Audi A8 Insurance Rates

U.S. average insurance prices for an Audi A8 are $1,338 every 12 months for full coverage. Comprehensive costs an estimated $274, collision costs $428, and liability costs around $478. Buying just liability costs as low as $526 a year, with insurance for high-risk drivers costing around $2,892. Teens 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:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different A8 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. More rural locations have more infrequent accident claims than cities with more traffic congestion.

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

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $781
• Using higher $1,000 deductibles will save approximately $160 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,338
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,646
• Drivers with serious driving violations could pay up to $2,892 or more
• The price to insure a teen driver with full coverage can cost as much as $5,096 or more

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Audi A8 insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,910 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Each insurance company calculates prices differently, and prices may be quite 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 Shop for Cheap Audi A8 Insurance

Getting lower rates on car insurance requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the car insurance concepts touched on in this article.

• Higher risk drivers that tend to have accidents or serious violations pay on average $1,550 more annually to insure their A8
• Drivers can save approximately $160 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $475 each year
• Policyholders who want more liability coverage will pay approximately $530 each year to increase from a low limit to a 250/500 level