Audi S8 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2024

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Estimated insurance rates for an Audi S8 are $1,862 a year for full coverage. Comprehensive insurance costs an estimated $452, collision costs $778, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $4,030 or more. Teen drivers pay the most at $6,710 a year or more.

Average premium for full coverage: $1,862

Premium estimates broken down by type of coverage:

Comprehensive $452
Collision $778
Liability $474

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all S8 models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for an Audi S8 go from the low end price of $522 for your basic liability-only policy to the much higher price of $4,030 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,862
High Risk $4,030

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.

The example below illustrates the difference location can make on insurance prices.

Rural Areas $1,397
Small Cities $1,955
Large Cities $2,514

These rate differences show why everyone should compare prices for a targeted area, instead of making a decision based on price averages.

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.

More Rate Information

The chart below shows estimated Audi S8 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $1,049
  • Using higher $1,000 deductibles will save approximately $280 a year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,862
  • Choosing pricier low deductibles for physical damage coverage will cost an additional $540 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $4,030 or more
  • An auto insurance policy that insures a 16-year-old driver for full coverage can cost as much as $6,710 or more

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance prices range from $1,049 to $6,710

Auto insurance prices for an Audi S8 also have a wide range based on the model of your S8, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $2,200 to $3,000 in extra premium annually, depending on your age. Audi S8 insurance for high-risk drivers can be from 45% to 132% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $6,700 a year. View Rates by Age

Where you choose to live has a huge impact on Audi S8 insurance prices. A driver around age 40 might see prices as low as $1,230 a year in states like Iowa, Maine, and Idaho, or as much as $2,660 on average in New York, Louisiana, and Michigan.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,684 -$178 -9.6%
Alaska $1,428 -$434 -23.3%
Arizona $1,544 -$318 -17.1%
Arkansas $1,862 -$0 0.0%
California $2,122 $260 14.0%
Colorado $1,778 -$84 -4.5%
Connecticut $1,914 $52 2.8%
Delaware $2,108 $246 13.2%
Florida $2,330 $468 25.1%
Georgia $1,718 -$144 -7.7%
Hawaii $1,338 -$524 -28.1%
Idaho $1,260 -$602 -32.3%
Illinois $1,386 -$476 -25.6%
Indiana $1,402 -$460 -24.7%
Iowa $1,256 -$606 -32.5%
Kansas $1,770 -$92 -4.9%
Kentucky $2,540 $678 36.4%
Louisiana $2,756 $894 48.0%
Maine $1,148 -$714 -38.3%
Maryland $1,534 -$328 -17.6%
Massachusetts $1,488 -$374 -20.1%
Michigan $3,234 $1,372 73.7%
Minnesota $1,558 -$304 -16.3%
Mississippi $2,228 $366 19.7%
Missouri $1,652 -$210 -11.3%
Montana $1,998 $136 7.3%
Nebraska $1,468 -$394 -21.2%
Nevada $2,234 $372 20.0%
New Hampshire $1,342 -$520 -27.9%
New Jersey $2,080 $218 11.7%
New Mexico $1,650 -$212 -11.4%
New York $1,962 $100 5.4%
North Carolina $1,072 -$790 -42.4%
North Dakota $1,526 -$336 -18.0%
Ohio $1,286 -$576 -30.9%
Oklahoma $1,914 $52 2.8%
Oregon $1,706 -$156 -8.4%
Pennsylvania $1,776 -$86 -4.6%
Rhode Island $2,482 $620 33.3%
South Carolina $1,686 -$176 -9.5%
South Dakota $1,572 -$290 -15.6%
Tennessee $1,630 -$232 -12.5%
Texas $2,244 $382 20.5%
Utah $1,378 -$484 -26.0%
Vermont $1,274 -$588 -31.6%
Virginia $1,114 -$748 -40.2%
Washington $1,440 -$422 -22.7%
West Virginia $1,706 -$156 -8.4%
Wisconsin $1,288 -$574 -30.8%
Wyoming $1,660 -$202 -10.8%

View Chart as Image

Audi S8 insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $820 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.

Audi S8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S8 $686 $1,380 $390 $2,614
2023 Audi S8 $658 $1,368 $398 $2,582
2022 Audi S8 $636 $1,336 $416 $2,546
2021 Audi S8 $612 $1,280 $430 $2,480
2020 Audi S8 $580 $1,236 $442 $2,416
2019 Audi S8 $558 $1,146 $452 $2,314
2018 Audi S8 $534 $1,080 $456 $2,228
2017 Audi S8 $512 $968 $460 $2,098
2016 Audi S8 $480 $890 $460 $1,988
2015 Audi S8 $462 $834 $464 $1,918
2014 Audi S8 $452 $778 $474 $1,862
2013 Audi S8 $418 $724 $474 $1,774
2007 Audi S8 $334 $456 $452 $1,400

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 More Affordable Audi S8 Insurance

Finding better rates on insurance for an Audi S8 requires having a decent driving record, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around every other policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a summary of the ideas that were touched on in this article.

  • 16 to 18-year-old drivers are the costliest to insure, as much as $559 per month if the policy includes full coverage
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,170 more annually than a driver with a clean driving record
  • Increasing policy deductibles can save approximately $825 each year
  • Drivers can save approximately $230 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $6,710
20 $4,268
30 $1,956
40 $1,862
50 $1,694
60 $1,662

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,402
$250 $2,154
$500 $1,862
$1,000 $1,582

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,862
50/100 $1,957
100/300 $2,075
250/500 $2,383
100 CSL $2,004
300 CSL $2,265
500 CSL $2,455

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $9,636
20 $6,806
30 $4,134
40 $4,030
50 $3,840
60 $3,804

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.

SR-22 Surcharge $262

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $102
Multi-vehicle $97
Homeowner $27
5-yr Accident Free $143
5-yr Claim Free $123
Paid in Full/EFT $90
Advance Quote $95
Online Quote $136
Total Discounts $813
Rate after discounts $1,049

Discounts are estimated and may not be available from every company or in every state.

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