Audi S8 Insurance Rates
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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
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Average insurance rates for an Audi S8 are $1,862 a year for full coverage insurance. Comprehensive costs on average $452 a year, collision costs $778, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $4,030. Teens receive the highest rates at $6,710 a year or more.
Average premium for full coverage: $1,862
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and S8 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $522 for minimum levels of liability insurance to a high of $4,030 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why it is important to compare prices based on a specific location and risk profile, 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.
Additional Rate Details
The chart below illustrates estimated Audi S8 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,049
- Using higher $1,000 deductibles will save around $1,582 each year
- The average rate for a 40-year-old driver with $500 deductibles is $1,862
- Selecting low $100 deductibles for physical damage coverage will increase the cost to $2,402
- Drivers with serious driving violations could pay upwards of $4,030 or more
- The cost for full coverage for a teen driver may cost $6,710 or more
Car insurance rates for an Audi S8 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
Older drivers with no driving violations and high deductibles could pay as little as $1,700 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $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 Vermont, Wisconsin, and North Carolina, or have to pay at least $2,510 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $2,200 to $3,000 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.
| 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 Find Cheaper Audi S8 Insurance
Saving money on Audi S8 insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
Below is a condensed summary of the data covered above.
- Drivers who require higher levels of liability will pay approximately $520 annually to increase from a minimum limit to 250/500 limits
- It is possible to save as much as $230 per year simply by quoting early and online
- Increasing deductibles can save around $825 each year
- Teenage drivers are expensive to insure, costing up to $559 per 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.
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