Audi A8 Insurance Rates

The average insurance rates for an Audi A8 are $1,230 a year for full coverage insurance. Comprehensive insurance costs an estimated $242 a year, collision costs $356, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,646 or more. Teens cost the most to insure at $4,740 a year or more.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. 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 lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $727
• Drivers who choose higher $1,000 deductibles will pay approximately $1,094 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,230
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $258 every year
• Higher-risk drivers with serious driving violations could pay up to $2,646 or more
• Policy cost that insures a teen driver can cost as much as $4,740 a year

View Chart as Image

Insurance rates for an Audi A8 also range considerably based on the trim level of your A8, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 136% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Your home state makes a big difference in Audi A8 insurance prices. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,660 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $400 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company calculates rates differently, and 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 Affordable Audi A8 Insurance

Finding cheaper rates on car insurance not only requires having a good driving record, but also having a good credit score, being claim-free, and maximizing policy discounts. Compare rates once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

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

• It is possible to save approximately $140 per year simply by quoting early and online
• Policyholders who want increased levels of liability coverage will pay approximately $520 annually to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, possibly costing $395 each month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions may have to pay on average $1,420 more annually to buy Audi A8 insurance