Audi S8 Insurance Rates

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

Average premium for full coverage: $1,774

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and S8 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above show why it is important to compare rates based on a specific location, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $1,002
• Drivers who choose higher $1,000 deductibles will pay around $1,514 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,774
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $500 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,838
• The price that insures a teenage driver may cost $6,442 a year

View Chart as Image

Car insurance prices for an Audi S8 are also quite variable based on the trim level of your S8, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $2,100 to $2,800 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $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 $1,170 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $760 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheaper Audi S8 Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following list is a condensed summary of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, with premiums as much as $537 a month if full coverage is purchased
• Drivers with multiple at-fault accidents may pay on average $2,060 more each year than a safer driver
• Increasing physical damage deductibles can save approximately $750 each year
• Drivers can save as much as $220 per year just by quoting early and online