Audi A8 Insurance Rates

U.S. average insurance rates for an Audi A8 are $1,230 a year including full coverage. Comprehensive insurance costs around $242 a year, collision costs $356, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,646 or more. Teen drivers pay the highest rates at $4,740 a year or more.

Average premium for full coverage: $1,230

Price estimates for individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and A8 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why it is important to compare prices for a specific zip code and risk profile, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $727
• Using higher $1,000 deductibles will save about $1,094 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,230
• Choosing low $100 deductibles for physical damage coverage will cost an extra $258 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,646 or more
• The price for full coverage for a teen driver can be $4,740 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age

The state you live in has a huge impact on Audi A8 insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,750 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $400 each year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 136% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

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

Getting lower rates on Audi A8 insurance requires being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief review of the car insurance concepts covered above.

• High-risk drivers with DUI or reckless driving convictions pay on average $1,420 more every year to insure their A8
• You may be able to save up to $140 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $400 each year
• Drivers who may need more liability coverage will pay about $520 per year to increase from a low limit to 250/500 limits