Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year with full coverage. Comprehensive costs approximately $418, collision insurance costs $724, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $3,838. Teenage drivers cost the most to insure at up to $6,442 a year.

Average premium for full coverage: $1,774

Policy rates by type of insurance:

Rates are based on $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Details

The chart below details average Audi S8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $1,002
• Using higher $1,000 deductibles will save $260 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,774
• Using more expensive low deductibles for physical damage coverage will increase the cost to $2,274
• High-risk insureds who are prone to accidents and violations could pay around $3,838
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost $6,442 or more

View Chart as Image

Insurance rates for an Audi S8 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $6,400 a year. View Rates by Age

Your home state has a huge impact on Audi S8 insurance prices. A driver around age 40 might see rates as low as $1,280 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,390 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $760 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $2,100 to $2,800 additional every year, depending on your age. High-risk driver insurance can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Audi S8 Insurance

Finding cheaper rates on insurance for an Audi S8 requires not taking risks behind the wheel, having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a quick review of the coverage data presented in the illustrations above.

• You may be able to save around $220 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $750 each year
• Teens are the costliest to insure, as much as $537 each month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $2,060 more per year for S8 insurance