Audi S8 Insurance Rates
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UPDATED: Jun 3, 2023
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The average insurance rates for an Audi S8 are $1,918 a year for full coverage. Comprehensive insurance costs approximately $462, collision costs $834, and liability is estimated at $464. Buying just liability costs approximately $514 a year, with insurance for high-risk drivers costing $4,166 or more. Teenage drivers cost the most to insure at $6,902 a year or more.
Average premium for full coverage: $1,918
Policy rates by type of insurance:
Estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all S8 models.
Price Range Variability
For the normal driver, Audi S8 insurance rates go from the low end price of $514 for minimum levels of liability insurance to the much higher price of $4,166 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance prices.
The examples above show why everyone should get quotes using their specific location, instead of using 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 Details
The chart below shows estimated Audi S8 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,073
- Choosing higher $1,000 deductibles can save $294 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,918
- Using pricier low deductibles for comp and collision coverage will cost an additional $574 every year
- Unlucky drivers who are prone to accidents and violations could pay around $4,166 or more
- Policy cost that insures a teen driver for full coverage can cost $6,902 each year
Insurance rates for an Audi S8 also range considerably based on the model of your S8, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $2,300 to $3,100 extra every year, depending on your age. Audi S8 insurance for high-risk drivers ranges as much as 45% to 134% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,800 annually on average, or $150 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $6,900 a year. View Rates by Age
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 $1,260 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,740 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles can save as much as $870 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates will be varied.
| 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 Find Low Cost Audi S8 Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at least once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.
The following is a review of the primary concepts that were presented in the illustrations above.
- Drivers can save around $240 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $2,250 more per year for S8 insurance
- Increasing comprehensive and collision deductibles can save approximately $875 each year
- Teens are expensive to insure, costing up to $575 each month if full coverage is included
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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