Audi A8 Insurance Rates

The average insurance prices for an Audi A8 are $1,280 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $256 a year, collision insurance costs $392, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,760 or more. Teen drivers cost the most to insure at up to $4,906 a year.

Average premium for full coverage: $1,280

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and their own driving history, instead of using price averages.

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

Additional Rate Details

The chart below illustrates average Audi A8 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $752
• Drivers who choose higher $1,000 deductibles will pay approximately $1,132 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,280
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $282 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,760
• Policy cost to insure a teen driver can cost as much as $4,906 a year

View Chart as Image

Insurance rates for an Audi A8 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing high deductibles could save up to $430 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than average. View High Risk Driver Rates

Your home state makes a big difference in Audi A8 insurance prices. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

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 Shop for Cheaper Audi A8 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates every year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The points below are a condensed summary of the coverage data covered above.

• It is possible to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $409 each month if full coverage is included
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,480 more annually to insure an Audi A8