Audi S8 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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U.S. average auto insurance rates for an Audi S8 are $1,862 annually including full coverage. Comprehensive costs approximately $452 a year, collision insurance costs $778, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $4,030. Teen drivers pay the highest rates at up to $6,710 a year.
Average premium for full coverage: $1,862
Price estimates by individual coverage:
These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and S8 trim levels.
Price Range from Low to High
For a driver around age 40, Audi S8 insurance prices range from as cheap as $522 for basic liability insurance to a high of $4,030 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying 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.
Rate Comparisons
The chart below breaks down average Audi S8 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,049
- Raising to $1,000 deductibles will save $1,582 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,862
- Choosing low $100 deductibles will cost $2,402
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $4,030
- The price with full coverage for a teen driver can cost $6,710
Insurance prices for an Audi S8 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,700 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $2,200 to $3,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $820 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Audi S8 insurance rates. A middle-age driver might find prices as low as $1,430 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,660 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Buy Cheap Audi S8 Insurance
Getting lower rates on Audi S8 insurance consists of having a good driving record, having a good credit history, being claim-free, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The next list is a brief summary of the information covered above.
- You may be able to save around $230 per year just by quoting early and online
- Drivers age 20 and younger are expensive to insure, possibly costing $559 a month including comprehensive and collision insurance
- Increasing physical damage deductibles could save up to $825 each year
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $2,170 more per year to buy Audi S8 insurance
- Drivers who purchase increased levels of liability coverage will pay about $520 per year to raise from a low limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,402 |
| $250 | $2,154 |
| $500 | $1,862 |
| $1,000 | $1,582 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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