Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year for full coverage insurance. Comprehensive costs on average $418 each year, collision insurance costs $724, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $3,838. 16-year-old 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:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and S8 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location, 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 illustrates 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 $260 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,774
• Buying low deductibles for physical damage coverage bumps up the cost to $2,274
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,838
• Policy cost that insures a 16-year-old driver may cost $6,442 or more

View Chart as Image

Auto insurance rates for an Audi S8 also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $2,100 to $2,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards 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 $1,160 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,390 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $760 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheap Audi S8 Insurance

Finding cheaper rates on insurance for an Audi S8 requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Comparison shop at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the data raised in the charts and tables above.

• Insureds who require higher liability limits will pay around $520 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save as much as $220 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $750 each year
• Teenagers are charged the highest rates, possibly costing $537 each month if the policy includes full coverage