Audi A8 Insurance Rates

Estimated 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 policy with only liability insurance costs as low as $522 a year, with a high-risk policy costing around $2,646. Teenage drivers pay the most at $4,740 a year or more.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and A8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

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

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences 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 Charts and Tables

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 40-year-old good driver 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
• An auto insurance policy that insures a teen driver can cost $4,740 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,000 extra annually, 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. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Audi A8 insurance prices. A driver around age 40 might see prices 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 prices by as much as $400 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially 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 the Cheapest Audi A8 Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare prices every couple of years by requesting quotes from direct carriers, and also from insurance agencies where you live.

The list below is a recap of the material that was covered above.

• Policyholders who purchase higher liability limits will pay an extra $520 each year to increase from 30/60 bodily injury limits to the 250/500 level
• Teenagers pay the highest auto insurance prices, as much as $395 per month if full coverage is purchased
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,420 more per year for car insurance
• Increasing policy deductibles can save approximately $400 each year