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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U.S. average insurance rates for an Audi S8 are $1,774 a year with full coverage. Comprehensive insurance costs around $418, collision costs $724, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $3,838 or more. Teenage drivers pay the highest rates at $6,442 a year or more.
Average premium for full coverage: $1,774
Price estimates for individual coverage:
Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different S8 trim levels.
Price Range from Low to High
For the average driver, Audi S8 insurance prices go from as low as $522 for just the minimum liability insurance to a much higher rate of $3,838 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using average rates.
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 Analysis
The chart below details estimated Audi S8 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,002
- Raising to $1,000 deductibles will save about $260 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,774
- Using more expensive low deductibles will cost an extra $500 every year
- At-risk drivers who are prone to accidents and violations could pay at least $3,838 or more
- The price for full coverage for a teen driver with full coverage can be $6,442
Car insurance prices for an Audi S8 are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as little as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $6,400 a year. View Rates by Age
The state you live in also has a big influence on Audi S8 insurance prices. A middle-age driver might find prices as low as $1,280 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,390 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $760 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $2,100 to $2,800 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.
| 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 the Cheapest Audi S8 Insurance
Getting lower rates on car insurance consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around once a year by requesting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below you'll find a recap of the data that was touched on above.
- You may be able to save up to $220 per year simply by shopping early and online
- Policyholders who may need more liability protection will pay an extra $520 every year to raise from a low limit to 250/500 limits
- Youthful drivers are the costliest to insure, costing up to $537 a month if full coverage is included
- Higher risk drivers that have major violations or accidents pay an average of $2,060 more every year than a low-risk 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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