Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year for full coverage insurance. Comprehensive insurance costs an estimated $418, collision insurance costs $724, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $3,838 or more. 16-year-old 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:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how location impacts insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $1,002
• Using higher $1,000 deductibles will save approximately $260 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,774
• Buying more expensive low deductibles for physical damage coverage will cost an extra $500 annually
• High-risk insureds with multiple tickets or accidents could pay up to $3,838
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $6,442 or more

View Chart as Image

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

An older driver with no driving violations and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $6,400 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 $1,160 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,390 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $760 annually, while increasing your policy's liability limits will increase premiums. Switching 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 are probably paying $2,100 to $2,800 extra every year, depending on your age. High-risk driver insurance can be from 43% to 133% more than the average rate. View High Risk Driver Rates

How to Find the Best Audi S8 Insurance

Finding cheaper rates on insurance for an Audi S8 requires having a good driving record, having above-average credit, being claim-free, and possibly higher deductibles. Spend time shopping around at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief recap of the primary concepts that were touched on above.

• It is possible to save approximately $220 per year just by shopping early and online
• Drivers considered higher risk who tend to receive serious violations pay on average $2,060 more annually to buy Audi S8 insurance
• Increasing comprehensive and collision deductibles can save around $750 each year
• Drivers age 20 and younger have the highest car insurance rates, possibly costing $537 each month if full coverage is included