Audi A8 Insurance Rates

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

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and A8 models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Audi A8 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $752
• Using higher $1,000 deductibles will save around $148 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,280
• Selecting low deductibles for physical damage coverage will increase the cost to $1,562
• Higher-risk drivers with serious driving violations could pay upwards of $2,760 or more
• The price for full coverage for a teenage driver may cost $4,906 or more

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,900 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 $920 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,730 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $430 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, 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 safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

Below you'll find a brief review of the information covered in the above illustrations.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Youthful drivers pay the highest prices, costing up to $409 a month for full coverage
• Increasing physical damage deductibles can save around $425 each year
• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,480 more each year than a low-risk driver
• Consumers who require more liability protection will pay approximately $520 every year to increase from a low limit to 250/500 limits