Audi A8 Insurance Rates

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

Average premium for full coverage: $1,338

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all A8 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas.

The example below illustrates how location impacts auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location and their own driving history, instead of using price averages.

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

Additional Rate Information

The chart below details estimated Audi A8 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $781
• Choosing higher $1,000 deductibles can save $160 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,338
• Choosing pricier low deductibles for comp and collision coverage costs an extra $308 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,892 or more
• Policy cost to insure a teen driver for full coverage can cost $5,096 each year

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Auto insurance rates for an Audi A8 also range considerably based on liability limits and deductibles, your driving record, and the model of your A8.

Choosing high deductibles can save as much as $470 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $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 may be forking out anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Audi A8 insurance for high-risk drivers ranges as much as 43% to 133% more than average. 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 $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,810 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 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 the Right Audi A8 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around at least every other year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The list below is a quick rundown of the car insurance concepts touched on above.

• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,550 more per year for car insurance
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Policyholders who purchase higher liability limits will pay about $530 every year to raise limits from a 30/60 limit to a 250/500 level