Audi S8 Insurance Rates

Estimated insurance prices for an Audi S8 are $1,862 every 12 months for full coverage. Comprehensive costs on average $452 each year, collision insurance costs $778, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $4,030. Teenage drivers pay the most at up to $6,710 a year.

Average premium for full coverage: $1,862

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and S8 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

These rate differences show why all drivers should get quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below shows average Audi S8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,049
• Choosing higher $1,000 deductibles can save around $280 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,862
• Using low deductibles for comp and collision coverage increases the price to $2,402
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,030
• An auto insurance policy to insure a 16-year-old driver may cost $6,710 each year

View Chart as Image

Insurance prices for an Audi S8 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your S8.

Using high physical damage deductibles can save as much as $820 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $6,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,200 to $3,000 extra annually, depending on your age. Insurance for high-risk drivers ranges from 45% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,660 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Cheaper Audi S8 Insurance

Finding better rates on insurance for an Audi S8 takes having a good driving record, having good credit, not filing small claims, and determing if full coverage is necessary. Invest time comparing rates once a year by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

The next list is a condensed summary of the data that was covered in the charts and tables above.

• Drivers can save as much as $230 per year just by quoting online in advance
• Insureds who require increased levels of liability coverage will pay an extra $520 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers age 20 and younger pay the highest prices, as much as $559 per month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents pay an average of $2,170 more each year to buy Audi S8 insurance