Audi S8 Insurance Rates

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UPDATED: Apr 12, 2024

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Average auto insurance rates for an Audi S8 are $1,774 annually for full coverage. Comprehensive insurance costs around $418 each year, collision costs $724, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $3,838 or more. Teen drivers receive the highest rates at $6,442 a year or more.

Average premium for full coverage: $1,774

Rate estimates for individual coverage type:

Comprehensive $418
Collision $724
Liability $474

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and S8 models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $522 for liability-only coverage to a high rate of $3,838 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,774
High Risk $3,838

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,331
Small Cities $1,863
Large Cities $2,395

These examples show why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $1,002
  • Drivers who choose higher $1,000 deductibles will pay about $260 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,774
  • Choosing low deductibles for comprehensive and collision insurance costs an additional $500 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $3,838 or more
  • The cost with full coverage for a 16-year-old driver can be $6,442 a year

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance prices range from $1,002 to $6,442

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,600 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $6,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $2,100 to $2,800 extra per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $760 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Audi S8 insurance prices. A 40-year-old driver could pay 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.

Audi S8 Insurance Rates by State
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%

View Chart as Image

Audi S8 insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to do a rate comparison from multiple companies. Every company uses a different rate calculation, so rate quotes can be significantly different between companies.

Audi S8 Insurance Rates by Model Year
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 Buy Low Cost Audi S8 Insurance

Saving money on insurance for an Audi S8 not only requires being a safe and courteous driver, but also having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates every year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a review of the coverage data presented in the illustrations above.

  • Drivers can save up to $220 per year simply by quoting online in advance
  • Increasing deductibles could save up to $750 each year
  • Teenage drivers are the costliest to insure, costing as high as $537 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have several accidents or serious violations pay an average of $2,060 more every year for auto insurance

Rates by Driver Age

Audi S8 Insurance 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

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,274
$250 $2,042
$500 $1,774
$1,000 $1,514

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
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

Audi S8 Insurance 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.

SR-22 Surcharge $250

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
Rate after discounts $1,002

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

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