Audi S8 Car Insurance: How Much Should You Expect to Pay?

Audi S8 owners pay an average of $220 a month for their auto insurance rates. Take a look at our most recent guide to see how much insurance carriers might charge you to insure your Audi S8.
man driving newly insured car
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Quick Facts

  • An Audi S8 is more expensive to insure compared to the average car.
  • Full coverage for a S8 typically runs around $255 per month, while liability only car insurance premiums tend to be about $77.
  • The most affordable auto insurance carrier for a S8 is Commonwealth Casualty, who offers liability only coverage for as low as just $23 monthly, on average.

S8 Overview

We combed through thousands of insurance quotes on, and we've determined that, on average, Audi S8 car insurance prices run around $220 a month. But how does that stack up to other similar cars out there on the market?

Current Base Price$115,900
Body Style(s)Car
Average Insurance Premium$220/mo.
Cheapest Insurance CompanyCommonwealth Casualty

How Much is Car Insurance for an Audi S8?

Vehicle Liability Only Full Coverage
Audi S8$77$255
All Audi Models$80$190
All Cars$83$177
Average Insurance Premium$81$169

You'll see in the table above that Audi S8 insurance rates are higher than average. S8 drivers generally pay about $255 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $77 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Comparing it to other models, the S8 is more expensive, with prices around 34% higher than the other vehicle types offered by Audi. But compared to other vehicles of a similar body style, S8 coverage runs close to average, with liability insurance premiums $6 cheaper than other cars and full coverage insurance prices coming in $78 higher.

When compared to all vehicles, regardless of model, make, or body style, the S8 is slightly cheaper for liability only auto insurance, but full coverage rates are more expensive on average.

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Who has the Cheapest Car Insurance for an Audi S8?

Insurance Company Average Monthly Premium
Commonwealth Casualty$23

Searching for a car insurance policy for your Audi S8? You may be wondering which company offers the lowest premiums. While there will never be one carrier that offers the lowest premiums for everyone, the cheapest average rates for liability only insurance are as little as $23 monthly from Commonwealth Casualty. With car insurance as cheap as just $25 a month, Mercury is the next most affordable insurance company.

Completing the top 5 companies are Elephant, Clearcover, and StateAuto. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies use many different factors and complex formulas to calculate rates. By pulling quotes from several auto insurance carriers at once, you can be confident you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for an Audi S8?

There are a whole bunch of factors that car insurance companies reference to decide how much they charge you for insurance -- and every carrier uses a different algorithm, so there's not one company that's the lowest for each S8 owner.

The sections below show quite a few things auto insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$41
2-3 Years$33
4-5 Years$37
6-7 Years$60
8-10 Years$99
11-14 Years$126
15 Years or Older$51

Audi has been making the S8 for quite some time, so the car's age may play a role in how much you'll pay for car insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and S8s begin to depreciate, insurance costs will gradually decrease.

A new Audi S8 model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Audi S8s to insure are those that are 11 to 14 years old, while the cheapest models are S8s that are 2 to 3 years old, on average.

Your Age

Age Average Monthly Premium

Age plays a big role in how much you pay for insurance. As you can see above, those who have more experience on the road pay less compared to younger S8 drivers. Audi S8 drivers 18 to 24 actually pay over three times as much as those 25 or older.

Car insurance prices continue to go down as you get older, with drivers aged 35-44 making up the cheapest age group for the S8.

Your Gender

Gender Average Monthly Premium

Because women are less likely to get speeding tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance companies will often charge women less than men. The Audi S8 is no different, and women pay about 22% less than men per month for auto insurance.

Where You Live

State Average Monthly Premium
New York$55

You might think it's common sense that variables like how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live is equally important? Because car insurance is regulated at the state level, premiums can fluctuate quite a bit from state to state.

For example, the average Audi S8 driver from New York pays around $55 monthly for liability coverage, while the same owner in California will pay $13 less than that price, on average.

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Audi S8 Car Insurance Discounts

Whatever what state you call home, what vehicle you drive, or how old you are, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a policy.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

  • Multi-policy discounts for using the same insurance carrier for both your home and car insurance
  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Pay-in-full discounts for drivers who agree to pay their entire policy premium up front, rather than in monthly installments
  • Multi-car discounts for having several vehicles on your auto policy

While discounts are always a good way to save money on your car insurance, sometimes, it's actually your driving record and insurance profile that get you the most affordable rates.

