Audi S8 Insurance Rates

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

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: Jun 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $346
Collision $490
Liability $468

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.

Liability Only $518
Full Coverage $1,462
High Risk $3,136

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.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

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.

Rate Comparisons

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

View Chart as Image

Audi S8 insurance cost comparison chart
Column chart showing full coverage Audi S8 insurance rates range from $853 to $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.

Audi S8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,322 -$140 -9.6%
Alaska $1,122 -$340 -23.3%
Arizona $1,212 -$250 -17.1%
Arkansas $1,462 -$0 0.0%
California $1,666 $204 14.0%
Colorado $1,398 -$64 -4.4%
Connecticut $1,502 $40 2.7%
Delaware $1,654 $192 13.1%
Florida $1,830 $368 25.2%
Georgia $1,350 -$112 -7.7%
Hawaii $1,050 -$412 -28.2%
Idaho $990 -$472 -32.3%
Illinois $1,090 -$372 -25.4%
Indiana $1,102 -$360 -24.6%
Iowa $986 -$476 -32.6%
Kansas $1,390 -$72 -4.9%
Kentucky $1,996 $534 36.5%
Louisiana $2,164 $702 48.0%
Maine $904 -$558 -38.2%
Maryland $1,206 -$256 -17.5%
Massachusetts $1,170 -$292 -20.0%
Michigan $2,540 $1,078 73.7%
Minnesota $1,224 -$238 -16.3%
Mississippi $1,752 $290 19.8%
Missouri $1,296 -$166 -11.4%
Montana $1,572 $110 7.5%
Nebraska $1,154 -$308 -21.1%
Nevada $1,754 $292 20.0%
New Hampshire $1,052 -$410 -28.0%
New Jersey $1,634 $172 11.8%
New Mexico $1,296 -$166 -11.4%
New York $1,542 $80 5.5%
North Carolina $842 -$620 -42.4%
North Dakota $1,196 -$266 -18.2%
Ohio $1,010 -$452 -30.9%
Oklahoma $1,500 $38 2.6%
Oregon $1,338 -$124 -8.5%
Pennsylvania $1,394 -$68 -4.7%
Rhode Island $1,950 $488 33.4%
South Carolina $1,324 -$138 -9.4%
South Dakota $1,236 -$226 -15.5%
Tennessee $1,280 -$182 -12.4%
Texas $1,762 $300 20.5%
Utah $1,082 -$380 -26.0%
Vermont $1,000 -$462 -31.6%
Virginia $878 -$584 -39.9%
Washington $1,130 -$332 -22.7%
West Virginia $1,338 -$124 -8.5%
Wisconsin $1,012 -$450 -30.8%
Wyoming $1,304 -$158 -10.8%

View Chart as Image

Audi S8 insurance rates by U.S. city

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.

Audi S8 Insurance Rates by Model Year
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

Rates by Driver Age

Audi S8 Insurance Rates by Driver Age
Driver Age Premium
16 $5,402
20 $3,310
30 $1,522
40 $1,462
50 $1,332
60 $1,304

Full coverage, $500 deductibles

Rates by Deductible

Audi S8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,824
$250 $1,658
$500 $1,462
$1,000 $1,270

Full coverage, driver age 40

Rates by Liability Limit

Audi S8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,462
50/100 $1,556
100/300 $1,673
250/500 $1,977
100 CSL $1,602
300 CSL $1,860
500 CSL $2,047

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S8 Insurance Rates for High Risk Drivers
Age Premium
16 $7,698
20 $5,270
30 $3,200
40 $3,136
50 $2,988
60 $2,958

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 $198

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $102
5-yr Claim Free $94
Paid in Full/EFT $64
Advance Quote $70
Online Quote $104
Total Discounts $609
Rate after discounts $853

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles