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...
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UPDATED: Apr 12, 2024
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U.S. average insurance rates for an Audi S8 are $1,774 a year including full coverage. Comprehensive costs on average $418, collision costs $724, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $3,838. Teen drivers pay the highest rates at $6,442 a year or more.
Average premium for full coverage: $1,774
Price estimates by individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different S8 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Audi S8 insurance prices go from the low end price of $522 for your basic liability-only policy to a much higher rate of $3,838 for a policy for a high-risk driver.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location, instead of using price averages.
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.
More Rate Information
The chart below breaks down estimated Audi S8 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,002
- Drivers who choose higher $1,000 deductibles will pay around $260 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,774
- Choosing more expensive low 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 upwards of $3,838 or more
- The price that insures a teen driver with full coverage may cost $6,442 a year
Insurance prices for an Audi S8 are also quite variable based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $2,100 to $2,800 additional each year, depending on your age. High-risk driver insurance can cost as much as 43% to 133% more than average. View High Risk Driver Rates
An older driver 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 upwards of $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 $1,360 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,530 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,604 | -$170 | -9.6% |
| Alaska | $1,358 | -$416 | -23.4% |
| Arizona | $1,470 | -$304 | -17.1% |
| Arkansas | $1,774 | -$0 | 0.0% |
| California | $2,020 | $246 | 13.9% |
| Colorado | $1,694 | -$80 | -4.5% |
| Connecticut | $1,824 | $50 | 2.8% |
| Delaware | $2,006 | $232 | 13.1% |
| Florida | $2,218 | $444 | 25.0% |
| Georgia | $1,636 | -$138 | -7.8% |
| Hawaii | $1,274 | -$500 | -28.2% |
| Idaho | $1,200 | -$574 | -32.4% |
| Illinois | $1,320 | -$454 | -25.6% |
| Indiana | $1,336 | -$438 | -24.7% |
| Iowa | $1,196 | -$578 | -32.6% |
| Kansas | $1,684 | -$90 | -5.1% |
| Kentucky | $2,418 | $644 | 36.3% |
| Louisiana | $2,622 | $848 | 47.8% |
| Maine | $1,094 | -$680 | -38.3% |
| Maryland | $1,460 | -$314 | -17.7% |
| Massachusetts | $1,418 | -$356 | -20.1% |
| Michigan | $3,080 | $1,306 | 73.6% |
| Minnesota | $1,484 | -$290 | -16.3% |
| Mississippi | $2,122 | $348 | 19.6% |
| Missouri | $1,572 | -$202 | -11.4% |
| Montana | $1,906 | $132 | 7.4% |
| Nebraska | $1,398 | -$376 | -21.2% |
| Nevada | $2,128 | $354 | 20.0% |
| New Hampshire | $1,278 | -$496 | -28.0% |
| New Jersey | $1,980 | $206 | 11.6% |
| New Mexico | $1,570 | -$204 | -11.5% |
| New York | $1,868 | $94 | 5.3% |
| North Carolina | $1,020 | -$754 | -42.5% |
| North Dakota | $1,452 | -$322 | -18.2% |
| Ohio | $1,224 | -$550 | -31.0% |
| Oklahoma | $1,820 | $46 | 2.6% |
| Oregon | $1,622 | -$152 | -8.6% |
| Pennsylvania | $1,692 | -$82 | -4.6% |
| Rhode Island | $2,364 | $590 | 33.3% |
| South Carolina | $1,604 | -$170 | -9.6% |
| South Dakota | $1,496 | -$278 | -15.7% |
| Tennessee | $1,552 | -$222 | -12.5% |
| Texas | $2,138 | $364 | 20.5% |
| Utah | $1,314 | -$460 | -25.9% |
| Vermont | $1,214 | -$560 | -31.6% |
| Virginia | $1,062 | -$712 | -40.1% |
| Washington | $1,370 | -$404 | -22.8% |
| West Virginia | $1,626 | -$148 | -8.3% |
| Wisconsin | $1,228 | -$546 | -30.8% |
| Wyoming | $1,580 | -$194 | -10.9% |
Choosing high deductibles could save up to $760 every year, while increasing your policy's liability limits will cost you more. Changing 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
Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every company uses a different rate calculation, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S8 | $658 | $1,368 | $398 | $2,582 |
| 2023 Audi S8 | $636 | $1,336 | $416 | $2,546 |
| 2022 Audi S8 | $612 | $1,280 | $430 | $2,480 |
| 2021 Audi S8 | $580 | $1,236 | $442 | $2,416 |
| 2020 Audi S8 | $558 | $1,146 | $452 | $2,314 |
| 2019 Audi S8 | $534 | $1,080 | $456 | $2,228 |
| 2018 Audi S8 | $512 | $968 | $460 | $2,098 |
| 2017 Audi S8 | $480 | $890 | $460 | $1,988 |
| 2016 Audi S8 | $462 | $834 | $464 | $1,918 |
| 2015 Audi S8 | $452 | $778 | $474 | $1,862 |
| 2014 Audi S8 | $418 | $724 | $474 | $1,774 |
| 2013 Audi S8 | $406 | $656 | $478 | $1,698 |
| 2007 Audi S8 | $306 | $434 | $446 | $1,344 |
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 Affordable Audi S8 Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The following list is a brief review of the coverage data raised in the charts and tables above.
- You may be able to save as much as $220 per year simply by shopping early and online
- Increasing physical damage deductibles can save approximately $750 each year
- Drivers age 16 to 20 pay higher prices, possibly costing $537 a month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $2,060 more each year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,442 |
| 20 | $4,068 |
| 30 | $1,860 |
| 40 | $1,774 |
| 50 | $1,614 |
| 60 | $1,584 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,274 |
| $250 | $2,042 |
| $500 | $1,774 |
| $1,000 | $1,514 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,774 |
| 50/100 | $1,869 |
| 100/300 | $1,987 |
| 250/500 | $2,295 |
| 100 CSL | $1,916 |
| 300 CSL | $2,177 |
| 500 CSL | $2,367 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,240 |
| 20 | $6,486 |
| 30 | $3,934 |
| 40 | $3,838 |
| 50 | $3,660 |
| 60 | $3,626 |
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 | $97 |
| Multi-vehicle | $93 |
| Homeowner | $26 |
| 5-yr Accident Free | $135 |
| 5-yr Claim Free | $117 |
| Paid in Full/EFT | $85 |
| Advance Quote | $90 |
| Online Quote | $129 |
| Total Discounts | $772 |
Discounts are estimated and may not be available from every company or in every state.
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