Audi S8 Insurance Rates

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Cheaper 2013 Audi S8 Car Insurance Quotes in 2025

Overpriced insurance can eat up your funds and make it tough to pay other bills. Consumers have so many insurers to purchase coverage from, and although it's a good thing to have a choice, more choices can make it harder to compare company pricing. Smart consumers take time to get comparison quotes before your policy renews because rates go up and down regularly. Even if you think you had the be...

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UPDATED: Apr 12, 2024

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The average insurance rates for an Audi S8 are $1,862 a year for full coverage. Comprehensive costs approximately $452, collision costs $778, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $4,030. Teens cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,862

Policy rates by type of insurance:

Comprehensive $452
Collision $778
Liability $474

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all S8 models.

Price Range Variability

For the average 40-year-old driver, Audi S8 insurance rates go from as low as $522 for the bare minimum liability coverage to the much higher price of $4,030 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,862
High Risk $4,030

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,397
Small Cities $1,955
Large Cities $2,514

The examples above show why everyone should compare prices using their specific location and risk profile, instead of using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below shows estimated Audi S8 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $1,049
  • Using higher $1,000 deductibles will save $280 a year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,862
  • Selecting pricier low deductibles for physical damage coverage will increase the cost to $2,402
  • Drivers with serious driving violations could pay around $4,030 or more
  • Policy cost for full coverage for a teen driver for full coverage can cost $6,710 or more

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance rates range from $1,049 to $6,710

Car insurance rates for an Audi S8 also range considerably based on your risk profile, the trim level of your S8, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $6,700 a year. View Rates by Age

Your home state has a huge impact on Audi S8 insurance prices. A driver around age 40 might see rates as low as $1,230 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,660 on average in New York, Louisiana, and Michigan.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,684 -$178 -9.6%
Alaska $1,428 -$434 -23.3%
Arizona $1,544 -$318 -17.1%
Arkansas $1,862 -$0 0.0%
California $2,122 $260 14.0%
Colorado $1,778 -$84 -4.5%
Connecticut $1,914 $52 2.8%
Delaware $2,108 $246 13.2%
Florida $2,330 $468 25.1%
Georgia $1,718 -$144 -7.7%
Hawaii $1,338 -$524 -28.1%
Idaho $1,260 -$602 -32.3%
Illinois $1,386 -$476 -25.6%
Indiana $1,402 -$460 -24.7%
Iowa $1,256 -$606 -32.5%
Kansas $1,770 -$92 -4.9%
Kentucky $2,540 $678 36.4%
Louisiana $2,756 $894 48.0%
Maine $1,148 -$714 -38.3%
Maryland $1,534 -$328 -17.6%
Massachusetts $1,488 -$374 -20.1%
Michigan $3,234 $1,372 73.7%
Minnesota $1,558 -$304 -16.3%
Mississippi $2,228 $366 19.7%
Missouri $1,652 -$210 -11.3%
Montana $1,998 $136 7.3%
Nebraska $1,468 -$394 -21.2%
Nevada $2,234 $372 20.0%
New Hampshire $1,342 -$520 -27.9%
New Jersey $2,080 $218 11.7%
New Mexico $1,650 -$212 -11.4%
New York $1,962 $100 5.4%
North Carolina $1,072 -$790 -42.4%
North Dakota $1,526 -$336 -18.0%
Ohio $1,286 -$576 -30.9%
Oklahoma $1,914 $52 2.8%
Oregon $1,706 -$156 -8.4%
Pennsylvania $1,776 -$86 -4.6%
Rhode Island $2,482 $620 33.3%
South Carolina $1,686 -$176 -9.5%
South Dakota $1,572 -$290 -15.6%
Tennessee $1,630 -$232 -12.5%
Texas $2,244 $382 20.5%
Utah $1,378 -$484 -26.0%
Vermont $1,274 -$588 -31.6%
Virginia $1,114 -$748 -40.2%
Washington $1,440 -$422 -22.7%
West Virginia $1,706 -$156 -8.4%
Wisconsin $1,288 -$574 -30.8%
Wyoming $1,660 -$202 -10.8%

View Chart as Image

Audi S8 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $2,200 to $3,000 extra every year, depending on your age. Audi S8 insurance for high-risk drivers can be as much as 45% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, so rate quotes will be varied from one company to the next.

Audi S8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S8 $686 $1,380 $390 $2,614
2023 Audi S8 $658 $1,368 $398 $2,582
2022 Audi S8 $636 $1,336 $416 $2,546
2021 Audi S8 $612 $1,280 $430 $2,480
2020 Audi S8 $580 $1,236 $442 $2,416
2019 Audi S8 $558 $1,146 $452 $2,314
2018 Audi S8 $534 $1,080 $456 $2,228
2017 Audi S8 $512 $968 $460 $2,098
2016 Audi S8 $480 $890 $460 $1,988
2015 Audi S8 $462 $834 $464 $1,918
2014 Audi S8 $452 $778 $474 $1,862
2013 Audi S8 $418 $724 $474 $1,774
2007 Audi S8 $334 $456 $452 $1,400

Rates are averaged for all Audi S8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Audi S8 Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a review of the concepts that were touched on in this article.

  • Higher risk drivers who have several accidents or serious violations may pay on average $2,170 more per year for S8 insurance
  • Teens pay the highest auto insurance rates, costing up to $559 each month if full coverage is included
  • Drivers can save around $230 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save around $825 each year
  • Drivers can save around $230 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $6,710
20 $4,268
30 $1,956
40 $1,862
50 $1,694
60 $1,662

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,402
$250 $2,154
$500 $1,862
$1,000 $1,582

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,862
50/100 $1,957
100/300 $2,075
250/500 $2,383
100 CSL $2,004
300 CSL $2,265
500 CSL $2,455

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $9,636
20 $6,806
30 $4,134
40 $4,030
50 $3,840
60 $3,804

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $262

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $102
Multi-vehicle $97
Homeowner $27
5-yr Accident Free $143
5-yr Claim Free $123
Paid in Full/EFT $90
Advance Quote $95
Online Quote $136
Total Discounts $813
Rate after discounts $1,049

Discounts are estimated and may not be available from every company or in every state.

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