Audi A8 Insurance Rates

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

Average premium for full coverage: $1,338

Policy rates by type of insurance:

Estimates include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all A8 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

The examples above show why everyone should compare prices using their specific location, instead of making a decision based on averaged prices.

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 cheapest rate after discounts is $781
• Using higher $1,000 deductibles will save $160 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,338
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,646
• High-risk insureds with serious driving violations could pay around $2,892 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $5,096 or more

View Chart as Image

Insurance rates for an Audi A8 also range considerably based on the model 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 $1,600 to $2,200 extra every year, depending on your age. Audi A8 insurance for high-risk drivers can be from 43% to 133% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 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 $880 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,910 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more per year. 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 regularly compare rates from multiple companies. Each insurance company calculates rates differently, so the rates 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 Low Cost Audi A8 Insurance

Finding cheaper rates on insurance for an Audi A8 requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The next list is a review of the data that was touched on above.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Insureds who purchase increased levels of liability coverage will pay approximately $530 each year to increase from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $425 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,550 more per year to buy Audi A8 insurance