Audi S8 Insurance Rates

The average insurance rates for an Audi S8 are $1,774 a year for full coverage. Comprehensive insurance costs an estimated $418 a year, collision insurance costs $724, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $3,838 or more. Teen drivers cost the most to insure at up to $6,442 a year.

Average premium for full coverage: $1,774

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and S8 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to compare rates for a targeted area, rather than relying on price averages.

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

Additional Rate Details

The chart below shows average Audi S8 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $1,002
• Drivers who choose higher $1,000 deductibles will pay approximately $1,514 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,774
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $500 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,838
• Policy cost that insures a teen driver can cost as much as $6,442 a year

View Chart as Image

Auto insurance rates for an Audi S8 also range considerably based on the trim level of your S8, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $2,100 to $2,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $6,400 a year. View Rates by Age

Your home state makes a big difference in Audi S8 insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Iowa, Maine, and Idaho, or as much as $2,530 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $760 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Audi S8 Insurance

Finding cheaper rates on Audi S8 insurance not only requires having a decent driving record, but also maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around at every other renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a summary of the concepts that were touched on above.

• High-risk drivers who have multiple accidents or major violations may pay on average $2,060 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, costing up to $537 each month if the policy includes full coverage
• Drivers can save approximately $220 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $750 each year
• Drivers can save approximately $220 per year just by quoting early and online