Audi S8 Insurance Rates
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UPDATED: Apr 12, 2024
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The average insurance rates for an Audi S8 are $1,918 a year for full coverage insurance. Comprehensive insurance costs on average $462 each year, collision insurance costs $834, and liability coverage is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs $4,166 or more. Teen drivers cost the most to insure at up to $6,902 a year.
Average premium for full coverage: $1,918
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and S8 models.
Price Range Variability
For a 40-year-old driver, Audi S8 insurance rates range from as low as $514 for just liability coverage to a high rate of $4,166 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how your location can change car insurance rates.
The examples above illustrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than using price averages.
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.
Detailed Rate Analysis
The chart below illustrates average Audi S8 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,073
- Raising to $1,000 deductibles will save around $294 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,918
- Choosing low deductibles will cost an extra $574 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $4,166
- Policy cost for full coverage for a teenage driver may cost $6,902
Insurance rates for an Audi S8 also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,800 every 12 months on average, or $150 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $6,900 a year. View Rates by Age
Your home state also has a big influence on Audi S8 insurance rates. A middle-age driver might find rates as low as $1,250 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,590 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,736 | -$182 | -9.5% |
| Alaska | $1,472 | -$446 | -23.3% |
| Arizona | $1,594 | -$324 | -16.9% |
| Arkansas | $1,918 | -$0 | 0.0% |
| California | $2,190 | $272 | 14.2% |
| Colorado | $1,834 | -$84 | -4.4% |
| Connecticut | $1,976 | $58 | 3.0% |
| Delaware | $2,174 | $256 | 13.3% |
| Florida | $2,400 | $482 | 25.1% |
| Georgia | $1,772 | -$146 | -7.6% |
| Hawaii | $1,380 | -$538 | -28.1% |
| Idaho | $1,300 | -$618 | -32.2% |
| Illinois | $1,430 | -$488 | -25.4% |
| Indiana | $1,446 | -$472 | -24.6% |
| Iowa | $1,296 | -$622 | -32.4% |
| Kansas | $1,824 | -$94 | -4.9% |
| Kentucky | $2,618 | $700 | 36.5% |
| Louisiana | $2,842 | $924 | 48.2% |
| Maine | $1,184 | -$734 | -38.3% |
| Maryland | $1,584 | -$334 | -17.4% |
| Massachusetts | $1,536 | -$382 | -19.9% |
| Michigan | $3,336 | $1,418 | 73.9% |
| Minnesota | $1,606 | -$312 | -16.3% |
| Mississippi | $2,300 | $382 | 19.9% |
| Missouri | $1,702 | -$216 | -11.3% |
| Montana | $2,060 | $142 | 7.4% |
| Nebraska | $1,514 | -$404 | -21.1% |
| Nevada | $2,300 | $382 | 19.9% |
| New Hampshire | $1,384 | -$534 | -27.8% |
| New Jersey | $2,144 | $226 | 11.8% |
| New Mexico | $1,702 | -$216 | -11.3% |
| New York | $2,020 | $102 | 5.3% |
| North Carolina | $1,106 | -$812 | -42.3% |
| North Dakota | $1,570 | -$348 | -18.1% |
| Ohio | $1,326 | -$592 | -30.9% |
| Oklahoma | $1,970 | $52 | 2.7% |
| Oregon | $1,758 | -$160 | -8.3% |
| Pennsylvania | $1,830 | -$88 | -4.6% |
| Rhode Island | $2,560 | $642 | 33.5% |
| South Carolina | $1,738 | -$180 | -9.4% |
| South Dakota | $1,620 | -$298 | -15.5% |
| Tennessee | $1,680 | -$238 | -12.4% |
| Texas | $2,314 | $396 | 20.6% |
| Utah | $1,422 | -$496 | -25.9% |
| Vermont | $1,314 | -$604 | -31.5% |
| Virginia | $1,150 | -$768 | -40.0% |
| Washington | $1,482 | -$436 | -22.7% |
| West Virginia | $1,760 | -$158 | -8.2% |
| Wisconsin | $1,330 | -$588 | -30.7% |
| Wyoming | $1,710 | -$208 | -10.8% |
Choosing high deductibles can reduce rates by up to $870 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,300 to $3,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 134% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S8 | $718 | $1,436 | $372 | $2,684 |
| 2023 Audi S8 | $686 | $1,380 | $390 | $2,614 |
| 2022 Audi S8 | $658 | $1,368 | $398 | $2,582 |
| 2021 Audi S8 | $636 | $1,336 | $416 | $2,546 |
| 2020 Audi S8 | $612 | $1,280 | $430 | $2,480 |
| 2019 Audi S8 | $580 | $1,236 | $442 | $2,416 |
| 2018 Audi S8 | $558 | $1,146 | $452 | $2,314 |
| 2017 Audi S8 | $534 | $1,080 | $456 | $2,228 |
| 2016 Audi S8 | $512 | $968 | $460 | $2,098 |
| 2015 Audi S8 | $480 | $890 | $460 | $1,988 |
| 2014 Audi S8 | $462 | $834 | $464 | $1,918 |
| 2013 Audi S8 | $452 | $778 | $474 | $1,862 |
| 2007 Audi S8 | $340 | $478 | $460 | $1,436 |
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 More Affordable Audi S8 Insurance
Finding cheaper rates on auto insurance consists of being a good driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around at every other renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a summary of the concepts that were illustrated above.
- Drivers who have multiple accidents or major violations pay an average of $2,250 more each year than a safer driver
- Drivers age 16 to 20 pay higher rates, possibly costing $575 each month including comprehensive and collision insurance
- It is possible to save as much as $240 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $875 each year
- It is possible to save as much as $240 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,902 |
| 20 | $4,418 |
| 30 | $2,020 |
| 40 | $1,918 |
| 50 | $1,746 |
| 60 | $1,714 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,492 |
| $250 | $2,224 |
| $500 | $1,918 |
| $1,000 | $1,624 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,918 |
| 50/100 | $2,011 |
| 100/300 | $2,127 |
| 250/500 | $2,428 |
| 100 CSL | $2,057 |
| 300 CSL | $2,312 |
| 500 CSL | $2,498 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,922 |
| 20 | $7,040 |
| 30 | $4,276 |
| 40 | $4,166 |
| 50 | $3,970 |
| 60 | $3,934 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $106 |
| Multi-vehicle | $100 |
| Homeowner | $27 |
| 5-yr Accident Free | $150 |
| 5-yr Claim Free | $127 |
| Paid in Full/EFT | $95 |
| Advance Quote | $99 |
| Online Quote | $141 |
| Total Discounts | $845 |
Discounts are estimated and may not be available from every company or in every state.
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