Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year for full coverage insurance. Comprehensive insurance costs on average $418 a year, collision insurance costs $724, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $3,838 or more. 16-year-old drivers cost the most to insure at up to $6,442 a year.

Average premium for full coverage: $1,774

Policy rates by type of insurance:

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

The examples above illustrate why it is important to compare rates based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $1,002
• Drivers who choose higher $1,000 deductibles will pay around $1,514 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,774
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $500 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $3,838
• Policy cost for full coverage for a teen driver may cost $6,442 a year

View Chart as Image

Car insurance rates for an Audi S8 also range considerably based on your risk 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 $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $6,400 a year. View Rates by Age

Your home state makes a big difference in Audi S8 insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,390 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $760 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,100 to $2,800 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Audi S8 Insurance

Finding cheaper rates on Audi S8 insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every other policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a summary of the ideas that were illustrated above.

• Teenage drivers are expensive to insure, possibly costing $537 each month if full coverage is included
• High-risk drivers who have multiple accidents or major violations pay an average of $2,060 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $750 each year
• It is possible to save as much as $220 per year just by quoting early and online