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 prices for an Audi S8 are $1,774 every 12 months for full coverage. Comprehensive insurance costs approximately $418, collision insurance costs $724, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $3,838 or more. Teens pay the highest rates at up to $6,442 a year.
Average premium for full coverage: $1,774
Price estimates by individual coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all S8 models.
Price Range from Low to High
For a 40-year-old driver, Audi S8 insurance prices range from the cheapest price of $522 for just liability coverage to the much higher price of $3,838 for high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance prices.
The ranges above show why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows average Audi S8 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,002
- Using higher $1,000 deductibles will save $260 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,774
- Selecting pricier low deductibles for physical damage coverage costs an extra $500 annually
- High-risk insureds with serious driving violations could pay around $3,838
- The price to insure a 16-year-old driver for full coverage can cost $6,442 or more
Car insurance prices for an Audi S8 are also quite variable based on deductibles and policy limits, your driver profile, and the model of your S8.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $760 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 liability 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
A more mature driver with no driving violations and higher deductibles may pay as low as $1,600 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $6,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $2,100 to $2,800 extra each year, depending on your age. Audi S8 insurance for high-risk drivers can be from 43% to 133% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Audi S8 insurance prices. A driver around age 40 might see prices as low as $1,170 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,530 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Shop for the Right Audi S8 Insurance
Getting lower rates on insurance for an Audi S8 requires being safe and accident-free, maintaining a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a quick rundown of the material that was illustrated above.
- Insureds who purchase more liability protection will pay approximately $520 each year to increase from a low limit to a 250/500 level
- Youthful drivers pay the highest auto insurance prices, with premiums as much as $537 a month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $2,060 more per year than a low-risk driver
- Increasing physical damage deductibles could save as much as $750 each year
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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