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2008 Audi S8 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 23, 2020

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Average insurance rates for an 2008 Audi S8 are $1,610 a year including full coverage. Comprehensive insurance costs approximately $378 each year, collision costs $600, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing $3,476 or more. Teenage drivers receive the highest rates at $5,906 a year or more.

Annual premium for full coverage: $1,610

Rate estimates for 2008 Audi S8 Insurance

Comprehensive $378
Collision $600
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Audi S8 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $522 for the bare minimum liability coverage to a high rate of $3,476 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,610
High Risk $3,476

View Chart as Image

2008 Audi S8 insurance rates compared
Column chart showing 2008 Audi S8 insurance prices range from $923 to $5,906 for full coverage

These differences highlight why all drivers should compare prices using their specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Audi S8 Insurance

Searching Companies

Trying to find the cheapest auto insurance rates for your Audi S8? Sick and tired of robbing Peter to pay Paul to insure your Audi every month? You are no different than most other car owners. You have multiple insurance companies to buy insurance from, and though it is a good thing to be able to choose, it can be more challenging to find the lowest cost provider.

Smart consumers take time to compare prices yearly due to the fact that insurance rates change quite often. If you had the best rates on S8 insurance last year there is a good chance you can find better rates now. Starting right now, forget all the misinformation about auto insurance because it’s time to teach you how to use online quotes to save money, get proper coverage and the best rates.

The purpose of this post is to tell you how car insurance quotes work and some money-saving tips. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Drivers only need to know the tricks to compare prices on the web.

More discounts equal less premium

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Some discounts apply automatically when you quote, but a few must be asked for in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.

  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on S8 insurance depending on your company.
  • Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates when buying insurance coverage on S8 insurance.
  • Accident Free – Claim-free drivers can save substantially when compared to drivers who are more careless.
  • Early Signing – A few companies offer discounts for signing up before your current policy expires. This can save 10% or more.
  • 55 and Retired – Mature drivers may qualify for reduced rates on S8 insurance.
  • Defensive Driving Course – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Distant Student – Children living away from home attending college and do not have a car can be insured at a reduced rate.

It’s important to note that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will cut the cost of coverage.

Companies that may have these money-saving discounts include:

Double check with each company which discounts they offer. Some discounts may not be available everywhere.

The quickest method to compare car insurance rates is to know the fact most of the larger companies participate in online systems to give rate comparisons. All consumers are required to do is give them some information such as if it has an alarm system, whether or not you need a SR-22, whether your vehicle is owned or leased, and driver ages. Those rating factors is instantly submitted to multiple companies and they return rate quotes immediately.

Elements that influence Audi S8 insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

The list below includes some of the factors used by your company to calculate rates.

  • Lower deductibles cost more – Physical damage deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims are colliding with a building, vandalism, and rolling your vehicle. The more expense you’re willing to pay, the lower your rates will be on S8 insurance.
  • Do you qualify for a multi-policy discount? – Many companies will award you with lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money.
  • High crash test scores lower rates – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates. If your Audi scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Being married can save on insurance – Getting married actually saves money when buying insurance. Marriage usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.
  • Special features that cut premiums – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Lower miles equals lower premium – Driving more miles in a year the more you will pay for insurance. The majority of insurers price each vehicle’s coverage based on their usage. Autos not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your S8 may be costing you. Ask your agent if your insurance coverage properly reflects the proper vehicle usage.
  • Mature drivers pay less – Teenage drivers tend to be less responsible when behind the wheel so insurance rates are higher. Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Your job and insurance rates – Did you know your insurance rates can be affected by your occupation? Jobs such as lawyers, executives and dentists tend to pay the highest average rates in part from high stress levels and long work days. Other occupations like scientists, historians and homemakers have the lowest average rates on S8 insurance.

It’s not one size fits all

When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • Who is covered when they drive my 2008 Audi S8?
  • Where can I find high-risk insurance?
  • How many claims can I have before being canceled?
  • Will my insurance pay for OEM parts?
  • Is extra glass coverage worth it?
  • Is my babysitter covered when using my vehicle?

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If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage specifics

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Collision coverage

Collision coverage will pay to fix damage to your S8 from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle, scraping a guard rail, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive protection

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, rock chips in glass, a broken windshield, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Audi S8.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like ambulance fees, pain medications, chiropractic care, doctor visits and nursing services. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage


This will cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as bail bonds, medical expenses, court costs and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage on a shoestring budget

Discount 2008 Audi S8 insurance can be found on the web and with local insurance agents, so you should compare both to have the best selection. Some insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. In many cases, an accident victim reduced liability coverage limits and learned later that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

To learn more, feel free to visit these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Audi S8 Insurance Rates by City
City Premium
New York City, NY $2,544
Los Angeles, CA $2,754
Philadelphia, PA $2,153
Jacksonville, FL $2,339
Phoenix, AZ $1,870
Chicago, IL $2,160
Houston, TX $2,525
Seattle, WA $1,570
Columbus, OH $1,346
Indianapolis, IN $1,370

Rates by Driver Age

2008 Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $5,906
20 $3,674
30 $1,684
40 $1,610
50 $1,468
60 $1,440

Full coverage, $500 deductibles

Rates by Deductible

2008 Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,042
$250 $1,844
$500 $1,610
$1,000 $1,388

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,610
50/100 $1,705
100/300 $1,823
250/500 $2,131
100 CSL $1,752
300 CSL $2,013
500 CSL $2,203

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $8,446
20 $5,856
30 $3,554
40 $3,476
50 $3,312
60 $3,280

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 $223

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $87
Multi-vehicle $84
Homeowner $24
5-yr Accident Free $118
5-yr Claim Free $105
Paid in Full/EFT $74
Advance Quote $79
Online Quote $116
Total Discounts $687
Rate after discounts $923

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Audi S8 Insurance Rates by State
State Premium
Alabama $1,456
Alaska $1,234
Arizona $1,336
Arkansas $1,610
California $1,836
Colorado $1,540
Connecticut $1,658
Delaware $1,824
Florida $2,016
Georgia $1,486
Hawaii $1,158
Idaho $1,088
Illinois $1,200
Indiana $1,212
Iowa $1,088
Kansas $1,532
Kentucky $2,198
Louisiana $2,384
Maine $994
Maryland $1,328
Massachusetts $1,288
Michigan $2,800
Minnesota $1,348
Mississippi $1,930
Missouri $1,430
Montana $1,732
Nebraska $1,270
Nevada $1,932
New Hampshire $1,160
New Jersey $1,802
New Mexico $1,428
New York $1,696
North Carolina $928
North Dakota $1,320
Ohio $1,112
Oklahoma $1,654
Oregon $1,476
Pennsylvania $1,538
Rhode Island $2,150
South Carolina $1,460
South Dakota $1,360
Tennessee $1,412
Texas $1,942
Utah $1,192
Vermont $1,102
Virginia $966
Washington $1,246
West Virginia $1,476
Wisconsin $1,116
Wyoming $1,436

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