Audi S8 Insurance Rates
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UPDATED: Jun 3, 2023
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Average insurance prices for an Audi S8 are $1,918 every 12 months for full coverage insurance. Comprehensive insurance costs on average $462, collision insurance costs $834, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, and coverage for high-risk drivers costs $4,166 or more. 16-year-old drivers receive the highest rates at up to $6,902 a year.
Average premium for full coverage: $1,918
Rate estimates by individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different S8 trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $514 for liability-only coverage to a much higher rate of $4,166 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of making a decision based on 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.
Additional Charts and Tables
The chart below illustrates average Audi S8 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,073
- Choosing higher $1,000 deductibles can save around $294 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,918
- Buying more expensive low deductibles for comp and collision coverage costs an extra $574 annually
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $4,166
- The cost to insure a 16-year-old driver with full coverage may cost $6,902 each year
Insurance rates for an Audi S8 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your S8.
Opting for high physical damage deductibles can save as much as $870 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,800 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $6,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $2,300 to $3,100 additional per year, depending on your age. High-risk driver insurance ranges from 45% to 134% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Audi S8 insurance prices. A good driver about age 40 could pay as low as $1,250 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,590 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,736 | -$182 | -9.5% |
| Alaska | $1,472 | -$446 | -23.3% |
| Arizona | $1,594 | -$324 | -16.9% |
| Arkansas | $1,918 | -$0 | 0.0% |
| California | $2,190 | $272 | 14.2% |
| Colorado | $1,834 | -$84 | -4.4% |
| Connecticut | $1,976 | $58 | 3.0% |
| Delaware | $2,174 | $256 | 13.3% |
| Florida | $2,400 | $482 | 25.1% |
| Georgia | $1,772 | -$146 | -7.6% |
| Hawaii | $1,380 | -$538 | -28.1% |
| Idaho | $1,300 | -$618 | -32.2% |
| Illinois | $1,430 | -$488 | -25.4% |
| Indiana | $1,446 | -$472 | -24.6% |
| Iowa | $1,296 | -$622 | -32.4% |
| Kansas | $1,824 | -$94 | -4.9% |
| Kentucky | $2,618 | $700 | 36.5% |
| Louisiana | $2,842 | $924 | 48.2% |
| Maine | $1,184 | -$734 | -38.3% |
| Maryland | $1,584 | -$334 | -17.4% |
| Massachusetts | $1,536 | -$382 | -19.9% |
| Michigan | $3,336 | $1,418 | 73.9% |
| Minnesota | $1,606 | -$312 | -16.3% |
| Mississippi | $2,300 | $382 | 19.9% |
| Missouri | $1,702 | -$216 | -11.3% |
| Montana | $2,060 | $142 | 7.4% |
| Nebraska | $1,514 | -$404 | -21.1% |
| Nevada | $2,300 | $382 | 19.9% |
| New Hampshire | $1,384 | -$534 | -27.8% |
| New Jersey | $2,144 | $226 | 11.8% |
| New Mexico | $1,702 | -$216 | -11.3% |
| New York | $2,020 | $102 | 5.3% |
| North Carolina | $1,106 | -$812 | -42.3% |
| North Dakota | $1,570 | -$348 | -18.1% |
| Ohio | $1,326 | -$592 | -30.9% |
| Oklahoma | $1,970 | $52 | 2.7% |
| Oregon | $1,758 | -$160 | -8.3% |
| Pennsylvania | $1,830 | -$88 | -4.6% |
| Rhode Island | $2,560 | $642 | 33.5% |
| South Carolina | $1,738 | -$180 | -9.4% |
| South Dakota | $1,620 | -$298 | -15.5% |
| Tennessee | $1,680 | -$238 | -12.4% |
| Texas | $2,314 | $396 | 20.6% |
| Utah | $1,422 | -$496 | -25.9% |
| Vermont | $1,314 | -$604 | -31.5% |
| Virginia | $1,150 | -$768 | -40.0% |
| Washington | $1,482 | -$436 | -22.7% |
| West Virginia | $1,760 | -$158 | -8.2% |
| Wisconsin | $1,330 | -$588 | -30.7% |
| Wyoming | $1,710 | -$208 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S8 | $718 | $1,436 | $372 | $2,684 |
| 2023 Audi S8 | $686 | $1,380 | $390 | $2,614 |
| 2022 Audi S8 | $658 | $1,368 | $398 | $2,582 |
| 2021 Audi S8 | $636 | $1,336 | $416 | $2,546 |
| 2020 Audi S8 | $612 | $1,280 | $430 | $2,480 |
| 2019 Audi S8 | $580 | $1,236 | $442 | $2,416 |
| 2018 Audi S8 | $558 | $1,146 | $452 | $2,314 |
| 2017 Audi S8 | $534 | $1,080 | $456 | $2,228 |
| 2016 Audi S8 | $512 | $968 | $460 | $2,098 |
| 2015 Audi S8 | $480 | $890 | $460 | $1,988 |
| 2014 Audi S8 | $462 | $834 | $464 | $1,918 |
| 2013 Audi S8 | $452 | $778 | $474 | $1,862 |
| 2007 Audi S8 | $340 | $478 | $460 | $1,436 |
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 Cheapest Audi S8 Insurance
Saving money on insurance for an Audi S8 takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at every other renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a recap of the concepts that were covered above.
- Drivers considered higher risk that have major violations or accidents pay on average $2,250 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers pay higher rates, costing up to $575 per month if full coverage is included
- It is possible to save as much as $240 per year just by shopping early and online
- Increasing deductibles could save as much as $875 each year
- It is possible to save as much as $240 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,902 |
| 20 | $4,418 |
| 30 | $2,020 |
| 40 | $1,918 |
| 50 | $1,746 |
| 60 | $1,714 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,492 |
| $250 | $2,224 |
| $500 | $1,918 |
| $1,000 | $1,624 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,918 |
| 50/100 | $2,011 |
| 100/300 | $2,127 |
| 250/500 | $2,428 |
| 100 CSL | $2,057 |
| 300 CSL | $2,312 |
| 500 CSL | $2,498 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,922 |
| 20 | $7,040 |
| 30 | $4,276 |
| 40 | $4,166 |
| 50 | $3,970 |
| 60 | $3,934 |
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 | $106 |
| Multi-vehicle | $100 |
| Homeowner | $27 |
| 5-yr Accident Free | $150 |
| 5-yr Claim Free | $127 |
| Paid in Full/EFT | $95 |
| Advance Quote | $99 |
| Online Quote | $141 |
| Total Discounts | $845 |
Discounts are estimated and may not be available from every company or in every state.
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