Audi S8 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 12, 2024
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U.S. average insurance prices for an Audi S8 are $1,774 every 12 months for full coverage insurance. Comprehensive insurance costs around $418, collision costs $724, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $3,838 or more. Teens pay the highest rates at $6,442 a year or more.
Average premium for full coverage: $1,774
Price estimates for individual coverage:
Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different S8 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Audi S8 insurance prices go from the cheapest price of $522 for your basic liability-only policy to a much higher rate of $3,838 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion.
The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
More Rate Information
The chart below illustrates estimated Audi S8 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,002
- Raising to $1,000 deductibles will save about $260 each year
- The average price for the average middle-age driver using $500 deductibles is $1,774
- Selecting more expensive low deductibles costs an extra $500 annually
- Drivers with serious driving violations could pay at least $3,838 or more
- The price to insure a 16-year-old driver with full coverage can be $6,442
Insurance prices for an Audi S8 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $760 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $6,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $2,100 to $2,800 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 133% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Audi S8 insurance prices. A middle-age driver might find prices as low as $1,160 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,390 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,604 | -$170 | -9.6% |
| Alaska | $1,358 | -$416 | -23.4% |
| Arizona | $1,470 | -$304 | -17.1% |
| Arkansas | $1,774 | -$0 | 0.0% |
| California | $2,020 | $246 | 13.9% |
| Colorado | $1,694 | -$80 | -4.5% |
| Connecticut | $1,824 | $50 | 2.8% |
| Delaware | $2,006 | $232 | 13.1% |
| Florida | $2,218 | $444 | 25.0% |
| Georgia | $1,636 | -$138 | -7.8% |
| Hawaii | $1,274 | -$500 | -28.2% |
| Idaho | $1,200 | -$574 | -32.4% |
| Illinois | $1,320 | -$454 | -25.6% |
| Indiana | $1,336 | -$438 | -24.7% |
| Iowa | $1,196 | -$578 | -32.6% |
| Kansas | $1,684 | -$90 | -5.1% |
| Kentucky | $2,418 | $644 | 36.3% |
| Louisiana | $2,622 | $848 | 47.8% |
| Maine | $1,094 | -$680 | -38.3% |
| Maryland | $1,460 | -$314 | -17.7% |
| Massachusetts | $1,418 | -$356 | -20.1% |
| Michigan | $3,080 | $1,306 | 73.6% |
| Minnesota | $1,484 | -$290 | -16.3% |
| Mississippi | $2,122 | $348 | 19.6% |
| Missouri | $1,572 | -$202 | -11.4% |
| Montana | $1,906 | $132 | 7.4% |
| Nebraska | $1,398 | -$376 | -21.2% |
| Nevada | $2,128 | $354 | 20.0% |
| New Hampshire | $1,278 | -$496 | -28.0% |
| New Jersey | $1,980 | $206 | 11.6% |
| New Mexico | $1,570 | -$204 | -11.5% |
| New York | $1,868 | $94 | 5.3% |
| North Carolina | $1,020 | -$754 | -42.5% |
| North Dakota | $1,452 | -$322 | -18.2% |
| Ohio | $1,224 | -$550 | -31.0% |
| Oklahoma | $1,820 | $46 | 2.6% |
| Oregon | $1,622 | -$152 | -8.6% |
| Pennsylvania | $1,692 | -$82 | -4.6% |
| Rhode Island | $2,364 | $590 | 33.3% |
| South Carolina | $1,604 | -$170 | -9.6% |
| South Dakota | $1,496 | -$278 | -15.7% |
| Tennessee | $1,552 | -$222 | -12.5% |
| Texas | $2,138 | $364 | 20.5% |
| Utah | $1,314 | -$460 | -25.9% |
| Vermont | $1,214 | -$560 | -31.6% |
| Virginia | $1,062 | -$712 | -40.1% |
| Washington | $1,370 | -$404 | -22.8% |
| West Virginia | $1,626 | -$148 | -8.3% |
| Wisconsin | $1,228 | -$546 | -30.8% |
| Wyoming | $1,580 | -$194 | -10.9% |
Since prices can be so different, the only way to figure out your exact price is to compare prices from multiple companies. Every auto insurance company calculates prices differently, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S8 | $658 | $1,368 | $398 | $2,582 |
| 2023 Audi S8 | $636 | $1,336 | $416 | $2,546 |
| 2022 Audi S8 | $612 | $1,280 | $430 | $2,480 |
| 2021 Audi S8 | $580 | $1,236 | $442 | $2,416 |
| 2020 Audi S8 | $558 | $1,146 | $452 | $2,314 |
| 2019 Audi S8 | $534 | $1,080 | $456 | $2,228 |
| 2018 Audi S8 | $512 | $968 | $460 | $2,098 |
| 2017 Audi S8 | $480 | $890 | $460 | $1,988 |
| 2016 Audi S8 | $462 | $834 | $464 | $1,918 |
| 2015 Audi S8 | $452 | $778 | $474 | $1,862 |
| 2014 Audi S8 | $418 | $724 | $474 | $1,774 |
| 2013 Audi S8 | $406 | $656 | $478 | $1,698 |
| 2007 Audi S8 | $306 | $434 | $446 | $1,344 |
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 Best Cheap Audi S8 Insurance
Getting lower rates on insurance for an Audi S8 consists of being a safe and courteous driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a quick review of the car insurance concepts touched on in this article.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,060 more every year for auto insurance
- It is possible to save up to $220 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $750 each year
- Insureds who may need higher levels of liability will pay approximately $520 annually to raise from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,442 |
| 20 | $4,068 |
| 30 | $1,860 |
| 40 | $1,774 |
| 50 | $1,614 |
| 60 | $1,584 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,274 |
| $250 | $2,042 |
| $500 | $1,774 |
| $1,000 | $1,514 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,774 |
| 50/100 | $1,869 |
| 100/300 | $1,987 |
| 250/500 | $2,295 |
| 100 CSL | $1,916 |
| 300 CSL | $2,177 |
| 500 CSL | $2,367 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,240 |
| 20 | $6,486 |
| 30 | $3,934 |
| 40 | $3,838 |
| 50 | $3,660 |
| 60 | $3,626 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $97 |
| Multi-vehicle | $93 |
| Homeowner | $26 |
| 5-yr Accident Free | $135 |
| 5-yr Claim Free | $117 |
| Paid in Full/EFT | $85 |
| Advance Quote | $90 |
| Online Quote | $129 |
| Total Discounts | $772 |
Discounts are estimated and may not be available from every company or in every state.
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