Audi S8 Insurance Rates

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UPDATED: Apr 12, 2024

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The average insurance rates for an Audi S8 are $1,862 a year including full coverage. Comprehensive costs an estimated $452, collision costs $778, and liability costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing around $4,030. 16-year-old drivers cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,862

Policy rates broken down by type of insurance:

Comprehensive $452
Collision $778
Liability $474

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all S8 models.

Price Range Variability

For an average driver, Audi S8 insurance rates go from as low as $522 for the bare minimum liability coverage to the much higher price of $4,030 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

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

The examples above highlight why everyone should compare rates for a targeted area and risk profile, instead of 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 Rate Information

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

  • The best full coverage rate is $1,049
  • Drivers who choose higher $1,000 deductibles will pay approximately $280 every year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,862
  • Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,402
  • Higher-risk drivers with multiple tickets or accidents could pay up to $4,030 or more
  • Policy cost for full coverage for a teen driver for full coverage can cost as much as $6,710 a year

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

Auto insurance rates for an Audi S8 also range considerably based on your risk profile, the model of your S8, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as little as $1,700 per year on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $6,700 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 $1,430 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

Opting for high physical damage deductibles could save up to $820 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $2,200 to $3,000 in extra premium every year, depending on your age. Audi S8 insurance for high-risk drivers can cost as much as 45% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied 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

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the information covered in the above illustrations.

  • You may be able to save approximately $230 per year simply by quoting online well ahead of the renewal date
  • Teenagers are the costliest to insure, with premiums being up to $559 each month if they have full coverage
  • Increasing comprehensive and collision deductibles can save around $825 each year
  • Higher risk drivers with multiple at-fault accidents may pay on average $2,170 more annually for car insurance
  • Policyholders who want higher liability limits will pay around $520 per year to go from a 30/60 limit to 250/500 limits

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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