Audi S8 Insurance Rates
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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
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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:
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.
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.
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
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.
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% |
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
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $2,402 |
$250 | $2,154 |
$500 | $1,862 |
$1,000 | $1,582 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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