Are Audi S8s Expensive to Insure? [Rates + Cheap Coverage Guide]

If you want to buy Audi S8 auto insurance coverage online then a policy will cost $215 per month ($2,582 per year) on average. Finding Audi S8 teenager insurance coverage can cost on average $9,437 a year, so shop around to find cheap rates.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 2, 2020

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Key takeaways:

  • Full coverage costs around $2,582 a year or $215 each month
  • A liability-only policy costs around $1,035 a year or $86 each month
  • Highest rates are for teenage drivers at around $9,437 a year or $786 each month
  • Good drivers can save as much as $1,065 a year by earning policy discounts
  • Audi S8 insurance costs around $1,063 more per year than the average vehicle

Finding economical Audi S8 insurance rates can be difficult. Audi S8 insurance costs around $1,063 more per year than the average vehicle. Luckily, our guide dissects insurance rates for an Audi S8 to help drivers save. Read on.

You can start comparing quotes for Audi S8 car insurance rates from some of the best car insurance companies by using our free online tool now.

Audi S8 Insurance Cost

The average Audi S8 auto insurance costs are $2,582 a year or $215 a month.

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Are Audi S8s Expensive to Insure?

The chart below details how Audi S8 insurance rates compare to other luxury cars like the Lexus GS 350, Cadillac CTS-V, and Mercedes-Benz CLS 550.

Vehicle Comprehensive Collision Liability Total
Audi S8 $658 $1368 $398 $2,582
Lexus GS 350 $370 $714 $338 $1,558
Cadillac CTS-V $406 $804 $338 $1,684
Mercedes-Benz CLS 550 $432 $952 $398 $1,940
Lexus IS 300 $356 $686 $398 $1,598
Mercedes-Benz E300 $394 $744 $338 $1,612
Mercedes-Benz S450 $494 $982 $398 $2,032
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However, there are a few things you can do to find the cheapest Audi insurance rates online.

What Impacts the Cost of Audi S8 Insurance?

The Audi S8 trim and model you choose will affect the total price you will pay for Audi S8 insurance coverage.

Age of the Vehicle

Older Audi S8 models generally cost less to insure. For example, auto insurance for a 2018 Audi S8 costs $2,582, while 2013 Audi S8 insurance costs are $2,228, a difference of $354.

Model Year Comprehensive Collision Liability Total
2018 Audi S8 $658 $1368 $398 $2,582
2017 Audi S8 $636 $1336 $416 $2,546
2016 Audi S8 $612 $1280 $430 $2,480
2015 Audi S8 $580 $1236 $442 $2,416
2014 Audi S8 $558 $1146 $452 $2,314
2013 Audi S8 $534 $1080 $456 $2,228
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Driver Age

Driver age can have a significant effect on Audi S8 car insurance rates. For example, 30-year-old drivers pay $114 more for Audi S8 car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Audi S8 insurance rates. For example, drivers in Los Angeles may pay $1,420 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on your Audi S8 auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Audi S8 car insurance with violations on their driving record.

Audi S8 Safety Ratings

The Audi S8’s safety ratings will affect your Audi S8 auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Audi S8 Crash Test Ratings

Audi S8 crash test ratings will affect your Audi S8 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Audi S8 4 DR AWD N/R N/R N/R N/R
2018 Audi S8 4 DR AWD N/R N/R N/R N/R
2017 Audi S8 4 DR AWD N/R N/R N/R N/R
2016 Audi S8 4 DR AWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Audi S8 Safety Features

Most drivers don’t realize that not only do Audi S8 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Audi S8 auto insurance rates. The Audi S8’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Audi connect Emergency SOS
  • Audi parking system plus Front And Rear Parking Sensors
  • Audi pre-sense basic
  • Lane Departure Warning
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Sideguard Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts
  • Top view with 360 surround-view Back-Up Camera
  • Top view with 360 surround-view Front Camera
  • Top view with 360 surround-view Left Side Camera
  • Top view with 360 surround-view Right Side Camera

Audi S8 Insurance Loss Probability

Review the Audi S8 car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Audi S8 auto insurance costs; higher percentages mean higher Audi S8 auto insurance costs.

Insurance Coverage Category Loss Rate
Collision 188%
Property Damage no data
Comprehensive 166%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Audi S8 Finance and Insurance Cost

If you are financing an Audi S8, you will pay more if you purchase Audi S8 auto insurance at the dealership, so be sure to shop around and compare Audi S8 auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Audi S8 Insurance

Save more on your Audi S8 car insurance rates. Take a look at the following five strategies that will get you the best Audi S8 auto insurance rates possible.

  • Audit Your Audi S8 Driving When You Move to a New Location or Start a New Job
  • Watch Your Insurer Closely When Your Audi S8 Needs Repairs
  • Purchase a Roadside Assistance Program for Your Audi S8
  • Add a More Experienced Driver to Your Audi S8 Policy
  • Don’t Assume your Audi S8 is Cheaper to Insure than another vehicle. Compare. Compare. Compare.

Top Audi S8 Insurance Companies

Who is the top auto insurance company for Audi S8 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Audi S8 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Audi S8 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Audi S8 Insurance Quotes Online

You can start comparing quotes for Audi S8 insurance from some of the top car insurance companies by using our free online tool today.

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