Audi S8 Insurance Rates
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UPDATED: Apr 12, 2024
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Estimated insurance prices for an Audi S8 are $1,862 every 12 months for full coverage insurance. Comprehensive costs an estimated $452, collision insurance costs $778, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $4,030. 16-year-old drivers pay the most at up to $6,710 a year.
Average premium for full coverage: $1,862
Premium estimates broken down by type of coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all S8 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for an Audi S8 range from the cheapest price of $522 for a discount liability-only rate to the much higher price of $4,030 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The example below illustrates how geographic area affects insurance prices.
These rate differences illustrate why everyone should get quotes for a targeted area and their own driving history, instead of using rate averages.
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.
Rates by State, City, and Model
The chart below illustrates average Audi S8 insurance rates for other coverage scenarios.
- The best full coverage rate is $1,049
- Choosing higher $1,000 deductibles can save approximately $280 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,862
- Buying pricier low deductibles for comp and collision coverage increases the price to $2,402
- Unlucky drivers with multiple tickets or accidents could pay up to $4,030
- An auto insurance policy to insure a teen driver for full coverage can cost as much as $6,710 each year
Auto insurance prices for an Audi S8 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $820 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $6,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $2,200 to $3,000 in extra premium annually, depending on your age. Audi S8 insurance for high-risk drivers ranges as much as 45% to 132% more than the average rate. View High Risk Driver Rates
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 $1,220 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,510 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for More Affordable Audi S8 Insurance
Finding better rates on car insurance takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a summary of the material that was presented in the illustrations above.
- Policyholders who want an increased level of liability coverage will pay around $520 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $559 per month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $2,170 more annually than a safer driver
- Increasing policy deductibles could save as much as $825 each year
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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