Audi S8 Insurance Rates

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UPDATED: Apr 12, 2024

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U.S. average insurance rates for an Audi S8 are $1,774 a year including full coverage. Comprehensive insurance costs around $418, collision costs $724, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $3,838 or more. 16-year-old drivers pay the highest rates at $6,442 a year or more.

Average premium for full coverage: $1,774

Price estimates for individual coverage:

Comprehensive $418
Collision $724
Liability $474

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different S8 trim levels.

Price Range from Low to High

For an average driver, Audi S8 insurance prices go from as low as $522 for the bare minimum liability coverage to a much higher rate of $3,838 for a driver who requires high-risk insurance.

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

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

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

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using 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 Information

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

  • The best full coverage rate is $1,002
  • Drivers who choose higher $1,000 deductibles will pay about $260 every year
  • The average rate for the average middle-age driver using $500 deductibles is $1,774
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $500 each year
  • High-risk insureds with multiple tickets or accidents could pay at least $3,838 or more
  • The price for full coverage for a teenage driver with full coverage 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

Auto insurance prices for an Audi S8 are also quite variable based on your driving record, the model of your S8, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may only pay around $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $6,400 a year. View Rates by Age

The state you live in makes a big difference in Audi S8 insurance rates. A 40-year-old driver could pay as low as $1,360 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,530 on average in Michigan, New York, and Louisiana.

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

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

If you have some driving violations or tend to cause accidents, you are likely paying at least $2,100 to $2,800 in extra premium each year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to compare prices and see how they stack up. Every company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.

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 Find Cheaper Audi S8 Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a condensed summary of the concepts that were covered in the above illustrations.

  • Drivers with multiple at-fault accidents pay on average $2,060 more every year for S8 insurance
  • Teens are expensive to insure, possibly costing $537 a month if they have full coverage
  • You may be able to save up to $220 per year simply by shopping early and online
  • Increasing physical damage deductibles can save around $750 each year
  • You may be able to save up to $220 per year simply by shopping early and online

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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