Audi S8 Insurance Rates

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Cheapest 2007 Audi S8 Insurance Rates in 2025

Searching for the cheapest car insurance rates for your Audi S8? Tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than most other car owners. Because you have many choices of insurance companies, it's difficult to find the cheapest car insurance company. It's a great practice to check car insurance prices periodically because pr...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 3, 2023

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

Average premium for full coverage: $1,862

Premium estimates broken down by type of coverage:

Comprehensive $452
Collision $778
Liability $474

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all S8 models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for an Audi S8 go from as low as $522 for the bare minimum liability coverage to the much higher price of $4,030 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

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

These rate differences show why everyone should compare rates quotes for a targeted area and risk profile, 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.

Additional Rate Information

The chart below shows estimated Audi S8 insurance rates for other coverage scenarios.

  • The best discount rate is $1,049
  • Raising to $1,000 deductibles will save approximately $280 a year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,862
  • Using pricier low deductibles will cost an extra $540 a year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $4,030 or more
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost as much as $6,710

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 your driving characteristics, the trim level of your S8, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $6,700 a year. View Rates by Age

Where you choose to live also has a big influence on Audi S8 insurance rates. A middle-age driver might find prices as low as $1,230 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,660 on average in New York, Louisiana, and Michigan.

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

Using high physical damage deductibles can reduce prices by up to $820 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $2,200 to $3,000 additional annually, depending on your age. Audi S8 insurance for high-risk drivers is expensive and can cost anywhere from 45% to 132% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

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 Find the Right Audi S8 Insurance

Finding better rates on Audi S8 insurance consists of having a decent driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a quick rundown of the data covered above.

  • Drivers who want additional liability coverage will pay an extra $520 each year to raise from 30/60 bodily injury limits to 250/500 limits
  • Drivers can save approximately $230 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $825 each year
  • 16 to 18-year-old drivers are expensive to insure, as much as $559 per month including comprehensive and collision 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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