Audi S8 Insurance Rates

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

Average premium for full coverage: $1,774

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and S8 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location impacts car insurance rates.

The ranges above show why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below shows average Audi S8 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $1,002
• Choosing higher $1,000 deductibles can save around $260 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,774
• Selecting low deductibles for comp and collision coverage will cost an extra $500 annually
• Higher-risk drivers with serious driving violations could pay upwards of $3,838
• The price for full coverage for a 16-year-old driver may cost $6,442 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $6,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay as low as $1,170 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $760 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $2,100 to $2,800 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Audi S8 Insurance

Getting lower rates on insurance for an Audi S8 takes avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every year by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

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

• Drivers can save as much as $220 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $750 each year
• Drivers under the age of 20 pay higher prices, with premiums as much as $537 a month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation will pay on average $2,060 more each year to insure an Audi S8