Audi A8 Insurance Rates

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

Average premium for full coverage: $1,280

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and A8 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how your location can change insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $752
• Raising to $1,000 deductibles will save approximately $148 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,280
• Choosing low deductibles costs an extra $282 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,760
• Policy cost to insure a teenage driver can cost as much as $4,906

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

Choosing high deductibles can reduce rates by up to $430 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $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 probably paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates

Your home state also has a big influence on Audi A8 insurance rates. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

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 Cheaper Audi A8 Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a condensed summary of the information illustrated above.

• It is possible to save approximately $150 per year just by quoting online in advance
• Drivers age 16 to 20 are expensive to insure, possibly costing $409 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers with multiple at-fault accidents could be forced to pay on average $1,480 more annually than a safer driver
• Consumers who want an increased level of liability coverage will pay about $520 annually to raise from a 30/60 limit to a 250/500 level