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 for full coverage. Comprehensive insurance costs an estimated $452 each year, collision costs $778, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $4,030 or more. Teens 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

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and S8 models.

Price Range Variability

Using a middle-aged driver as an example, Audi S8 insurance rates go from the low end price of $522 for just liability insurance to a high rate of $4,030 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

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

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

The examples above show why all drivers should compare prices for a targeted area, rather than using 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 shows estimated Audi S8 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $1,049
  • Using higher $1,000 deductibles will save approximately $280 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,862
  • Selecting low deductibles for physical damage coverage will cost an additional $540 each year
  • Higher-risk drivers with serious driving violations could pay up to $4,030 or more
  • Policy cost that insures a teenage driver can cost as much as $6,710 or more

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

Insurance rates for an Audi S8 also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $2,200 to $3,000 extra every year, depending on your age. Insurance for high-risk drivers can be around 45% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $6,700 a year. View Rates by Age

Your home state has a huge impact on Audi S8 insurance rates. A driver around age 40 might see rates as low as $1,230 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,660 on average in New York, Louisiana, 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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, so the rates will be varied.

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 Low Cost Audi S8 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates at least every other year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The list below is a review of the car insurance concepts touched on in the above illustrations.

  • Drivers who have several accidents or serious violations may pay on average $2,170 more annually for car insurance
  • Drivers can save approximately $230 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $825 each year
  • Consumers who want higher liability limits will pay approximately $520 each year to increase from a 30/60 limit to the 250/500 level

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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