Audi S8 Insurance Rates

U.S. average insurance rates for an Audi S8 are $1,774 a year for full coverage insurance. Comprehensive costs an estimated $418 a year, collision insurance costs $724, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $3,838. Teen drivers pay the highest rates at up to $6,442 a year.

Average premium for full coverage: $1,774

Price estimates broken down by individual coverage:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and S8 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area, instead of using price averages.

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

Rate Comparisons

The chart below illustrates average 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 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,774
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,274
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,838
• The price that insures a teen driver can cost as much as $6,442 a year

View Chart as Image

Insurance prices for an Audi S8 are also quite variable based on the trim level of your S8, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $2,100 to $2,800 additional each 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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $6,400 a year. View Rates by Age

The state you live in makes a big difference in Audi S8 insurance prices. A 40-year-old driver could pay 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

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

How to Find Cheap Audi S8 Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and possibly raising deductibles. Shop around every couple of years by requesting rates from direct insurance companies, and also from local insurance agencies.

The items below are a brief summary of the material that was presented in the illustrations above.

• Policyholders who want more liability coverage will pay about $520 annually to go from a low limit to the 250/500 level
• Teen drivers are expensive to insure, as much as $537 a month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $2,060 more annually to insure their S8
• Increasing physical damage deductibles can save approximately $750 each year