Audi S8 Insurance Rates

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UPDATED: Apr 12, 2024

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U.S. average insurance rates for an Audi S8 are $1,774 a year for full coverage insurance. Comprehensive insurance costs on average $418 a year, collision costs $724, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $3,838 or more. Teens pay the highest rates at $6,442 a year or more.

Average premium for full coverage: $1,774

Price estimates by individual coverage:

Comprehensive $418
Collision $724
Liability $474

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and S8 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Audi S8 insurance prices go from as low as $522 for a discount liability-only rate to a high of $3,838 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,774
High Risk $3,838

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,331
Small Cities $1,863
Large Cities $2,395

The ranges above illustrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based 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 illustrates estimated Audi S8 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $1,002
  • Choosing higher $1,000 deductibles can save around $1,514 each year
  • The average rate for the average middle-age driver with $500 deductibles is $1,774
  • Selecting low $100 deductibles for comp and collision coverage will cost an extra $500 annually
  • Higher-risk drivers with serious driving violations could pay upwards of $3,838 or more
  • The price for full coverage for a 16-year-old driver may cost $6,442 each year

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance prices range from $1,002 to $6,442

Insurance prices for an Audi S8 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $6,400 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,390 on average in Michigan, New York, and Florida.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,604 -$170 -9.6%
Alaska $1,358 -$416 -23.4%
Arizona $1,470 -$304 -17.1%
Arkansas $1,774 -$0 0.0%
California $2,020 $246 13.9%
Colorado $1,694 -$80 -4.5%
Connecticut $1,824 $50 2.8%
Delaware $2,006 $232 13.1%
Florida $2,218 $444 25.0%
Georgia $1,636 -$138 -7.8%
Hawaii $1,274 -$500 -28.2%
Idaho $1,200 -$574 -32.4%
Illinois $1,320 -$454 -25.6%
Indiana $1,336 -$438 -24.7%
Iowa $1,196 -$578 -32.6%
Kansas $1,684 -$90 -5.1%
Kentucky $2,418 $644 36.3%
Louisiana $2,622 $848 47.8%
Maine $1,094 -$680 -38.3%
Maryland $1,460 -$314 -17.7%
Massachusetts $1,418 -$356 -20.1%
Michigan $3,080 $1,306 73.6%
Minnesota $1,484 -$290 -16.3%
Mississippi $2,122 $348 19.6%
Missouri $1,572 -$202 -11.4%
Montana $1,906 $132 7.4%
Nebraska $1,398 -$376 -21.2%
Nevada $2,128 $354 20.0%
New Hampshire $1,278 -$496 -28.0%
New Jersey $1,980 $206 11.6%
New Mexico $1,570 -$204 -11.5%
New York $1,868 $94 5.3%
North Carolina $1,020 -$754 -42.5%
North Dakota $1,452 -$322 -18.2%
Ohio $1,224 -$550 -31.0%
Oklahoma $1,820 $46 2.6%
Oregon $1,622 -$152 -8.6%
Pennsylvania $1,692 -$82 -4.6%
Rhode Island $2,364 $590 33.3%
South Carolina $1,604 -$170 -9.6%
South Dakota $1,496 -$278 -15.7%
Tennessee $1,552 -$222 -12.5%
Texas $2,138 $364 20.5%
Utah $1,314 -$460 -25.9%
Vermont $1,214 -$560 -31.6%
Virginia $1,062 -$712 -40.1%
Washington $1,370 -$404 -22.8%
West Virginia $1,626 -$148 -8.3%
Wisconsin $1,228 -$546 -30.8%
Wyoming $1,580 -$194 -10.9%

View Chart as Image

Audi S8 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $760 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $2,100 to $2,800 additional each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates prices differently, and prices may be quite different from one company to the next.

Audi S8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S8 $658 $1,368 $398 $2,582
2023 Audi S8 $636 $1,336 $416 $2,546
2022 Audi S8 $612 $1,280 $430 $2,480
2021 Audi S8 $580 $1,236 $442 $2,416
2020 Audi S8 $558 $1,146 $452 $2,314
2019 Audi S8 $534 $1,080 $456 $2,228
2018 Audi S8 $512 $968 $460 $2,098
2017 Audi S8 $480 $890 $460 $1,988
2016 Audi S8 $462 $834 $464 $1,918
2015 Audi S8 $452 $778 $474 $1,862
2014 Audi S8 $418 $724 $474 $1,774
2013 Audi S8 $406 $656 $478 $1,698
2007 Audi S8 $306 $434 $446 $1,344

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 the Right Audi S8 Insurance

Getting lower rates on insurance for an Audi S8 takes avoiding accidents and violations, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a quick rundown of the information raised in the charts and tables above.

  • It is possible to save as much as $220 per year simply by quoting early and online
  • Teenagers pay higher prices, as much as $537 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles can save around $750 each year
  • Drivers considered higher risk with reckless driving or DUI convictions pay an average of $2,060 more each year for car insurance
  • Insureds who require higher liability limits will pay approximately $520 annually to raise limits from a low limit to 250/500 limits

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $6,442
20 $4,068
30 $1,860
40 $1,774
50 $1,614
60 $1,584

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,274
$250 $2,042
$500 $1,774
$1,000 $1,514

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,774
50/100 $1,869
100/300 $1,987
250/500 $2,295
100 CSL $1,916
300 CSL $2,177
500 CSL $2,367

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $9,240
20 $6,486
30 $3,934
40 $3,838
50 $3,660
60 $3,626

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 $250

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $97
Multi-vehicle $93
Homeowner $26
5-yr Accident Free $135
5-yr Claim Free $117
Paid in Full/EFT $85
Advance Quote $90
Online Quote $129
Total Discounts $772
Rate after discounts $1,002

Discounts are estimated and may not be available from every company or in every state.

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