Audi S8 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $346
Collision $490
Liability $468

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.

Liability Only $518
Full Coverage $1,462
High Risk $3,136

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.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

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

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance prices range from $853 to $5,402

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.

Audi S8 Insurance Rates by State
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%

View Chart as Image

Audi S8 insurance rates by U.S. city

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.

Audi S8 Insurance Rates by Model Year
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

Rates by Driver Age

Audi S8 Insurance 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

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,824
$250 $1,658
$500 $1,462
$1,000 $1,270

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
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

Audi S8 Insurance 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.

SR-22 Surcharge $198

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
Rate after discounts $853

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

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