Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,280 a year for full coverage insurance. Comprehensive insurance costs approximately $256 a year, collision insurance costs $392, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,760 or more. 16-year-old drivers cost the most to insure at up to $4,906 a year.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $752
• Choosing higher $1,000 deductibles can save $1,132 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,280
• Buying low $100 deductibles for comp and collision coverage will cost an additional $282 a year
• High-risk insureds with multiple tickets or accidents could pay around $2,760
• Policy cost that insures a teen driver can cost $4,906 each year

View Chart as Image

Insurance rates for an Audi A8 also range considerably based on the trim level of your A8, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $430 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each 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

Finding cheaper rates on Audi A8 insurance takes being a low-risk driver, having a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop every other policy renewal by getting quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a review of the ideas that were covered in the charts and tables above.

• Teen drivers are the costliest to insure, possibly costing $409 each month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,480 more per year to insure their A8
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• It is possible to save around $150 per year just by quoting early and online