Audi S8 Insurance Rates

U.S. average insurance rates for an Audi S8 are $1,862 a year with full coverage. Comprehensive insurance costs approximately $452 each year, collision insurance costs $778, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $4,030 or more. Teenage drivers pay the highest rates at up to $6,710 a year.

Average premium for full coverage: $1,862

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and S8 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why all drivers should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below details average Audi S8 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $1,049
• Raising to $1,000 deductibles will save $280 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,862
• Using low deductibles will cost an additional $540 annually
• Drivers who are prone to accidents and violations could pay around $4,030
• The price that insures a 16-year-old driver can cost $6,710

View Chart as Image

Insurance prices for an Audi S8 are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $2,200 to $3,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,700 a year. View Rates by Age

The state you live in also has a big influence on Audi S8 insurance prices. A middle-age driver might find prices as low as $1,340 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,510 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $820 annually, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

How to Find Low Cost Audi S8 Insurance

Getting lower rates on insurance for an Audi S8 consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every year by getting quotes from direct companies, and also from local insurance agencies.

The following list is a review of the coverage data touched on above.

• You may be able to save around $230 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $825 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $559 a month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $2,170 more per year than a safer driver