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 including full coverage. Comprehensive insurance costs approximately $418, collision costs $724, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $3,838 or more. Teenage drivers 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

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different S8 trim levels.

Price Range from Low to High

For a driver around age 40, Audi S8 insurance prices go from as low as $522 for basic liability insurance to a much higher rate of $3,838 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Where you live can make a big difference on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

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

The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

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Rate Comparisons

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

  • The best discount rate is $1,002
  • Using higher $1,000 deductibles will save $260 every year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,774
  • Using more expensive low deductibles for physical damage coverage will cost an extra $500 annually
  • High-risk insureds who are prone to accidents and violations could pay around $3,838 or more
  • The price for full coverage for a 16-year-old driver with full coverage can cost $6,442 or more

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 of your S8, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $6,400 a year. View Rates by Age

The state you live in has a huge impact on Audi S8 insurance prices. A driver around age 40 might see prices as low as $1,360 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,530 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles could cut prices by as much as $760 annually, while increasing your policy's liability limits will push prices upward. Changing 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 likely paying anywhere from $2,100 to $2,800 additional each year, depending on your age. High-risk driver insurance can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, 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 Cheap Audi S8 Insurance

Getting lower rates on insurance for an Audi S8 requires being safe and accident-free, having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a brief summary of the ideas that were covered above.

  • Youthful drivers are the costliest to insure, possibly costing $537 a month including comprehensive and collision insurance
  • Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $2,060 more per year than a low-risk driver
  • Increasing physical damage deductibles can save around $750 each year
  • You may be able to save around $220 per year simply by shopping early and online

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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