Audi S8 Insurance Rates
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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
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Average insurance rates for an Audi S8 are $1,862 a year with full coverage. Comprehensive costs approximately $452 a year, collision insurance costs $778, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $4,030. Teens receive the highest rates at up to $6,710 a year.
Average premium for full coverage: $1,862
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and S8 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $522 for just liability insurance to a high of $4,030 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance prices.
These examples demonstrate why it is important to get quotes using their specific location and risk profile, instead of making a decision based 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.
More Rate Details
The chart below details average Audi S8 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,049
- Choosing higher $1,000 deductibles can save $1,582 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,862
- Selecting low $100 deductibles for comp and collision coverage will increase the cost to $2,402
- Higher-risk drivers with serious driving violations could pay around $4,030
- The cost for full coverage for a 16-year-old driver can cost $6,710 each year
Auto insurance rates for an Audi S8 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,700 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $6,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay as low as $1,340 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,510 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $820 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $2,200 to $3,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 45% to 132% more than the average policy. View High Risk Driver Rates
| 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 Low Cost Audi S8 Insurance
Saving money on insurance for an Audi S8 takes having a decent driving record, having good credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every other policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The following items are a review of the ideas that were illustrated above.
- 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $559 per month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations pay on average $2,170 more per year than a driver with a clean driving record
- Increasing deductibles can save around $825 each year
- You may be able to save around $230 per year just by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,402 |
| $250 | $2,154 |
| $500 | $1,862 |
| $1,000 | $1,582 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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