Audi S8 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for an Audi S8 are $1,862 a year for full coverage insurance. Comprehensive costs on average $452 a year, collision costs $778, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $4,030. Teens receive the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,862

Rate estimates by individual coverage type:

Comprehensive $452
Collision $778
Liability $474

Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and S8 trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $522 for minimum levels of liability insurance to a high of $4,030 for a driver required to buy high-risk insurance.

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

Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

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

These examples illustrate why it is important to compare prices based on a specific location and risk profile, rather than relying 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.

Additional Rate Details

The chart below illustrates estimated Audi S8 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $1,049
  • Using higher $1,000 deductibles will save around $1,582 each year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,862
  • Selecting low $100 deductibles for physical damage coverage will increase the cost to $2,402
  • Drivers with serious driving violations could pay upwards of $4,030 or more
  • The cost for full coverage for a teen driver may cost $6,710 or more

View Chart as Image

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

Car insurance rates for an Audi S8 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,700 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged upwards of $6,700 a year. View Rates by Age

Where you live has a huge impact on Audi S8 insurance rates. A driver around age 40 might see rates as low as $1,220 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,510 on average in Michigan, New York, and Florida.

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 higher comprehensive and collision insurance deductibles could cut rates by as much as $820 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $2,200 to $3,000 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company calculates rates differently, so rate quotes can be significantly different from one company to the next.

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 Cheaper Audi S8 Insurance

Saving money on Audi S8 insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below is a condensed summary of the data covered above.

  • Drivers who require higher levels of liability will pay approximately $520 annually to increase from a minimum limit to 250/500 limits
  • It is possible to save as much as $230 per year simply by quoting early and online
  • Increasing deductibles can save around $825 each year
  • Teenage drivers are expensive to insure, costing up to $559 per month if full coverage is included

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles