Audi S8 Insurance Rates
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UPDATED: Apr 12, 2024
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The average auto insurance rates for an Audi S8 are $1,918 annually for full coverage insurance. Comprehensive insurance costs around $462 a year, collision costs $834, and liability is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing $4,166 or more. Teen drivers cost the most to insure at $6,902 a year or more.
Average premium for full coverage: $1,918
Policy rates for type of insurance:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and S8 trim levels.
Price Range Variability
For a driver in their 40's, Audi S8 insurance rates go from as cheap as $514 for just liability insurance to a high of $4,166 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas.
The diagram below illustrates how location helps determine auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on 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.
More Rate Details
The chart below illustrates estimated Audi S8 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,073
- Choosing higher $1,000 deductibles can save about $1,624 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,918
- Choosing low $100 deductibles for comp and collision coverage costs an additional $574 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $4,166 or more
- Policy cost with full coverage for a 16-year-old driver can be $6,902 each year
Insurance rates for an Audi S8 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,800 annually on average, or $150 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $6,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $2,300 to $3,100 additional every year, depending on your age. A high-risk auto insurance policy ranges from 45% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $870 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay 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% |
Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied between companies.
| 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 Buy the Best Cheap Audi S8 Insurance
Finding cheaper rates on insurance for an Audi S8 takes having a good driving record, having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a quick review of the data covered in the charts and tables above.
- Insureds who may need increased levels of liability coverage will pay about $510 annually to raise limits from a 30/60 limit to higher 250/500 limits
- It is possible to save up to $240 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $875 each year
- Drivers age 20 and younger are charged the highest rates, possibly costing $575 each month if they have full coverage
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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