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 each year, collision insurance costs $724, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers 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:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and S8 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why all drivers should compare prices based on a specific location and risk profile, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $1,002
• Using higher $1,000 deductibles will save around $260 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,774
• Using low deductibles for physical damage coverage will cost an extra $500 a year
• Drivers who are prone to accidents and violations could pay upwards of $3,838
• The price for full coverage for a teen driver may cost $6,442 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $6,400 a year. View Rates by Age

The state you live in has a huge impact on Audi S8 insurance rates. A driver around age 40 might see prices 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 cut prices by as much as $760 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $2,100 to $2,800 additional each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Audi S8 Insurance

Getting lower rates on Audi S8 insurance requires being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

Below you'll find a brief summary of the car insurance concepts covered above.

• High-risk drivers that tend to have accidents or serious violations will pay on average $2,060 more each year than a low-risk driver
• Drivers can save as much as $220 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $750 each year
• Drivers who require more liability protection will pay an extra $520 each year to increase from a low limit to 250/500 limits