates on Audi A8 insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and possibly raising deductibles. Shop around every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief summary of the ideas that were touched on in this article.

• Drivers age 16 to 20 are expensive to insure, as much as $425 a month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,550 more annually than a safer driver
• Increasing physical damage deductibles can save approximately $475 each year
• It is possible to save approximately $160 per year just by quoting online well ahead of the renewal date