Audi S8 Insurance Rates

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UPDATED: Apr 12, 2024

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U.S. average insurance rates for an Audi S8 are $1,774 a year including full coverage. Comprehensive insurance costs an estimated $418 a year, collision costs $724, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $3,838 or more. Teen drivers pay the highest rates at $6,442 a year or more.

Average premium for full coverage: $1,774

Price estimates broken down by individual coverage:

Comprehensive $418
Collision $724
Liability $474

Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and S8 trim levels.

Price Range from Low to High

For the normal driver, Audi S8 insurance prices go from the low end price of $522 for just liability insurance to a high of $3,838 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,774
High Risk $3,838

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $1,331
Small Cities $1,863
Large Cities $2,395

The ranges above highlight why it is important to compare rates for a targeted area, rather than relying on 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 Details

The chart below breaks down estimated Audi S8 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $1,002
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,514 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,774
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $500 a year
  • High risk drivers with multiple violations and an at-fault accident could pay up to $3,838 or more
  • The price that insures a teen driver can cost as much as $6,442 a year

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance prices range from $1,002 to $6,442

Auto insurance prices for an Audi S8 are also quite variable based on the trim level of your S8, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $2,100 to $2,800 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $6,400 a year. View Rates by Age

The state you live in makes a big difference in Audi S8 insurance rates. A 40-year-old driver could pay as low as $1,360 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,530 on average in Louisiana, New York, and Michigan.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,604 -$170 -9.6%
Alaska $1,358 -$416 -23.4%
Arizona $1,470 -$304 -17.1%
Arkansas $1,774 -$0 0.0%
California $2,020 $246 13.9%
Colorado $1,694 -$80 -4.5%
Connecticut $1,824 $50 2.8%
Delaware $2,006 $232 13.1%
Florida $2,218 $444 25.0%
Georgia $1,636 -$138 -7.8%
Hawaii $1,274 -$500 -28.2%
Idaho $1,200 -$574 -32.4%
Illinois $1,320 -$454 -25.6%
Indiana $1,336 -$438 -24.7%
Iowa $1,196 -$578 -32.6%
Kansas $1,684 -$90 -5.1%
Kentucky $2,418 $644 36.3%
Louisiana $2,622 $848 47.8%
Maine $1,094 -$680 -38.3%
Maryland $1,460 -$314 -17.7%
Massachusetts $1,418 -$356 -20.1%
Michigan $3,080 $1,306 73.6%
Minnesota $1,484 -$290 -16.3%
Mississippi $2,122 $348 19.6%
Missouri $1,572 -$202 -11.4%
Montana $1,906 $132 7.4%
Nebraska $1,398 -$376 -21.2%
Nevada $2,128 $354 20.0%
New Hampshire $1,278 -$496 -28.0%
New Jersey $1,980 $206 11.6%
New Mexico $1,570 -$204 -11.5%
New York $1,868 $94 5.3%
North Carolina $1,020 -$754 -42.5%
North Dakota $1,452 -$322 -18.2%
Ohio $1,224 -$550 -31.0%
Oklahoma $1,820 $46 2.6%
Oregon $1,622 -$152 -8.6%
Pennsylvania $1,692 -$82 -4.6%
Rhode Island $2,364 $590 33.3%
South Carolina $1,604 -$170 -9.6%
South Dakota $1,496 -$278 -15.7%
Tennessee $1,552 -$222 -12.5%
Texas $2,138 $364 20.5%
Utah $1,314 -$460 -25.9%
Vermont $1,214 -$560 -31.6%
Virginia $1,062 -$712 -40.1%
Washington $1,370 -$404 -22.8%
West Virginia $1,626 -$148 -8.3%
Wisconsin $1,228 -$546 -30.8%
Wyoming $1,580 -$194 -10.9%

View Chart as Image

Audi S8 insurance rates by U.S. city

Choosing high deductibles could save up to $760 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted prices may be quite different.

Audi S8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S8 $658 $1,368 $398 $2,582
2023 Audi S8 $636 $1,336 $416 $2,546
2022 Audi S8 $612 $1,280 $430 $2,480
2021 Audi S8 $580 $1,236 $442 $2,416
2020 Audi S8 $558 $1,146 $452 $2,314
2019 Audi S8 $534 $1,080 $456 $2,228
2018 Audi S8 $512 $968 $460 $2,098
2017 Audi S8 $480 $890 $460 $1,988
2016 Audi S8 $462 $834 $464 $1,918
2015 Audi S8 $452 $778 $474 $1,862
2014 Audi S8 $418 $724 $474 $1,774
2013 Audi S8 $406 $656 $478 $1,698
2007 Audi S8 $306 $434 $446 $1,344

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 Right Audi S8 Insurance

Getting lower rates on Audi S8 insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Shop around at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a quick rundown of the car insurance concepts presented in the illustrations above.

  • High-risk drivers with reckless driving or DUI convictions could be charged and average of $2,060 more annually to buy Audi S8 insurance
  • You may be able to save approximately $220 per year simply by quoting early and online
  • Increasing physical damage deductibles can save approximately $750 each year
  • Drivers who want increased levels of liability coverage will pay about $520 per year to go from a low limit to the 250/500 level

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $6,442
20 $4,068
30 $1,860
40 $1,774
50 $1,614
60 $1,584

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,274
$250 $2,042
$500 $1,774
$1,000 $1,514

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,774
50/100 $1,869
100/300 $1,987
250/500 $2,295
100 CSL $1,916
300 CSL $2,177
500 CSL $2,367

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $9,240
20 $6,486
30 $3,934
40 $3,838
50 $3,660
60 $3,626

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 $250

Potential Rate Discounts

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

Discount Savings
Multi-policy $97
Multi-vehicle $93
Homeowner $26
5-yr Accident Free $135
5-yr Claim Free $117
Paid in Full/EFT $85
Advance Quote $90
Online Quote $129
Total Discounts $772
Rate after discounts $1,002

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

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