Audi S8 Insurance Rates

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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 insurance. Comprehensive insurance costs around $452, collision insurance costs $778, and liability is estimated at $474. A policy with only liability insurance costs approximately $522 a year, and a high-risk policy costs $4,030 or more. 16-year-old drivers pay the most at up to $6,710 a year.

Average premium for full coverage: $1,862

Premium estimates for type of coverage:

Comprehensive $452
Collision $778
Liability $474

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all S8 models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for an Audi S8 range from the low end price of $522 for the bare minimum liability coverage to the much higher price of $4,030 for a high-risk driver policy.

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

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.

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

These rate differences illustrate why everyone should get quotes for a specific zip code, instead of using rate 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.

Additional Rate Information

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

  • The best full coverage rate is $1,049
  • Choosing higher $1,000 deductibles can save about $280 each year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,862
  • Buying pricier low deductibles for comp and collision coverage will cost an additional $540 every year
  • Unlucky drivers with multiple tickets or accidents could pay at least $4,030
  • An auto insurance policy that insures a teen driver for full coverage can be $6,710 each year

View Chart as Image

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

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

If you have a few violations or you caused an accident, you are probably paying at least $2,200 to $3,000 extra annually, depending on your age. Audi S8 insurance for high-risk drivers ranges as much as 45% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $6,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay as low as $1,220 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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

Opting for high physical damage deductibles can save as much as $820 every year, whereas buying more liability protection will increase prices. Switching 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

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 Affordable Audi S8 Insurance

Finding better rates on car insurance takes having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop every time your policy renews by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief review of the information raised in the charts and tables above.

  • It is possible to save up to $230 per year just by quoting online well ahead of the renewal date
  • Drivers age 20 and younger are the costliest to insure, with premiums being up to $559 per month if full coverage is purchased
  • Increasing policy deductibles can save approximately $825 each year
  • Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $2,170 more every year to buy Audi S8 insurance
  • Policyholders who may need increased levels of liability coverage will pay around $520 annually to raise limits from 30/60 bodily injury limits to the 250/500 level

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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