Audi S8 Insurance Rates

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

Average premium for full coverage: $1,774

Policy rates for type of insurance:

Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

The chart below illustrates average Audi S8 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $1,002
• Drivers who choose higher $1,000 deductibles will pay about $1,514 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,774
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $500 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,838
• Policy cost with full coverage for a teen driver can be $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, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $6,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $2,100 to $2,800 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $760 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

How to Buy the Best Audi S8 Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the data that was presented in the illustrations above.

• It is possible to save up to $220 per year just by quoting early and online
• Policyholders who may need more liability coverage will pay about $520 annually to go from a 30/60 limit to higher 250/500 limits
• Teen drivers are charged the highest rates, possibly costing $537 each month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay on average $2,060 more every year to insure their S8