Audi S8 Insurance Rates

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UPDATED: Apr 12, 2024

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Estimated auto insurance rates for an Audi S8 are $1,862 annually for full coverage. Comprehensive insurance costs around $452 each year, collision costs $778, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $4,030 or more. Teens pay the most at $6,710 a year or more.

Average premium for full coverage: $1,862

Premium estimates for type of coverage:

Comprehensive $452
Collision $778
Liability $474

Price estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and S8 models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for an Audi S8 go from as cheap as $522 for just the minimum liability insurance to a high rate of $4,030 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,862
High Risk $4,030

Insurance Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,397
Small Cities $1,955
Large Cities $2,514

These rate differences show why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying 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.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $1,049
  • Using higher $1,000 deductibles will save about $280 a year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,862
  • Selecting low deductibles for physical damage coverage costs an additional $540 a year
  • Drivers with serious driving violations could pay at least $4,030 or more
  • An auto insurance policy with full coverage for a teen driver can be $6,710 or more

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance prices range from $1,049 to $6,710

Insurance prices for an Audi S8 also have a wide range based on the model of your S8, your driver profile, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $6,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $2,200 to $3,000 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 132% more than the average policy. View High Risk Driver Rates

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

Where you choose to live has a huge impact on Audi S8 insurance rates. A driver around age 40 might see prices as low as $1,230 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,660 on average in Michigan, Louisiana, and New York.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,684 -$178 -9.6%
Alaska $1,428 -$434 -23.3%
Arizona $1,544 -$318 -17.1%
Arkansas $1,862 -$0 0.0%
California $2,122 $260 14.0%
Colorado $1,778 -$84 -4.5%
Connecticut $1,914 $52 2.8%
Delaware $2,108 $246 13.2%
Florida $2,330 $468 25.1%
Georgia $1,718 -$144 -7.7%
Hawaii $1,338 -$524 -28.1%
Idaho $1,260 -$602 -32.3%
Illinois $1,386 -$476 -25.6%
Indiana $1,402 -$460 -24.7%
Iowa $1,256 -$606 -32.5%
Kansas $1,770 -$92 -4.9%
Kentucky $2,540 $678 36.4%
Louisiana $2,756 $894 48.0%
Maine $1,148 -$714 -38.3%
Maryland $1,534 -$328 -17.6%
Massachusetts $1,488 -$374 -20.1%
Michigan $3,234 $1,372 73.7%
Minnesota $1,558 -$304 -16.3%
Mississippi $2,228 $366 19.7%
Missouri $1,652 -$210 -11.3%
Montana $1,998 $136 7.3%
Nebraska $1,468 -$394 -21.2%
Nevada $2,234 $372 20.0%
New Hampshire $1,342 -$520 -27.9%
New Jersey $2,080 $218 11.7%
New Mexico $1,650 -$212 -11.4%
New York $1,962 $100 5.4%
North Carolina $1,072 -$790 -42.4%
North Dakota $1,526 -$336 -18.0%
Ohio $1,286 -$576 -30.9%
Oklahoma $1,914 $52 2.8%
Oregon $1,706 -$156 -8.4%
Pennsylvania $1,776 -$86 -4.6%
Rhode Island $2,482 $620 33.3%
South Carolina $1,686 -$176 -9.5%
South Dakota $1,572 -$290 -15.6%
Tennessee $1,630 -$232 -12.5%
Texas $2,244 $382 20.5%
Utah $1,378 -$484 -26.0%
Vermont $1,274 -$588 -31.6%
Virginia $1,114 -$748 -40.2%
Washington $1,440 -$422 -22.7%
West Virginia $1,706 -$156 -8.4%
Wisconsin $1,288 -$574 -30.8%
Wyoming $1,660 -$202 -10.8%

View Chart as Image

Audi S8 insurance rates by U.S. city

With such a large range in prices, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially different between companies.

Audi S8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S8 $686 $1,380 $390 $2,614
2023 Audi S8 $658 $1,368 $398 $2,582
2022 Audi S8 $636 $1,336 $416 $2,546
2021 Audi S8 $612 $1,280 $430 $2,480
2020 Audi S8 $580 $1,236 $442 $2,416
2019 Audi S8 $558 $1,146 $452 $2,314
2018 Audi S8 $534 $1,080 $456 $2,228
2017 Audi S8 $512 $968 $460 $2,098
2016 Audi S8 $480 $890 $460 $1,988
2015 Audi S8 $462 $834 $464 $1,918
2014 Audi S8 $452 $778 $474 $1,862
2013 Audi S8 $418 $724 $474 $1,774
2007 Audi S8 $334 $456 $452 $1,400

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 Buy Cheaper Audi S8 Insurance

Finding better rates on Audi S8 insurance requires not taking risks behind the wheel, 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 once a year by quoting rates from direct carriers, and also from local independent and exclusive agents.

The following is a condensed summary of the data that was raised in the charts and tables above.

  • Drivers can save up to $230 per year simply by quoting online in advance
  • Drivers who may need higher liability limits will pay approximately $520 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
  • Teens pay higher prices, as much as $559 per month including comprehensive and collision insurance
  • High-risk drivers with multiple at-fault accidents pay an average of $2,170 more every year for S8 insurance

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $6,710
20 $4,268
30 $1,956
40 $1,862
50 $1,694
60 $1,662

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,402
$250 $2,154
$500 $1,862
$1,000 $1,582

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,862
50/100 $1,957
100/300 $2,075
250/500 $2,383
100 CSL $2,004
300 CSL $2,265
500 CSL $2,455

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $9,636
20 $6,806
30 $4,134
40 $4,030
50 $3,840
60 $3,804

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 $262

Potential Rate Discounts

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

Discount Savings
Multi-policy $102
Multi-vehicle $97
Homeowner $27
5-yr Accident Free $143
5-yr Claim Free $123
Paid in Full/EFT $90
Advance Quote $95
Online Quote $136
Total Discounts $813
Rate after discounts $1,049

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

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