Audi S8 Insurance Rates

Average insurance rates for an Audi S8 are $1,862 a year for full coverage. Comprehensive insurance costs an estimated $452 each year, collision insurance costs $778, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $4,030 or more. Teens receive the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,862

Rate estimates broken down by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and S8 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples show why all drivers should compare prices for a targeted area, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below shows average Audi S8 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $1,049
• Using higher $1,000 deductibles will save approximately $280 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,862
• Selecting low deductibles for physical damage coverage will cost an additional $540 annually
• High-risk insureds with serious driving violations could pay up to $4,030
• The cost that insures a 16-year-old driver can cost as much as $6,710 or more

View Chart as Image

Insurance rates for an Audi S8 can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $2,200 to $3,000 additional per year, depending on your age. Insurance for high-risk drivers can be from 45% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,700 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,700 a year. View Rates by Age

Where you live has a huge impact on Audi S8 insurance prices. A driver around age 40 might see rates 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $820 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Audi S8 Insurance

Saving money on insurance for an Audi S8 requires having a decent driving record, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief recap of the car insurance concepts covered above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $2,170 more annually than a driver with a clean driving record
• Drivers can save approximately $230 per year just by quoting online in advance
• Increasing deductibles can save approximately $825 each year
• Insureds who want additional liability coverage will pay approximately $520 each year to increase from a minimum limit to the 250/500 level