Audi A8 Insurance Rates

The average insurance prices for an Audi A8 are $1,280 every 12 months including full coverage. Comprehensive insurance costs on average $256 each year, collision insurance costs $392, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,760 or more. Teenage drivers cost the most to insure at up to $4,906 a year.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and A8 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

The chart below breaks down average Audi A8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $752
• Choosing higher $1,000 deductibles can save around $148 every year
• The average price for a good driver age 40 with $500 deductibles is $1,280
• Using low deductibles for comp and collision coverage costs an extra $282 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,760
• Policy cost to insure a teen driver may cost $4,906 each year

View Chart as Image

Car insurance rates for an Audi A8 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your A8.

Using high physical damage deductibles can save as much as $430 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for Affordable Audi A8 Insurance

Finding cheaper rates on Audi A8 insurance takes avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The list below is a brief review of the material that was covered in the charts and tables above.

• Drivers who require higher liability limits will pay an extra $520 per year to raise limits from a 30/60 limit to a 250/500 level
• Teenagers are expensive to insure, with premiums being up to $409 each month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,480 more each year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $425 each year