Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive insurance costs an estimated $418, collision insurance costs $724, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $3,838 or more. Teen drivers cost the most to insure at up to $6,442 a year.

Average premium for full coverage: $1,774

Policy rates broken down by type of insurance:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all S8 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how where you live affects insurance prices.

The examples above show why everyone should get quotes for a targeted area and risk profile, 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 other coverage scenarios.

• The lowest rate with discounts is $1,002
• Choosing higher $1,000 deductibles can save approximately $260 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,774
• Choosing pricier low deductibles for comp and collision coverage will cost an extra $500 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,838
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $6,442 each year

View Chart as Image

Car insurance rates for an Audi S8 also range considerably based on your risk profile, the trim level of your S8, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $6,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay as low as $1,170 a year in states like Iowa, Maine, and Idaho, or as much as $2,530 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $760 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $2,100 to $2,800 extra every year, depending on your age. Audi S8 insurance for high-risk drivers ranges as much as 43% to 133% more than average. View High Risk Driver Rates

How to Find the Cheapest Audi S8 Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a recap of the data that was touched on in the above illustrations.

• Drivers can save approximately $220 per year just by quoting online well ahead of the renewal date
• Policyholders who want higher levels of liability will pay about $520 each year to raise limits from a 30/60 limit to 250/500 limits
• Teenage drivers have the highest car insurance rates, costing up to $537 each month if full coverage is included
• Higher risk drivers that have major violations or accidents pay an average of $2,060 more annually for auto insurance