Audi S8 Insurance Rates

Average insurance rates for an Audi S8 are $1,862 a year for full coverage insurance. Comprehensive costs an estimated $452 each year, collision insurance costs $778, and liability coverage costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs around $4,030. Teenage drivers receive the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,862

Rate estimates broken down by individual coverage type:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and S8 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $1,049
• Using higher $1,000 deductibles will save approximately $280 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,862
• Using low deductibles for physical damage coverage will increase the cost to $2,402
• Higher-risk drivers who are prone to accidents and violations could pay up to $4,030
• The cost for full coverage for a teenage driver can cost as much as $6,710 or more

View Chart as Image

Insurance rates for an Audi S8 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,700 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $6,700 a year. View Rates by Age

Where you live has a huge impact on Audi S8 insurance rates. A driver around age 40 might see rates as low as $1,220 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,510 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $820 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $2,200 to $3,000 additional per year, depending on your age. Insurance for high-risk drivers can be around 45% to 132% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Audi S8 Insurance

Saving money on auto insurance requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The items below are a quick review of the coverage data touched on above.

• It is possible to save approximately $230 per year just by quoting online in advance
• Increasing deductibles can save around $825 each year
• Teen drivers are expensive to insure, costing up to $559 per month including comprehensive and collision insurance
• Drivers with a DUI or reckless driving violation pay on average $2,170 more annually to insure their S8