Audi S8 Insurance Rates

U.S. average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive costs around $418 each year, collision insurance costs $724, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs around $3,838. Teen drivers pay the highest rates at up to $6,442 a year.

Average premium for full coverage: $1,774

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and S8 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above show why all drivers should compare prices for a specific zip code, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $1,002
• Using higher $1,000 deductibles will save about $260 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,774
• Choosing low deductibles for physical damage coverage bumps up the cost to $2,274
• Drivers with multiple violations and an at-fault accident could pay at least $3,838
• The price that insures a teen driver can be $6,442 or more

View Chart as Image

Insurance prices for an Audi S8 are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $2,100 to $2,800 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,600 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $6,400 a year. View Rates by Age

The state you live in has a huge impact on Audi S8 insurance prices. A driver around age 40 might see prices as low as $1,170 a year in states like Idaho, Maine, and Iowa, or as much as $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $760 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Audi S8 Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Shop around every other policy renewal by quoting rates from direct carriers, and also from several local insurance agents.

The list below is a brief summary of the ideas that were touched on in this article.

• Teenagers pay higher prices, with premiums as much as $537 a month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations pay on average $2,060 more every year for car insurance
• Increasing physical damage deductibles can save approximately $750 each year
• Drivers can save up to $220 per year just by quoting online in advance