Audi S8 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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...

Licensed Insurance Agent

UPDATED: Apr 12, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for an Audi S8 are $1,862 a year with full coverage. Comprehensive insurance costs on average $452, collision costs $778, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $4,030 or more. Teens cost the most to insure at $6,710 a year or more.

Average premium for full coverage: $1,862

Policy rates by type of insurance:

Comprehensive $452
Collision $778
Liability $474

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all S8 models.

Price Range Variability

For the average 40-year-old driver, Audi S8 insurance rates go from the low end price of $522 for just liability coverage to the much higher price of $4,030 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,862
High Risk $4,030

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on car insurance rates.

Rural Areas $1,397
Small Cities $1,955
Large Cities $2,514

The examples above demonstrate why everyone should compare rates quotes based on a specific location, instead of making a decision based on averaged prices.

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.

Detailed Rate Analysis

The chart below details estimated Audi S8 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $1,049
  • Raising to $1,000 deductibles will save around $280 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,862
  • Selecting pricier low deductibles will cost an additional $540 annually
  • Drivers with serious driving violations could pay upwards of $4,030 or more
  • Policy cost that insures a 16-year-old driver for full coverage may cost $6,710

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance prices range from $1,049 to $6,710

Auto insurance rates for an Audi S8 also range considerably based on the model of your S8, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $2,200 to $3,000 in extra premium every year, depending on your age. Audi S8 insurance for high-risk drivers is expensive and can cost from 45% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $6,700 a year. View Rates by Age

Your home state also has a big influence on Audi S8 insurance prices. A middle-age driver might find rates as low as $1,340 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,510 on average in Florida, Michigan, and New York.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,684 -$178 -9.6%
Alaska $1,428 -$434 -23.3%
Arizona $1,544 -$318 -17.1%
Arkansas $1,862 -$0 0.0%
California $2,122 $260 14.0%
Colorado $1,778 -$84 -4.5%
Connecticut $1,914 $52 2.8%
Delaware $2,108 $246 13.2%
Florida $2,330 $468 25.1%
Georgia $1,718 -$144 -7.7%
Hawaii $1,338 -$524 -28.1%
Idaho $1,260 -$602 -32.3%
Illinois $1,386 -$476 -25.6%
Indiana $1,402 -$460 -24.7%
Iowa $1,256 -$606 -32.5%
Kansas $1,770 -$92 -4.9%
Kentucky $2,540 $678 36.4%
Louisiana $2,756 $894 48.0%
Maine $1,148 -$714 -38.3%
Maryland $1,534 -$328 -17.6%
Massachusetts $1,488 -$374 -20.1%
Michigan $3,234 $1,372 73.7%
Minnesota $1,558 -$304 -16.3%
Mississippi $2,228 $366 19.7%
Missouri $1,652 -$210 -11.3%
Montana $1,998 $136 7.3%
Nebraska $1,468 -$394 -21.2%
Nevada $2,234 $372 20.0%
New Hampshire $1,342 -$520 -27.9%
New Jersey $2,080 $218 11.7%
New Mexico $1,650 -$212 -11.4%
New York $1,962 $100 5.4%
North Carolina $1,072 -$790 -42.4%
North Dakota $1,526 -$336 -18.0%
Ohio $1,286 -$576 -30.9%
Oklahoma $1,914 $52 2.8%
Oregon $1,706 -$156 -8.4%
Pennsylvania $1,776 -$86 -4.6%
Rhode Island $2,482 $620 33.3%
South Carolina $1,686 -$176 -9.5%
South Dakota $1,572 -$290 -15.6%
Tennessee $1,630 -$232 -12.5%
Texas $2,244 $382 20.5%
Utah $1,378 -$484 -26.0%
Vermont $1,274 -$588 -31.6%
Virginia $1,114 -$748 -40.2%
Washington $1,440 -$422 -22.7%
West Virginia $1,706 -$156 -8.4%
Wisconsin $1,288 -$574 -30.8%
Wyoming $1,660 -$202 -10.8%

View Chart as Image

Audi S8 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $820 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates will be varied.

Audi S8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S8 $686 $1,380 $390 $2,614
2023 Audi S8 $658 $1,368 $398 $2,582
2022 Audi S8 $636 $1,336 $416 $2,546
2021 Audi S8 $612 $1,280 $430 $2,480
2020 Audi S8 $580 $1,236 $442 $2,416
2019 Audi S8 $558 $1,146 $452 $2,314
2018 Audi S8 $534 $1,080 $456 $2,228
2017 Audi S8 $512 $968 $460 $2,098
2016 Audi S8 $480 $890 $460 $1,988
2015 Audi S8 $462 $834 $464 $1,918
2014 Audi S8 $452 $778 $474 $1,862
2013 Audi S8 $418 $724 $474 $1,774
2007 Audi S8 $334 $456 $452 $1,400

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 Right Audi S8 Insurance

Finding cheaper rates on insurance for an Audi S8 consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare rates at every policy renewal by obtaining price quotes from direct companies, and also from several local insurance agents.

The items below are a quick rundown of the data touched on in this article.

  • Insureds who require more liability coverage will pay approximately $520 every year to raise from a 30/60 limit to the 250/500 level
  • You may be able to save as much as $230 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $825 each year
  • Teen drivers are charged the highest rates, as much as $559 each month if the policy includes full coverage

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $6,710
20 $4,268
30 $1,956
40 $1,862
50 $1,694
60 $1,662

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,402
$250 $2,154
$500 $1,862
$1,000 $1,582

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,862
50/100 $1,957
100/300 $2,075
250/500 $2,383
100 CSL $2,004
300 CSL $2,265
500 CSL $2,455

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $9,636
20 $6,806
30 $4,134
40 $4,030
50 $3,840
60 $3,804

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 $262

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $102
Multi-vehicle $97
Homeowner $27
5-yr Accident Free $143
5-yr Claim Free $123
Paid in Full/EFT $90
Advance Quote $95
Online Quote $136
Total Discounts $813
Rate after discounts $1,049

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles