Audi S8 Insurance Rates

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UPDATED: Apr 12, 2024

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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:

Comprehensive $452
Collision $778
Liability $474

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

For the average driver, Audi S8 insurance prices range from the low end price of $522 for minimum levels of liability insurance to a high rate of $4,030 for a policy for a high-risk driver.

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

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.

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

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.

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

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

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

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.

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

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

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 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

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.

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