Audi A8 Insurance Rates

Estimated insurance rates for an Audi A8 are $1,338 a year with full coverage. Comprehensive costs an estimated $274 each year, collision costs $428, and liability costs around $478. A liability-only policy costs as low as $526 a year, with high-risk insurance costing around $2,892. Teenage drivers pay the most at $5,096 a year or more.

Average premium for full coverage: $1,338

Premium estimates broken down by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and A8 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects insurance prices.

These rate differences demonstrate why all drivers should compare prices for a targeted area, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details estimated Audi A8 insurance rates for other coverage scenarios.

• The best discount rate is $781
• Using higher $1,000 deductibles will save approximately $160 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,338
• Using low deductibles for physical damage coverage bumps up the cost to $1,646
• High-risk insureds who are prone to accidents and violations could pay up to $2,892 or more
• An auto insurance policy that insures a 16-year-old driver can cost as much as $5,096 or more

View Chart as Image

Auto insurance prices for an Audi A8 also have a wide range based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,000 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 $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,810 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $470 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices 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 Best Cheap Audi A8 Insurance

Finding better rates on insurance for an Audi A8 requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices every year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below is a quick review of the coverage data raised in the charts and tables above.

• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $475 each year
• Teenage drivers are the costliest to insure, possibly costing $425 per month if the policy includes full coverage
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,550 more annually for auto insurance