Audi A8 Insurance Rates

U.S. average insurance rates for an Audi A8 are $1,338 a year for full coverage insurance. Comprehensive costs an estimated $274, collision costs $428, and liability coverage costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing around $2,892. 16-year-old drivers pay the highest rates at $5,096 a year or more.

Average premium for full coverage: $1,338

Price estimates broken down by individual coverage:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different A8 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $781
• Using higher $1,000 deductibles will save approximately $160 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,338
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,646
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,892 or more
• The price for full coverage for a teenage driver with full coverage can cost as much as $5,096 or more

View Chart as Image

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

An older driver with a clean driving record and high deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age

The state you live in has a huge impact on Audi A8 insurance rates. A driver around age 40 might see prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,810 on average in Florida, New York, and Michigan.

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Opting for high physical damage deductibles could cut prices by as much as $470 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be around 43% to 133% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the 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 Affordable Audi A8 Insurance

Getting lower rates on auto insurance requires being a low-risk driver, maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at least once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief review of the primary concepts that were covered above.

• It is possible to save approximately $160 per year simply by shopping early and online
• Drivers with DUI or reckless driving convictions pay on average $1,550 more annually to insure their A8
• Increasing physical damage deductibles can save around $475 each year
• Teen drivers are charged the highest prices, as much as $425 a month for full coverage