Audi S8 Insurance Rates

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UPDATED: Apr 12, 2024

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Estimated insurance prices for an Audi S8 are $1,862 every 12 months for full coverage insurance. Comprehensive costs around $452, collision insurance costs $778, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $4,030. Teens pay the most at up to $6,710 a year.

Average premium for full coverage: $1,862

Premium estimates for type of coverage:

Comprehensive $452
Collision $778
Liability $474

Prices include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different S8 trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for an Audi S8 range from the cheapest price of $522 for a discount liability-only rate to a much higher rate of $4,030 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,862
High Risk $4,030

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.

Rural Areas $1,397
Small Cities $1,955
Large Cities $2,514

These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below illustrates average Audi S8 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,049
  • Drivers who choose higher $1,000 deductibles will pay about $280 each year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,862
  • Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $2,402
  • Higher-risk drivers with serious driving violations could pay at least $4,030
  • An auto insurance policy to insure a teen driver with full coverage can be $6,710 a year

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing Audi S8 insurance rates range from $1,049 to $6,710 for full coverage

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

Choosing higher comprehensive and collision insurance deductibles could save up to $820 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,700 per year on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay as much as $6,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $2,200 to $3,000 additional annually, depending on your age. High-risk driver insurance can cost as much as 45% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Audi S8 insurance prices. A 40-year-old driver could pay as low as $1,220 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,510 on average in Michigan, New York, and Florida.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,684 -$178 -9.6%
Alaska $1,428 -$434 -23.3%
Arizona $1,544 -$318 -17.1%
Arkansas $1,862 -$0 0.0%
California $2,122 $260 14.0%
Colorado $1,778 -$84 -4.5%
Connecticut $1,914 $52 2.8%
Delaware $2,108 $246 13.2%
Florida $2,330 $468 25.1%
Georgia $1,718 -$144 -7.7%
Hawaii $1,338 -$524 -28.1%
Idaho $1,260 -$602 -32.3%
Illinois $1,386 -$476 -25.6%
Indiana $1,402 -$460 -24.7%
Iowa $1,256 -$606 -32.5%
Kansas $1,770 -$92 -4.9%
Kentucky $2,540 $678 36.4%
Louisiana $2,756 $894 48.0%
Maine $1,148 -$714 -38.3%
Maryland $1,534 -$328 -17.6%
Massachusetts $1,488 -$374 -20.1%
Michigan $3,234 $1,372 73.7%
Minnesota $1,558 -$304 -16.3%
Mississippi $2,228 $366 19.7%
Missouri $1,652 -$210 -11.3%
Montana $1,998 $136 7.3%
Nebraska $1,468 -$394 -21.2%
Nevada $2,234 $372 20.0%
New Hampshire $1,342 -$520 -27.9%
New Jersey $2,080 $218 11.7%
New Mexico $1,650 -$212 -11.4%
New York $1,962 $100 5.4%
North Carolina $1,072 -$790 -42.4%
North Dakota $1,526 -$336 -18.0%
Ohio $1,286 -$576 -30.9%
Oklahoma $1,914 $52 2.8%
Oregon $1,706 -$156 -8.4%
Pennsylvania $1,776 -$86 -4.6%
Rhode Island $2,482 $620 33.3%
South Carolina $1,686 -$176 -9.5%
South Dakota $1,572 -$290 -15.6%
Tennessee $1,630 -$232 -12.5%
Texas $2,244 $382 20.5%
Utah $1,378 -$484 -26.0%
Vermont $1,274 -$588 -31.6%
Virginia $1,114 -$748 -40.2%
Washington $1,440 -$422 -22.7%
West Virginia $1,706 -$156 -8.4%
Wisconsin $1,288 -$574 -30.8%
Wyoming $1,660 -$202 -10.8%

View Chart as Image

Audi S8 insurance rates by U.S. city
Audi S8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S8 $686 $1,380 $390 $2,614
2023 Audi S8 $658 $1,368 $398 $2,582
2022 Audi S8 $636 $1,336 $416 $2,546
2021 Audi S8 $612 $1,280 $430 $2,480
2020 Audi S8 $580 $1,236 $442 $2,416
2019 Audi S8 $558 $1,146 $452 $2,314
2018 Audi S8 $534 $1,080 $456 $2,228
2017 Audi S8 $512 $968 $460 $2,098
2016 Audi S8 $480 $890 $460 $1,988
2015 Audi S8 $462 $834 $464 $1,918
2014 Audi S8 $452 $778 $474 $1,862
2013 Audi S8 $418 $724 $474 $1,774
2007 Audi S8 $334 $456 $452 $1,400

Rates are averaged for all Audi S8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Right Audi S8 Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates every year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the coverage data covered in the charts and tables above.

  • It is possible to save up to $230 per year just by shopping early and online
  • Increasing policy deductibles could save as much as $825 each year
  • Youthful drivers are charged the highest prices, with premiums being up to $559 per month if full coverage is included
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $2,170 more every year than a low-risk driver

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $6,710
20 $4,268
30 $1,956
40 $1,862
50 $1,694
60 $1,662

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,402
$250 $2,154
$500 $1,862
$1,000 $1,582

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,862
50/100 $1,957
100/300 $2,075
250/500 $2,383
100 CSL $2,004
300 CSL $2,265
500 CSL $2,455

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $9,636
20 $6,806
30 $4,134
40 $4,030
50 $3,840
60 $3,804

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $262

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $102
Multi-vehicle $97
Homeowner $27
5-yr Accident Free $143
5-yr Claim Free $123
Paid in Full/EFT $90
Advance Quote $95
Online Quote $136
Total Discounts $813
Rate after discounts $1,049

Discounts are estimated and may not be available from every company or in every state.

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