Audi A8 Insurance Rates

U.S. average insurance prices for an Audi A8 are $1,338 every 12 months with full coverage. Comprehensive insurance costs an estimated $274, collision costs $428, and liability costs around $478. Buying just liability costs as low as $526 a year, with insurance for high-risk drivers costing $2,892 or more. Teen drivers pay the highest rates at $5,096 a year or more.

Average premium for full coverage: $1,338

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all A8 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas.

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

The ranges above demonstrate why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $781
• Using higher $1,000 deductibles will save approximately $160 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,338
• Choosing pricier low deductibles for physical damage coverage costs an extra $308 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,892 or more
• The price to insure a 16-year-old driver for full coverage can cost as much as $5,096 or more

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Insurance prices for an Audi A8 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $470 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,600 to $2,200 additional each year, depending on your age. Audi A8 insurance for high-risk drivers can be from 43% to 133% more than average. View High Risk Driver Rates

The state you live in 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 as much as $1,810 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite different.

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 Best Cheap Audi A8 Insurance

Getting lower rates on insurance for an Audi A8 requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick review of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,550 more annually to insure their A8
• Teen drivers are expensive to insure, costing up to $425 a month if full coverage is included
• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $475 each year
• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date