Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,230 a year for full coverage. Comprehensive costs approximately $242 a year, collision costs $356, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,646. Teenage drivers cost the most to insure at $4,740 a year or more.

Average premium for full coverage: $1,230

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The examples above show why it is important to compare prices using their specific location, instead of using average rates.

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

Additional Rate Analysis

The chart below shows estimated Audi A8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $727
• Using higher $1,000 deductibles will save $1,094 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,230
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,488
• Drivers who are prone to accidents and violations could pay around $2,646 or more
• Policy cost that insures a teen driver can cost $4,740 or more

View Chart as Image

Car insurance rates for an Audi A8 also range considerably based on the trim level of your A8, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

Your home state has a huge impact on Audi A8 insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $400 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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 Cheap Audi A8 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare prices every time your policy renews by requesting quotes from direct carriers, and also from insurance agencies where you live.

The points below are a brief summary of the information touched on above.

• Drivers can save around $140 per year simply by quoting early and online
• Drivers under the age of 20 pay the highest auto insurance rates, costing up to $395 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,420 more per year to insure an Audi A8
• Policyholders who purchase increased liability limits will pay an extra $520 each year to increase from a 30/60 limit to the 250/500 level