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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UPDATED: Jun 3, 2023

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Average insurance rates for an Audi S8 are $1,862 a year for full coverage insurance. Comprehensive costs around $452 a year, collision insurance costs $778, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $4,030. Teen drivers receive the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,862

Rate estimates for individual coverage type:

Comprehensive $452
Collision $778
Liability $474

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and S8 trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the low end price of $522 for your basic liability-only policy to a high of $4,030 for high-risk insurance.

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

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

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

These examples illustrate why it is important to get quotes for a specific zip code, rather than using 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 Information

The chart below illustrates average Audi S8 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,049
  • Choosing higher $1,000 deductibles can save about $1,582 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,862
  • Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $2,402
  • Drivers with multiple violations and an at-fault accident could pay at least $4,030
  • The cost that insures a teenage driver can be $6,710 each year

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing Audi S8 insurance rates range from $1,049 to $6,710 for full coverage

Auto insurance rates for an Audi S8 can also vary considerably based on the trim level of your S8, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $2,200 to $3,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 45% to 132% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,700 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $6,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Audi S8 insurance rates. A good driver about age 40 could pay as low as $1,220 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,510 on average in Michigan, New York, and Florida.

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

Choosing high deductibles can save as much as $820 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

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 Best Audi S8 Insurance

Saving money on auto insurance takes having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a brief recap of the material that was touched on in the above illustrations.

  • Consumers who may need additional liability coverage will pay about $520 annually to raise limits from a minimum limit to the 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, costing up to $559 per month if the policy includes full coverage
  • Drivers who tend to receive serious violations could be forced to pay on average $2,170 more every year than a driver with a clean driving record
  • Increasing deductibles can save approximately $825 each year

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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