Audi S8 Insurance Rates

Estimated insurance rates for an Audi S8 are $1,862 a year for full coverage. Comprehensive costs on average $452, collision insurance costs $778, and liability insurance is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs around $4,030. Teenage drivers pay the most at up to $6,710 a year.

Average premium for full coverage: $1,862

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

These rate differences show why everyone should compare rates quotes based on a specific location, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Audi S8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,049
• Raising to $1,000 deductibles will save around $280 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,862
• Using pricier low deductibles bumps up the cost to $2,402
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,030
• An auto insurance policy that insures a teen driver for full coverage may cost $6,710

View Chart as Image

Car insurance prices for an Audi S8 also have a wide range based on the model of your S8, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $2,200 to $3,000 extra 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

A more mature driver with no driving violations and higher comprehensive and collision 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, since even teens with perfect driving records will be charged upwards of $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 Idaho, Maine, and Iowa, or be forced to pay as much as $2,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $820 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Audi S8 Insurance

Finding better rates on Audi S8 insurance consists of avoiding accidents and claims, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices at every policy renewal by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a recap of the data illustrated above.

• Drivers who require increased liability limits will pay an extra $520 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers can save as much as $230 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $825 each year
• Drivers under the age of 20 are expensive to insure, as much as $559 per month if full coverage is purchased