Audi A8 Insurance Rates

Average insurance rates for an Audi A8 are $1,280 a year with full coverage. Comprehensive costs approximately $256 each year, collision costs $392, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, with coverage for high-risk drivers costing around $2,760. Teen drivers receive the highest rates at $4,906 a year or more.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and A8 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why all drivers should compare prices using their specific location, rather than relying on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $752
• Using higher $1,000 deductibles will save $148 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,280
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,562
• Drivers with multiple violations and an at-fault accident could pay around $2,760 or more
• The cost that insures a teen driver can cost $4,906 or more

View Chart as Image

Insurance rates for an Audi A8 can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

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

Where you live has a huge impact on Audi A8 insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,730 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $430 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and rates can be significantly different.

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

Saving money on Audi A8 insurance requires avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a brief summary of the car insurance concepts covered in the above illustrations.

• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,480 more per year for car insurance
• You may be able to save around $150 per year simply by quoting online in advance
• Increasing deductibles can save approximately $425 each year
• Drivers who purchase higher liability limits will pay about $520 every year to increase from a minimum limit to the 250/500 level