Audi S8 Insurance Rates

Estimated auto insurance rates for an Audi S8 are $1,862 annually with full coverage. Comprehensive insurance costs on average $452 a year, collision insurance costs $778, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $4,030 or more. Teenage drivers pay the most at up to $6,710 a year.

Average premium for full coverage: $1,862

Premium estimates by type of coverage:

Prices include $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and S8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

These rate differences demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below details average Audi S8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,049
• Choosing higher $1,000 deductibles can save around $1,582 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,862
• Using low $100 deductibles for comp and collision coverage costs an additional $540 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,030
• An auto insurance policy with full coverage for a 16-year-old driver may cost $6,710 each year

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Insurance prices for an Audi S8 also have a wide range based on the model of your S8, your driving record, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $6,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $2,200 to $3,000 additional annually, depending on your age. A high-risk auto insurance policy ranges from 45% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $820 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay as low as $1,340 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,510 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy the Right Audi S8 Insurance

Finding better rates on insurance for an Audi S8 takes not taking risks behind the wheel, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by getting rate quotes from direct companies, and also from local independent and exclusive agents.

The following is a quick rundown of the data presented in the illustrations above.

• Insureds who require higher liability limits will pay an extra $520 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save as much as $230 per year just by quoting early and online
• Increasing policy deductibles could save up to $825 each year
• Teens pay higher prices, possibly costing $559 per month if they have full coverage