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, collision insurance costs $724, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $3,838 or more. Teens 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 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different S8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine car insurance rates.

These examples show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $1,002
• Drivers who choose higher $1,000 deductibles will pay around $260 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,774
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $500 each year
• High-risk insureds with serious driving violations could pay upwards of $3,838
• The cost to insure a teenage driver with full coverage may cost $6,442 a year

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Auto 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.

Choosing higher comprehensive and collision insurance deductibles could save up to $760 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have 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 in extra premium per year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Audi S8 insurance rates. A 40-year-old driver 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.

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How to Shop for the Best Cheap Audi S8 Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers with a DUI or reckless driving violation pay an average of $2,060 more each year for car insurance
• Drivers can save as much as $220 per year just by shopping early and online
• Increasing deductibles could save as much as $750 each year
• Consumers who require higher liability limits will pay approximately $520 each year to go from a minimum limit to a 250/500 level