Audi S8 Insurance Rates

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

Average premium for full coverage: $1,774

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

The chart below details estimated Audi S8 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $1,002
• Drivers who choose higher $1,000 deductibles will pay approximately $1,514 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,774
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $500 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,838 or more
• Policy cost with full coverage for a teen driver can cost as much as $6,442 a year

View Chart as Image

Insurance rates for an Audi S8 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared 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 may be forking out $2,100 to $2,800 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $760 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Audi S8 insurance prices. A 40-year-old driver could pay as low as $1,280 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,390 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and rates will be varied between companies.

How to Buy Cheap Audi S8 Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the information illustrated above.

• You may be able to save approximately $220 per year simply by quoting early and online
• Drivers age 16 to 20 are expensive to insure, as much as $537 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $750 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $2,060 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay about $520 every year to go from a 30/60 limit to higher 250/500 limits