Audi S8 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for an Audi S8 are $1,862 annually for full coverage. Comprehensive costs approximately $452 a year, collision costs $778, and liability insurance is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $4,030. Teens pay the highest rates at $6,710 a year or more.
Average premium for full coverage: $1,862
Price estimates by individual coverage:
Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and S8 trim levels.
Price Range from Low to High
For the normal driver, Audi S8 insurance prices go from as cheap as $522 for a discount liability-only rate to a high of $4,030 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects auto insurance prices.
The ranges above show why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying on 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.
Rates by State, City, and Model
The chart below shows estimated Audi S8 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,049
- Raising to $1,000 deductibles will save $1,582 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,862
- Selecting low $100 deductibles will cost $2,402
- Higher-risk drivers with serious driving violations could pay around $4,030 or more
- The price with full coverage for a teen driver can cost $6,710
Auto insurance prices for an Audi S8 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $2,200 to $3,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $820 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Audi S8 insurance rates. A middle-age driver might find prices 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.
| 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices may be quite different between companies.
| 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 Buy the Best Cheap Audi S8 Insurance
Getting lower rates on Audi S8 insurance consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a quick review of the data presented in the illustrations above.
- Drivers who purchase higher levels of liability will pay approximately $520 each year to raise from a low limit to higher 250/500 limits
- Drivers can save around $230 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $825 each year
- Teenage drivers have the highest car insurance prices, with premiums as much as $559 a month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,402 |
| $250 | $2,154 |
| $500 | $1,862 |
| $1,000 | $1,582 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
