Audi S8 Insurance Rates

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Cheaper 2013 Audi S8 Car Insurance Quotes in 2025

Overpriced insurance can eat up your funds and make it tough to pay other bills. Consumers have so many insurers to purchase coverage from, and although it's a good thing to have a choice, more choices can make it harder to compare company pricing. Smart consumers take time to get comparison quotes before your policy renews because rates go up and down regularly. Even if you think you had the be...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 12, 2024

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U.S. average auto insurance rates for an Audi S8 are $1,862 annually including full coverage. Comprehensive insurance costs an estimated $452 each year, collision costs $778, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $4,030 or more. 16-year-old drivers pay the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,862

Price estimates broken down by individual coverage:

Comprehensive $452
Collision $778
Liability $474

Price estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and S8 models.

Price Range from Low to High

Using a middle-aged driver as an example, Audi S8 insurance prices go from as cheap as $522 for liability-only coverage to a high rate of $4,030 for high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how where you live affects insurance prices.

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

The ranges above highlight why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than using rate averages.

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 Charts and Tables

The chart below breaks down estimated Audi S8 insurance rates for other coverage scenarios.

  • The best full coverage rate is $1,049
  • Raising to $1,000 deductibles will save approximately $280 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,862
  • Buying low deductibles costs an additional $540 each year
  • Unlucky drivers with multiple tickets or accidents could pay up to $4,030 or more
  • The price with full coverage for a teenage driver can cost as much as $6,710

View Chart as Image

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

Car insurance prices for an Audi S8 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,700 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $6,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $2,200 to $3,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $820 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,430 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,660 on average in Louisiana, New York, and Michigan.

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

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.

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 Buy Cheaper Audi S8 Insurance

Getting lower rates on auto insurance consists of having a good driving record, having a good credit score, being claim-free, and not having any coverage lapses. Take the time to comparison shop every couple of years by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a condensed summary of the material that was touched on in the above illustrations.

  • Consumers who want increased levels of liability coverage will pay around $520 per year to raise from a low limit to higher 250/500 limits
  • Drivers age 20 and younger have the highest car insurance prices, possibly costing $559 a month if comprehensive and collision insurance is included
  • Drivers with multiple at-fault accidents could be forced to pay on average $2,170 more annually to buy Audi S8 insurance
  • Increasing physical damage deductibles could save up to $825 each year

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.

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