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Audi S8 Insurance Cost [Rates + Cheap Coverage Guide]

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

Audi S8 insurance rates are a lot more expensive than the average vehicle, owed in part to its high MSRP. Full coverage for the Audi S8 averages $2,582 a year or $215 a month. The highest rates are for teens who’ll pay about $9,437 a year or $786 a month.

Good drivers can save up to $1,065 a year in policy discounts by following safe driving behaviors. We’re going to take a quick look at Audi S8 insurance rates, insurance loss probability rates, and more.

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.

Table of Contents

Audi S8 Insurance Cost

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

Are Audi S8s Expensive to Insure?

The chart below details how Audi S8 insurance rates compare to other luxury cars like the Mercedes-Benz S450, Chevrolet Corvette, and Audi A4.

Vehicle Comprehensive Collision Liability Total
Audi S8 $658 $1,368 $398 $2,582
Mercedes-Benz S450 $494 $982 $398 $2,032
Chevrolet Corvette $494 $922 $264 $1,790
Audi A4 $332 $656 $398 $1,544
Lexus ES 350 $362 $656 $316 $1,470
Audi S6 $444 $894 $398 $1,894
Jaguar XE $382 $774 $398 $1,712
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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?

Even though the average annual rate for the Audi S8 is $2,582, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Audi S8.

Age of the Vehicle

The average Audi S8 car insurance rates are higher for newer models. For example, car 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 $1,368 $398 $2,582
2017 Audi S8 $636 $1,336 $416 $2,546
2016 Audi S8 $612 $1,280 $430 $2,480
2015 Audi S8 $580 $1,236 $442 $2,416
2014 Audi S8 $558 $1,146 $452 $2,314
2013 Audi S8 $534 $1,080 $456 $2,228
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Driver Age

Driver age can have a significant effect on Audi S8 car insurance rates. For example, 20-year-old drivers pay $3,157 more for their Audi S8 car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Audi S8 insurance rates. For example, drivers in Houston may pay $1,903 a year more than drivers in Columbus.

Your Driving Record

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

Audi S8 Crash Test Ratings

Good Audi S8 crash test ratings can lower your Audi S8 auto insurance rates. See Audi S8 crash test results below:

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

The safety features of the Audi S8 can impact your Audi S8 car insurance rates. The Audi S8 has the following safety features:

  • Standard automated emergency braking with pedestrian detection
  • Standard lane-departure warning
  • Available adaptive cruise control with semi-autonomous driving mode

Audi S8 Insurance Loss Probability

Another contributing factor that plays a direct role in Audi S8 insurance rates is the loss probability for each type of coverage.

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

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.

  • Spy on Your Teen Driver
  • Wait Six Years for Accidents to Disappear from Your Record
  • Make Sure You’re Raising a Safe Driver
  • Remove Young Drivers from Your Audi S8 Insurance When They Move Out or Go to School
  • Ask About Loyalty Discounts

Top Audi S8 Insurance Companies

Who is the top car 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 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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