Audi A8 Insurance Rates

The average insurance prices for an Audi A8 are $1,280 every 12 months including full coverage. Comprehensive costs an estimated $256, collision costs $392, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance 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 broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all A8 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should compare prices for a targeted area and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $752
• Using higher $1,000 deductibles will save approximately $148 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,280
• Using pricier low deductibles for physical damage coverage increases the price to $1,562
• Drivers who are prone to accidents and violations could pay up to $2,760 or more
• Policy cost to insure a teen driver for full coverage can cost as much as $4,906 or more

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 model year and trim level.

Using high physical damage deductibles could cut rates by as much as $430 every year, whereas buying more liability protection will increase premiums. 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

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged 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 likely paying $1,500 to $2,100 extra every year, depending on your age. Audi A8 insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Audi A8 insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes 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 Shop for the Best Audi A8 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a brief recap of the concepts that were touched on above.

• Higher risk drivers who tend to receive serious violations may have to pay on average $1,480 more annually for car insurance
• Teenagers have the highest car insurance rates, with premiums being up to $409 each month if the policy includes full coverage
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date