Audi S8 Insurance Rates

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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

UPDATED: Apr 12, 2024

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The average insurance prices for an Audi S8 are $1,918 every 12 months for full coverage. Comprehensive costs on average $462, collision costs $834, and liability is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing around $4,166. Teenage drivers cost the most to insure at $6,902 a year or more.

Average premium for full coverage: $1,918

Policy rates by type of insurance:

Comprehensive $462
Collision $834
Liability $464

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different S8 trim levels.

Price Range Variability

For the average 40-year-old driver, Audi S8 insurance rates go from the cheapest price of $514 for just liability coverage to a much higher rate of $4,166 for a driver required to buy high-risk insurance.

Liability Only $514
Full Coverage $1,918
High Risk $4,166

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.

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

Rural Areas $1,439
Small Cities $2,014
Large Cities $2,589

The examples above show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of using average rates.

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 shows estimated Audi S8 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $1,073
  • Choosing higher $1,000 deductibles can save around $294 a year
  • The average price for a good driver age 40 with $500 deductibles is $1,918
  • Using more expensive low deductibles for comp and collision coverage increases the price to $2,492
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $4,166 or more
  • Policy cost to insure a teen driver with full coverage may cost $6,902 each year

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance rates range from $1,073 to $6,902

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

Using high physical damage deductibles can save as much as $870 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,800 annually on average, or $150 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $6,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $2,300 to $3,100 additional every year, depending on your age. High-risk driver insurance ranges as much as 45% to 134% more than a normal policy. View High Risk Driver Rates

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 $1,260 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,740 on average in Michigan, Louisiana, and New York.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,736 -$182 -9.5%
Alaska $1,472 -$446 -23.3%
Arizona $1,594 -$324 -16.9%
Arkansas $1,918 -$0 0.0%
California $2,190 $272 14.2%
Colorado $1,834 -$84 -4.4%
Connecticut $1,976 $58 3.0%
Delaware $2,174 $256 13.3%
Florida $2,400 $482 25.1%
Georgia $1,772 -$146 -7.6%
Hawaii $1,380 -$538 -28.1%
Idaho $1,300 -$618 -32.2%
Illinois $1,430 -$488 -25.4%
Indiana $1,446 -$472 -24.6%
Iowa $1,296 -$622 -32.4%
Kansas $1,824 -$94 -4.9%
Kentucky $2,618 $700 36.5%
Louisiana $2,842 $924 48.2%
Maine $1,184 -$734 -38.3%
Maryland $1,584 -$334 -17.4%
Massachusetts $1,536 -$382 -19.9%
Michigan $3,336 $1,418 73.9%
Minnesota $1,606 -$312 -16.3%
Mississippi $2,300 $382 19.9%
Missouri $1,702 -$216 -11.3%
Montana $2,060 $142 7.4%
Nebraska $1,514 -$404 -21.1%
Nevada $2,300 $382 19.9%
New Hampshire $1,384 -$534 -27.8%
New Jersey $2,144 $226 11.8%
New Mexico $1,702 -$216 -11.3%
New York $2,020 $102 5.3%
North Carolina $1,106 -$812 -42.3%
North Dakota $1,570 -$348 -18.1%
Ohio $1,326 -$592 -30.9%
Oklahoma $1,970 $52 2.7%
Oregon $1,758 -$160 -8.3%
Pennsylvania $1,830 -$88 -4.6%
Rhode Island $2,560 $642 33.5%
South Carolina $1,738 -$180 -9.4%
South Dakota $1,620 -$298 -15.5%
Tennessee $1,680 -$238 -12.4%
Texas $2,314 $396 20.6%
Utah $1,422 -$496 -25.9%
Vermont $1,314 -$604 -31.5%
Virginia $1,150 -$768 -40.0%
Washington $1,482 -$436 -22.7%
West Virginia $1,760 -$158 -8.2%
Wisconsin $1,330 -$588 -30.7%
Wyoming $1,710 -$208 -10.8%

View Chart as Image

Audi S8 insurance rates by U.S. city

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied.

Audi S8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S8 $718 $1,436 $372 $2,684
2023 Audi S8 $686 $1,380 $390 $2,614
2022 Audi S8 $658 $1,368 $398 $2,582
2021 Audi S8 $636 $1,336 $416 $2,546
2020 Audi S8 $612 $1,280 $430 $2,480
2019 Audi S8 $580 $1,236 $442 $2,416
2018 Audi S8 $558 $1,146 $452 $2,314
2017 Audi S8 $534 $1,080 $456 $2,228
2016 Audi S8 $512 $968 $460 $2,098
2015 Audi S8 $480 $890 $460 $1,988
2014 Audi S8 $462 $834 $464 $1,918
2013 Audi S8 $452 $778 $474 $1,862
2007 Audi S8 $340 $478 $460 $1,436

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 Shop for the Right Audi S8 Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at every policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below you'll find a quick rundown of the data touched on in this article.

  • Policyholders who require more liability protection will pay an extra $510 each year to raise limits from a 30/60 limit to a 250/500 level
  • Drivers can save as much as $240 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $875 each year
  • Youthful drivers pay higher rates, costing up to $575 each month if full coverage is included

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $6,902
20 $4,418
30 $2,020
40 $1,918
50 $1,746
60 $1,714

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,492
$250 $2,224
$500 $1,918
$1,000 $1,624

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,918
50/100 $2,011
100/300 $2,127
250/500 $2,428
100 CSL $2,057
300 CSL $2,312
500 CSL $2,498

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $9,922
20 $7,040
30 $4,276
40 $4,166
50 $3,970
60 $3,934

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 $273

Potential Rate Discounts

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

Discount Savings
Multi-policy $106
Multi-vehicle $100
Homeowner $27
5-yr Accident Free $150
5-yr Claim Free $127
Paid in Full/EFT $95
Advance Quote $99
Online Quote $141
Total Discounts $845
Rate after discounts $1,073

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

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