Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,338 a year including full coverage. Comprehensive insurance costs around $274, collision costs $428, and liability costs $478. Buying just liability costs as little as $526 a year, with insurance for high-risk drivers costing $2,892 or more. Teenage drivers cost the most to insure at $5,096 a year or more.

Average premium for full coverage: $1,338

Policy rates for type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all A8 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance rates.

The examples above highlight why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Audi A8 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $781
• Drivers who choose higher $1,000 deductibles will pay about $160 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,338
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $308 annually
• Drivers who are prone to accidents and violations could pay at least $2,892 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $5,096 a year

View Chart as Image

Insurance rates for an Audi A8 also range considerably based on your risk profile, the model of your A8, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

Your home state 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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,910 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $470 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. Audi A8 insurance for high-risk drivers can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied 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 the Right Audi A8 Insurance

Finding cheaper rates on insurance for an Audi A8 not only requires being a good driver, but also maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,550 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers age 16 to 20 pay higher rates, with premiums being up to $425 each month for full coverage