Audi A8 Insurance Rates

U.S. average insurance rates for an Audi A8 are $1,280 a year for full coverage. Comprehensive costs approximately $256, collision costs $392, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,760. Teenage drivers pay the highest rates at $4,906 a year or more.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different A8 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below shows estimated Audi A8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $752
• Drivers who choose higher $1,000 deductibles will pay $148 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,280
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,562
• Drivers who are prone to accidents and violations could pay around $2,760 or more
• The price for full coverage for a 16-year-old driver with full coverage can cost $4,906 a year

View Chart as Image

Insurance prices for an Audi A8 are also quite variable based on your driving record, the trim level of your A8, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

The state you live in makes a big difference in Audi A8 insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $430 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Every company uses a different method to calculate prices, and prices may be quite different 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 the Best Cheap Audi A8 Insurance

Getting lower rates on insurance for an Audi A8 not only requires avoiding accidents and claims, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a quick review of the information touched on in this article.

• Drivers can save around $150 per year simply by shopping early and online
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $409 a month including comprehensive and collision insurance
• Increasing physical damage deductibles can save around $425 each year
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,480 more per year to insure an Audi A8
• Insureds who purchase increased liability limits will pay an extra $520 each year to go from a low limit to 250/500 limits