Audi S8 Insurance Rates

The average insurance prices for an Audi S8 are $1,774 every 12 months for full coverage. Comprehensive costs on average $418, collision insurance costs $724, and liability is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $3,838. Teens cost the most to insure at up to $6,442 a year.

Average premium for full coverage: $1,774

Policy rates by type of insurance:

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $1,002
• Raising to $1,000 deductibles will save around $260 a year
• The average price for a good driver age 40 with $500 deductibles is $1,774
• Selecting more expensive low deductibles increases the price to $2,274
• At-risk drivers with serious driving violations could pay upwards of $3,838
• Policy cost to insure a teen driver with full coverage may cost $6,442

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Car insurance rates for an Audi S8 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your S8.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $760 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $6,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $2,100 to $2,800 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Audi S8 insurance prices. A middle-age driver might find rates as low as $1,170 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Cheap Audi S8 Insurance

Finding cheaper rates on car insurance consists of having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around once a year by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

The next list is a quick review of the data that was touched on above.

• Drivers can save as much as $220 per year just by shopping early and online
• Policyholders who require increased levels of liability coverage will pay approximately $520 each year to raise from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $537 each month if the policy includes full coverage
• Higher risk drivers with a DUI or reckless driving violation pay an average of $2,060 more each year to buy Audi S8 insurance