Audi S8 Insurance Rates

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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 for full coverage. Comprehensive costs approximately $452 a year, collision costs $778, and liability insurance is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $4,030. Teens pay the highest rates at $6,710 a year or more.

Average premium for full coverage: $1,862

Price estimates by individual coverage:

Comprehensive $452
Collision $778
Liability $474

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and S8 trim levels.

Price Range from Low to High

For the normal driver, Audi S8 insurance prices go from as cheap as $522 for a discount liability-only rate 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

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

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

The ranges above show why it is important to compare rates quotes using their specific location and their own personal driving habits, 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.

Rates by State, City, and Model

The chart below shows estimated Audi S8 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $1,049
  • Raising to $1,000 deductibles will save $1,582 a year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,862
  • Selecting low $100 deductibles will cost $2,402
  • Higher-risk drivers with serious driving violations could pay around $4,030 or more
  • The price with full coverage for a teen driver can cost $6,710

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 prices for an Audi S8 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $2,200 to $3,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $820 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. 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 $1,230 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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices 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 the Best Cheap Audi S8 Insurance

Getting lower rates on Audi S8 insurance consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick review of the data presented in the illustrations above.

  • Drivers who purchase higher levels of liability will pay approximately $520 each year to raise from a low limit to higher 250/500 limits
  • Drivers can save around $230 per year simply by quoting early and online
  • Increasing physical damage deductibles could save up to $825 each year
  • Teenage drivers have the highest car insurance prices, with premiums as much as $559 a 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.

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