Audi S8 Insurance Rates

Average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive insurance costs on average $418 a year, collision insurance costs $724, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $3,838 or more. Teens receive the highest rates at up to $6,442 a year.

Average premium for full coverage: $1,774

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and S8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects car insurance rates.

These examples show why it is important to compare prices based on a specific location, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $1,002
• Using higher $1,000 deductibles will save around $1,514 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,774
• Selecting low $100 deductibles for physical damage coverage will cost an additional $500 a year
• Drivers with serious driving violations could pay upwards of $3,838
• The cost that insures a teen driver may cost $6,442 or more

View Chart as Image

Car insurance rates for an Audi S8 can also vary considerably based on the trim level of your S8, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $2,100 to $2,800 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $6,400 a year. View Rates by Age

Where you live has a huge impact on Audi S8 insurance rates. A driver around age 40 might see rates as low as $1,170 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $760 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Affordable Audi S8 Insurance

Saving money on Audi S8 insurance requires being a good driver, having a positive credit history, eliminating unneeded coverage, and possibly raising deductibles. Compare rates every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the information touched on in the above illustrations.

• Drivers can save as much as $220 per year just by quoting early and online
• Drivers age 16 to 20 are expensive to insure, costing as high as $537 per month if full coverage is purchased
• Increasing deductibles can save approximately $750 each year
• High-risk drivers with DUI or reckless driving convictions may pay on average $2,060 more each year than a safer driver
• Drivers who require an increased level of liability coverage will pay approximately $520 each year to increase from a minimum limit to the 250/500 level