Audi S8 Insurance Rates
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UPDATED: Dec 14, 2021
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Average insurance rates for an Audi S8 are $1,462 a year with full coverage. Comprehensive insurance costs around $346 each year, collision costs $490, and liability insurance costs around $468. A policy with just liability insurance costs as low as $518 a year, with coverage for high-risk drivers costing $3,136 or more. Teenage drivers receive the highest rates at $5,402 a year or more.
Average premium for full coverage: $1,462
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and S8 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $518 for just liability coverage to a high rate of $3,136 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.
The graphic below illustrates how your location can change auto insurance rates.
These examples demonstrate why all drivers should compare prices for a specific zip code, rather than relying on average rates.
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 details estimated Audi S8 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $853
- Using higher $1,000 deductibles will save about $192 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,462
- Using low deductibles for physical damage coverage will cost an additional $362 a year
- Drivers who are prone to accidents and violations could pay at least $3,136 or more
- The cost that insures a teen driver can be $5,402 or more
Insurance rates for an Audi S8 can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age
Where you live has a huge impact on Audi S8 insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,980 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,322 | -$140 | -9.6% |
| Alaska | $1,122 | -$340 | -23.3% |
| Arizona | $1,212 | -$250 | -17.1% |
| Arkansas | $1,462 | -$0 | 0.0% |
| California | $1,666 | $204 | 14.0% |
| Colorado | $1,398 | -$64 | -4.4% |
| Connecticut | $1,502 | $40 | 2.7% |
| Delaware | $1,654 | $192 | 13.1% |
| Florida | $1,830 | $368 | 25.2% |
| Georgia | $1,350 | -$112 | -7.7% |
| Hawaii | $1,050 | -$412 | -28.2% |
| Idaho | $990 | -$472 | -32.3% |
| Illinois | $1,090 | -$372 | -25.4% |
| Indiana | $1,102 | -$360 | -24.6% |
| Iowa | $986 | -$476 | -32.6% |
| Kansas | $1,390 | -$72 | -4.9% |
| Kentucky | $1,996 | $534 | 36.5% |
| Louisiana | $2,164 | $702 | 48.0% |
| Maine | $904 | -$558 | -38.2% |
| Maryland | $1,206 | -$256 | -17.5% |
| Massachusetts | $1,170 | -$292 | -20.0% |
| Michigan | $2,540 | $1,078 | 73.7% |
| Minnesota | $1,224 | -$238 | -16.3% |
| Mississippi | $1,752 | $290 | 19.8% |
| Missouri | $1,296 | -$166 | -11.4% |
| Montana | $1,572 | $110 | 7.5% |
| Nebraska | $1,154 | -$308 | -21.1% |
| Nevada | $1,754 | $292 | 20.0% |
| New Hampshire | $1,052 | -$410 | -28.0% |
| New Jersey | $1,634 | $172 | 11.8% |
| New Mexico | $1,296 | -$166 | -11.4% |
| New York | $1,542 | $80 | 5.5% |
| North Carolina | $842 | -$620 | -42.4% |
| North Dakota | $1,196 | -$266 | -18.2% |
| Ohio | $1,010 | -$452 | -30.9% |
| Oklahoma | $1,500 | $38 | 2.6% |
| Oregon | $1,338 | -$124 | -8.5% |
| Pennsylvania | $1,394 | -$68 | -4.7% |
| Rhode Island | $1,950 | $488 | 33.4% |
| South Carolina | $1,324 | -$138 | -9.4% |
| South Dakota | $1,236 | -$226 | -15.5% |
| Tennessee | $1,280 | -$182 | -12.4% |
| Texas | $1,762 | $300 | 20.5% |
| Utah | $1,082 | -$380 | -26.0% |
| Vermont | $1,000 | -$462 | -31.6% |
| Virginia | $878 | -$584 | -39.9% |
| Washington | $1,130 | -$332 | -22.7% |
| West Virginia | $1,338 | -$124 | -8.5% |
| Wisconsin | $1,012 | -$450 | -30.8% |
| Wyoming | $1,304 | -$158 | -10.8% |
Using high physical damage deductibles could cut rates by as much as $560 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $421 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2007 Audi S8 | $346 | $490 | $468 | $1,462 |
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 the Best Audi S8 Insurance
Saving money on Audi S8 insurance requires being a good driver, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices every year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the coverage data illustrated above.
- You may be able to save up to $170 per year simply by quoting online in advance
- Increasing deductibles can save approximately $550 each year
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $450 per month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations may pay on average $1,670 more every year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,402 |
| 20 | $3,310 |
| 30 | $1,522 |
| 40 | $1,462 |
| 50 | $1,332 |
| 60 | $1,304 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,824 |
| $250 | $1,658 |
| $500 | $1,462 |
| $1,000 | $1,270 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,462 |
| 50/100 | $1,556 |
| 100/300 | $1,673 |
| 250/500 | $1,977 |
| 100 CSL | $1,602 |
| 300 CSL | $1,860 |
| 500 CSL | $2,047 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,698 |
| 20 | $5,270 |
| 30 | $3,200 |
| 40 | $3,136 |
| 50 | $2,988 |
| 60 | $2,958 |
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 | $78 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $64 |
| Advance Quote | $70 |
| Online Quote | $104 |
| Total Discounts | $609 |
Discounts are estimated and may not be available from every company or in every state.
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