Audi S8 Insurance Rates

U.S. average insurance prices for an Audi S8 are $1,774 every 12 months including full coverage. Comprehensive costs on average $418 a year, collision insurance costs $724, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs around $3,838. 16-year-old drivers pay the highest rates at up to $6,442 a year.

Average premium for full coverage: $1,774

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and S8 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $1,002
• Using higher $1,000 deductibles will save around $1,514 every year
• The average price for the average middle-age driver with $500 deductibles is $1,774
• Buying low $100 deductibles for physical damage coverage increases the price to $2,274
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,838
• The price to insure a 16-year-old driver may cost $6,442 or more

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Insurance prices for an Audi S8 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your S8.

Opting for high physical damage deductibles could cut prices by as much as $760 annually, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,600 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $6,400 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $2,100 to $2,800 extra each year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Audi S8 insurance prices. A driver around age 40 might see prices as low as $1,360 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,530 on average in Michigan, New York, and Louisiana.

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How to Shop for More Affordable Audi S8 Insurance

Getting lower rates on insurance for an Audi S8 requires being a good driver, having good credit, being claim-free, and determing if full coverage is necessary. Invest the time to shop around at least once a year by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the primary concepts that were illustrated above.

• You may be able to save as much as $220 per year just by quoting early and online
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $2,060 more each year than a safer driver
• Increasing physical damage deductibles could save as much as $750 each year
• Drivers age 16 to 20 pay the highest prices, possibly costing $537 a month if they have full coverage