Audi A8 Insurance Rates

U.S. average insurance rates for an Audi A8 are $1,280 a year with full coverage. Comprehensive costs approximately $256 a year, collision insurance costs $392, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $2,760. Teenage drivers pay the highest rates at up to $4,906 a year.

Average premium for full coverage: $1,280

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and A8 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location, instead of using average rates.

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

More Rate Information

The chart below details average Audi A8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $752
• Choosing higher $1,000 deductibles can save $1,132 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,280
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,562
• Unlucky drivers who are prone to accidents and violations could pay around $2,760
• The price that insures a teen driver can cost $4,906 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi A8 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $430 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

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 Low Cost Audi A8 Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every year by requesting rates from direct companies, and also from local insurance agencies.

Below is a review of the coverage data illustrated above.

• You may be able to save around $150 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $425 each year
• Teenage drivers are expensive to insure, costing up to $409 a month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,480 more per year for auto insurance