Audi S8 Insurance Rates

The average auto insurance rates for an Audi S8 are $1,774 annually for full coverage insurance. Comprehensive costs an estimated $418 a year, collision insurance costs $724, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs around $3,838. Teen drivers cost the most to insure at up to $6,442 a year.

Average premium for full coverage: $1,774

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below illustrates average Audi S8 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $1,002
• Raising to $1,000 deductibles will save approximately $1,514 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,774
• Choosing low $100 deductibles will cost $2,274
• Drivers with multiple violations and an at-fault accident could pay up to $3,838
• Policy cost with full coverage for a 16-year-old driver can cost as much as $6,442

View Chart as Image

Auto insurance rates for an Audi S8 also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $6,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $2,100 to $2,800 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $760 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Audi S8 insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,390 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy Cheaper Audi S8 Insurance

Finding cheaper rates on insurance for an Audi S8 consists of not taking risks behind the wheel, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a condensed summary of the data raised in the charts and tables above.

• Insureds who want higher liability limits will pay about $520 annually to raise from a 30/60 limit to higher 250/500 limits
• It is possible to save approximately $220 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $750 each year
• Teens are the costliest to insure, possibly costing $537 each month if full coverage is included