Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive costs on average $418, collision insurance costs $724, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $3,838. 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:

Includes $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below shows 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 $260 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,774
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,274
• Drivers with multiple tickets or accidents could pay upwards of $3,838
• Policy cost that insures a 16-year-old driver with full coverage may cost $6,442 a year

View Chart as Image

Insurance rates for an Audi S8 also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $2,100 to $2,800 extra every year, depending on your age. High-risk driver insurance can cost from 43% to 133% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $6,400 a year. View Rates by Age

Your home state makes a big difference in Audi S8 insurance prices. A 40-year-old driver could pay as low as $1,170 a year in states like Idaho, Maine, and Iowa, or at least $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $760 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Audi S8 Insurance

Finding cheaper rates on insurance for an Audi S8 not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Comparison shop every couple of years by quoting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a recap of the material that was covered in the above illustrations.

• Insureds who require increased levels of liability coverage will pay around $520 each year to go from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger pay the highest rates, costing up to $537 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may pay on average $2,060 more each year to buy Audi S8 insurance
• Increasing comprehensive and collision deductibles can save approximately $750 each year