Audi S8 Insurance Rates

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

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why it is important to compare prices based on a 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.

Additional Rate Details

The chart below details 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 $1,514 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,774
• Using low $100 deductibles for physical damage coverage will cost an extra $500 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,838
• Policy cost for full coverage for a 16-year-old driver may 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 policy deductibles and limits.

Older drivers 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 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 $1,280 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,390 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $760 annually, while buying higher liability limits will cost you more. 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 at a minimum $2,100 to $2,800 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Audi S8 Insurance

Finding cheaper rates on insurance for an Audi S8 requires avoiding accidents and claims, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a summary of the coverage data touched on in this article.

• You may be able to save as much as $220 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $750 each year
• Drivers under the age of 20 pay higher rates, as much as $537 each month including comprehensive and collision insurance
• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $2,060 more each year to insure an Audi S8