Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive insurance costs around $418, collision insurance costs $724, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $3,838 or more. Teenage drivers cost the most to insure at up to $6,442 a year.

Average premium for full coverage: $1,774

Policy rates for type of insurance:

Includes $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all S8 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The example below illustrates how where you live affects auto insurance rates.

The examples above show why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below shows average Audi S8 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $1,002
• Drivers who choose higher $1,000 deductibles will pay about $260 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,774
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $500 annually
• Drivers who are prone to accidents and violations could pay at least $3,838
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $6,442 a year

View Chart as Image

Insurance rates for an Audi S8 also range considerably based on your risk profile, the trim level of your S8, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $6,400 a year. View Rates by Age

Your home state makes a big difference in Audi S8 insurance prices. A 40-year-old driver could pay as low as $1,170 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $760 annually, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $2,100 to $2,800 extra every year, depending on your age. Audi S8 insurance for high-risk drivers can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Audi S8 Insurance

Finding cheaper rates on insurance for an Audi S8 not only requires having a good driving record, but also maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a recap of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk that have major violations or accidents may be required to pay an average of $2,060 more every year to buy Audi S8 insurance
• Drivers can save up to $220 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $750 each year
• Insureds who may need increased levels of liability coverage will pay an extra $520 each year to go from a 30/60 limit to 250/500 limits