Audi S8 Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance prices for an Audi S8 are $1,462 every 12 months with full coverage. Comprehensive costs around $346 each year, collision costs $490, and liability is $468. Buying just liability costs around $518 a year, with insurance for high-risk drivers costing around $3,136. Teenage drivers receive the highest rates at $5,402 a year or more.
Average premium for full coverage: $1,462
Rate estimates for individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and S8 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $518 for basic liability insurance to a high rate of $3,136 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why all drivers should compare rates quotes for a specific zip code 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.
The chart below details estimated Audi S8 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $853
- Raising to $1,000 deductibles will save about $192 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,462
- Using low deductibles increases the price to $1,824
- At-risk drivers who are prone to accidents and violations could pay at least $3,136 or more
- The cost to insure a teen driver can be $5,402
Auto insurance rates for an Audi S8 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $560 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $421 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on Audi S8 insurance prices. A middle-age driver might find rates as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,980 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2007 Audi S8||$346||$490||$468||$1,462|
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 Best Audi S8 Insurance
Saving money on car insurance consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a brief recap of the material that was covered above.
- Policyholders who may need higher liability limits will pay an extra $520 every year to raise from a minimum limit to a 250/500 level
- Teenagers are expensive to insure, with premiums as much as $450 per month if comprehensive and collision insurance is included
- Higher risk drivers who tend to receive serious violations pay on average $1,670 more every year for car insurance
- Increasing deductibles could save as much as $550 each year
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$102|
|5-yr Claim Free||$94|
|Paid in Full/EFT||$64|
Discounts are estimated and may not be available from every company or in every state.