Audi S8 Insurance Rates

Average insurance prices for an Audi S8 are $1,774 every 12 months for full coverage. Comprehensive insurance costs on average $418 each year, collision insurance costs $724, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $3,838 or more. Teenage drivers receive the highest rates at up to $6,442 a year.

Average premium for full coverage: $1,774

Rate estimates by individual coverage type:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and S8 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $1,002
• Raising to $1,000 deductibles will save around $260 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,774
• Using low deductibles costs an extra $500 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,838
• The cost to insure a teen driver may cost $6,442

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

Using high physical damage deductibles can reduce rates by up to $760 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $6,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $2,100 to $2,800 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Audi S8 insurance prices. A middle-age driver might find rates as low as $1,170 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Cheap Audi S8 Insurance

Saving money on car insurance consists of being a low-risk driver, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a quick review of the material that was covered above.

• Policyholders who require more liability coverage will pay an extra $520 each year to raise from a minimum limit to a 250/500 level
• Teen drivers pay higher rates, costing as high as $537 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation pay an average of $2,060 more each year to insure their S8
• Increasing deductibles could save as much as $750 each year