Audi S8 Insurance Rates

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

Average premium for full coverage: $1,774

Rate estimates for individual coverage type:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different S8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $1,002
• Drivers who choose higher $1,000 deductibles will pay about $260 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,774
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $500 each year
• High-risk insureds who are prone to accidents and violations could pay at least $3,838
• The cost for full coverage for a teenage driver with full coverage can be $6,442 a year

View Chart as Image

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

An older driver with no driving violations and high deductibles may only pay around $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $6,400 a year. View Rates by Age

Where you live makes a big difference in Audi S8 insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,390 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $760 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $2,100 to $2,800 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

How to Find the Right Audi S8 Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a quick rundown of the primary concepts that were covered in the above illustrations.

• It is possible to save up to $220 per year just by shopping early and online
• Drivers with reckless driving or DUI convictions may pay on average $2,060 more every year for auto insurance
• Increasing deductibles can save around $750 each year
• Teenage drivers are the costliest to insure, costing up to $537 per month if full coverage is included