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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The average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive costs approximately $418, collision costs $724, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $3,838. 16-year-old drivers cost the most to insure at $6,442 a year or more.
Average premium for full coverage: $1,774
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all S8 models.
Price Range Variability
For a driver around age 40, Audi S8 insurance rates go from the low end price of $522 for just the minimum liability insurance to the much higher price of $3,838 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above show why everyone should compare rates using their specific location, instead of making a decision based on rate 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 Rate Analysis
The chart below shows estimated Audi S8 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,002
- Drivers who choose higher $1,000 deductibles will pay $260 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,774
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,274
- Drivers with multiple tickets or accidents could pay around $3,838 or more
- Policy cost that insures a 16-year-old driver for full coverage can cost $6,442 a year
Car insurance rates for an Audi S8 also range considerably based on the model of your S8, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $2,100 to $2,800 extra every year, depending on your age. Audi S8 insurance for high-risk drivers can cost from 43% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $6,400 a year. View Rates by Age
Your home state 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 Iowa, Maine, and Idaho, or at least $2,530 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $760 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so rate quotes will be varied.
| 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 Find the Best Cheap Audi S8 Insurance
Finding cheaper rates on insurance for an Audi S8 not only requires having a decent driving record, but also having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Comparison shop every time your policy renews by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The following items are a quick review of the information covered above.
- Drivers can save around $220 per year simply by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $537 each month if full coverage is purchased
- Increasing comprehensive and collision deductibles can save approximately $750 each year
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $2,060 more per year than a driver with a clean driving record
- Insureds who purchase additional liability coverage will pay around $520 each year to go from a 30/60 limit to the 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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