Audi S8 Insurance Rates

Average insurance prices for an Audi S8 are $1,774 every 12 months for full coverage insurance. Comprehensive costs on average $418 each year, collision insurance costs $724, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $3,838. Teenage drivers receive the highest rates at up to $6,442 a year.

Average premium for full coverage: $1,774

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and S8 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

These examples illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below illustrates average Audi S8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,002
• Raising to $1,000 deductibles will save around $260 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,774
• Using low deductibles increases the price to $2,274
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,838
• The cost to insure a teen driver may cost $6,442

View Chart as Image

Auto insurance rates for an Audi S8 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your S8.

Using high physical damage deductibles can reduce rates by up to $760 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $6,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $2,100 to $2,800 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Audi S8 insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,390 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for More Affordable Audi S8 Insurance

Saving money on Audi S8 insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a summary of the data that was touched on in this article.

• It is possible to save as much as $220 per year just by quoting online in advance
• Drivers who require higher liability limits will pay an extra $520 annually to raise from a minimum limit to a 250/500 level
• Teenagers are charged the highest rates, costing up to $537 per month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations pay on average $2,060 more each year for car insurance