Audi S8 Insurance Rates

U.S. average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive insurance costs approximately $418 each year, collision insurance costs $724, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers 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:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and S8 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why all drivers should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

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
• Raising to $1,000 deductibles will save $260 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,774
• Selecting low deductibles will cost an extra $500 a year
• Higher-risk drivers with serious driving violations could pay around $3,838
• The price for full coverage for a teen driver can cost $6,442

View Chart as Image

Insurance prices for an Audi S8 are also quite variable based on your driving record, the trim level of your S8, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles could 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 should be prepared to pay in the ballpark of $6,400 a year. View Rates by Age

The state you live in also has a big influence on Audi S8 insurance rates. A middle-age driver might find 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $760 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $2,100 to $2,800 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

How to Find the Cheapest Audi S8 Insurance

Getting lower rates on Audi S8 insurance consists of having a decent driving record, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a recap of the ideas that were covered above.

• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $537 a month including comprehensive and collision insurance
• High-risk drivers that have major violations or accidents may pay on average $2,060 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $750 each year
• Drivers can save around $220 per year just by quoting online in advance