Audi A8 Insurance Rates
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UPDATED: Feb 28, 2020
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Average auto insurance rates for an Audi A8 are $1,180 annually for full coverage. Comprehensive insurance costs around $234 each year, collision insurance costs $320, and liability is $468. Buying just liability costs around $518 a year, and insurance for high-risk drivers costs $2,536 or more. Teens receive the highest rates at up to $4,570 a year.
Average premium for full coverage: $1,180
Rate estimates for individual coverage type:
Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and A8 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $518 for your basic liability-only policy to a high rate of $2,536 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.
These examples show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows average Audi A8 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $702
- Raising to $1,000 deductibles will save about $126 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,180
- Selecting low deductibles costs an additional $238 annually
- Drivers with serious driving violations could pay at least $2,536
- The cost with full coverage for a 16-year-old driver can be $4,570
Auto insurance rates for an Audi A8 can also vary considerably based on the trim level of your A8, your driver profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $370 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Audi A8 insurance prices. A middle-age driver might find rates as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,690 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Audi A8 4.2 Quattro 4-Dr Sedan||$1,160||$97|
|Audi A8 4.2L Quattro 4-Dr Sedan||$1,180||$98|
Rates assume 2007 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2007 Audi A8||$234||$320||$468||$1,180|
Rates are averaged for all Audi A8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Audi A8 Insurance
Saving money on insurance for an Audi A8 consists of being a good driver, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a quick review of the material that was covered in the charts and tables above.
- Insureds who may need an increased level of liability coverage will pay approximately $520 each year to raise from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, costing as high as $381 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,360 more every year than a safer driver
- Increasing deductibles could save up to $375 each year
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$77|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.