Of course, you can't control every single aspect of your insurance profile (like some of the variables we mentioned above), but there is quite a bit that you can control. Below are just a few of the ones you can use in your favor when it comes to saving money:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$115
Multiple AccidentsNot Enough Data
1 TicketNot Enough Data
Multiple Tickets$38

You've no doubt heard ads from car insurance carriers posting big discounts for responsible drivers. It shouldn't come as a surprise that your auto insurance rates will increase if you get into a collision or get speeding tickets. But how much will they cost you?

As you can see, accidents will usually cost S8 drivers more than tickets, but both will result in higher than normal rates. The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
2,501-5,000 Miles$63
5,001-7,500 Miles$60
7,501-10,000 Miles$58
10,000+ Miles$158

The total distance you drive each year plays a role when it comes to your insurance prices. Drivers who are on the roads less are less likely to get into accidents, so they'll usually end up spending less on auto insurance.

If you don't drive much because you work from home or have a second vehicle, you might consider choosing a usage-based or pay-per-mile car insurance policy. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Audi S8s Compare to Other Vehicles?

If you're considering making an Audi S8 your next vehicle, it can pay off to do your due diligence. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth taking into consideration.

Review the table below to see how the Audi S8 stacks up:

Audi S8 National Average
Liability Insurance$81-
Full Coverage Insurance$169-
Base MSRP$43,875-
Average Annual Mileage11,6177,523

Full coverage insurance for an Audi S8 is, while liability only coverage is per month.

When it comes to usage, Audi S8 drivers are much lower than the national average in annual miles driven, with 11,617 miles for all vehicles per year compared to the S8's 7,523 each year.

Audi S8 Car Insurance Costs by Model Year

We've walked through many of the factors that can affect how much you might pay for auto insurance. If you're considering buying a new vehicle and the S8 is one you're thinking about, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your options.

2015 Audi S8 Car Insurance

Liability Only Avg. Premium$40
Full Coverage Avg. Premium$326
Base MSRP$114,900
Cheapest Insurance CompanyClearcover - $40/mo.
Available TrimsQUATTRO

On average, drivers who own a 2015 S8 can expect to pay $40 to $326 a month for liability only and full coverage insurance, respectively.

With premiums sometimes as little as $40 monthly, Clearcover offered the lowest policy we found for the 2015 Audi S8.

Want to figure out exactly what you'll be asked to pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole range of personalized quotes from the nation's top insurance companies.

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2014 Audi S8 Car Insurance

Liability Only Avg. Premium$58
Full Coverage Avg. Premium$284
Base MSRP$112,500
Cheapest Insurance CompanyCommonwealth Casualty - $23/mo.
Available TrimsQUATTRO

2014 Audi S8 drivers can expect to pay an average of $58 a month for liability or $284 for full coverage.

Looking for the cheapest policy? Commonwealth Casualty offered liability only coverage for sometimes as low as $23 per month.

If you want to find the best rates for car insurance for a 2014 Audi S8, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2013 Audi S8 Car Insurance

Liability Only Avg. Premium$79
Full Coverage Avg. Premium$314
Base MSRP$110,000
Cheapest Insurance CompanyMercury - $25/mo.
Available TrimsQUATTRO

You can expect full coverage for a 2013 S8 to run about $314 a month, while liability only coverage will average around $79 per month.

Mercury offered the lowest policy we found, with rates as low as $25 monthly.

While these are good estimates of what the average driver might pay to insure a 2013 Audi S8, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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Audi S8 Insurance FAQs

Is an Audi S8 expensive to insure?

Liability insurance runs an average of $77 per month, while full coverage will cost you around $255. The Audi S8 is relatively expensive to insure compared to the average car.

How can I get the best price on car insurance for my Audi S8?

There's only one way to confirm you're getting the cheapest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like let you compare prices from an array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Audi S8 affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not the case. Although there are many things auto insurance companies look at when they decide your insurance rate, your car's color is not on that list.

Do I need to have insurance before I buy an Audi S8?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an insurance policy in place. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an car is to talk with your car insurance company beforehand.

What car insurance discounts can I get for my Audi S8?

You will find a ton of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your Audi S8 and more on you, but if your S8 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about which discounts they offer, since they change quite a bit from carrier to carrier.

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