Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive insurance costs around $418 a year, 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. Teens cost the most to insure at up to $6,442 a year.

Average premium for full coverage: $1,774

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.

The examples above show why it is important to get quotes for a specific zip code, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $1,002
• Choosing higher $1,000 deductibles can save about $1,514 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,774
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $500 every year
• Unlucky drivers with serious driving violations could pay at least $3,838
• Policy cost that insures a teen driver can be $6,442 each year

View Chart as Image

Car insurance rates for an Audi S8 also range considerably based on the trim level of your S8, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $2,100 to $2,800 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $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 Idaho, Maine, and Iowa, or have to pay at least $2,530 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $760 every year, while buying higher liability limits will increase rates. 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

How to Find Affordable Audi S8 Insurance

Finding cheaper rates on car insurance takes being a good driver, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare rates at least once a year by getting quotes from direct carriers, and also from several local insurance agents.

The following list is a brief review of the primary concepts that were touched on above.

• Drivers can save up to $220 per year just by quoting early and online
• Higher risk drivers with DUI or reckless driving convictions pay on average $2,060 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $750 each year
• Drivers age 16 to 20 are the costliest to insure, costing up to $537 each month if full coverage is purchased