Audi A8 Insurance Rates

The average insurance prices for an Audi A8 are $1,338 every 12 months including full coverage. Comprehensive insurance costs around $274, collision costs $428, and liability is estimated at $478. A liability-only policy costs approximately $526 a year, with high-risk insurance costing $2,892 or more. 16-year-old drivers cost the most to insure at $5,096 a year or more.

Average premium for full coverage: $1,338

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different A8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below breaks down estimated Audi A8 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $781
• Choosing higher $1,000 deductibles can save about $160 every year
• The average price for a good driver age 40 using $500 deductibles is $1,338
• Buying more expensive low deductibles for comp and collision coverage costs an extra $308 annually
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,892 or more
• Policy cost to insure a 16-year-old driver with full coverage can be $5,096 each year

View Chart as Image

Car insurance rates for an Audi A8 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $470 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $5,000 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 likely paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 133% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi A8 insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,910 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes 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 Shop for Cheaper Audi A8 Insurance

Finding cheaper rates on insurance for an Audi A8 takes avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The points below are a condensed summary of the primary concepts that were covered above.

• You may be able to save up to $160 per year simply by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,550 more every year to insure an Audi A8
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $425 each month if the policy includes full coverage