Audi A8 Insurance Rates

Average insurance rates for an Audi A8 are $1,338 a year including full coverage. Comprehensive insurance costs an estimated $274, collision costs $428, and liability costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing $2,892 or more. Teenage drivers receive the highest rates at $5,096 a year or more.

Average premium for full coverage: $1,338

Rate estimates broken down by individual coverage type:

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different A8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area, 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 breaks down estimated Audi A8 insurance rates for other coverage scenarios.

• The best discount rate is $781
• Drivers who choose higher $1,000 deductibles will pay approximately $160 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,338
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $308 annually
• Drivers who are prone to accidents and violations could pay up to $2,892 or more
• The cost that insures a 16-year-old driver with full coverage can cost as much as $5,096 a year

View Chart as Image

Car insurance rates for an Audi A8 can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $5,000 a year. View Rates by Age

Where you live makes a big difference in Audi A8 insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,910 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $470 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from multiple companies. Every company uses a different method to calculate rates, so rate quotes can be significantly different.

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

Saving money on insurance for an Audi A8 not only requires being a safe and courteous driver, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,550 more annually for auto insurance
• You may be able to save approximately $160 per year simply by shopping early and online
• Increasing deductibles can save approximately $475 each year
• Insureds who want higher levels of liability will pay an extra $530 per year to go from a minimum limit to the 250/500 level