Audi S8 Car Insurance Cost 2025
On average, insuring an Audi S8 costs $7,430 per year, but this figure can differ depending on various factors, such as your age, the model year of your car, and your specific driving profile. To get a personalized estimate for your Audi S8 insurance, consult our detailed quote tables or obtain quotes directly from insurance providers.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying an Audi S8, one crucial aspect to consider is the insurance cost. On average, insurance for an Audi S8 costs $7,430 per year. Insurance is a big part of owning a car, so it’s important to understand what you’re getting into beforehand.
Choosing the right insurance policy is vital to avoid unexpected and potentially high expenses in the future. You wouldn’t want to be underinsured when an accident happens, leaving you with substantial out-of-pocket costs. Additionally, there’s the risk of higher premiums if you’re found at fault for accidents.
Having analyzed car insurance rates for over a decade, I’ve observed significant variations in costs. Factors like your age, driving record, and even your location can greatly impact insurance premiums.
How Much Does An Audi S8 Car Insurance Cost?
Audi S8 drivers typically pay an average annual insurance rate of $7,430. However, individual premiums may vary based on factors such as the driver’s age, location, driving history, and the coverage selected.
The cost of car insurance can vary significantly based on several factors. Key considerations include your location, driving history, the model year of your vehicle, and the specific coverage options you choose. Maintaining a clean driving record can help secure lower premiums, while a history of accidents or traffic violations may increase costs.
Urban areas with heavy traffic often result in higher insurance rates compared to rural areas with less congestion. Furthermore, the type of coverage selected plays a significant role in determining premiums—comprehensive insurance, which includes collision and comprehensive coverage, generally costs more than minimum liability coverage.
The insurance cost for an Audi S8 is high compared to the average for all Audi models and significantly exceeds the average for all cars. To find the best rates, Insuranceopedia provides tools to compare quotes from multiple auto insurance companies, ensuring you get the most competitive deal tailored to your needs.
| Vehicle | Average Monthly Premium |
| Audi A8 | $257 |
| All Audis | $192 |
| All Cars | $175 |
Average Insurance Cost Of Audi S8 By Model Year
| Model Year | Average Premium |
| 2022 Audi S8 | $9,734 |
| 2021 Audi S8 | $2,480 |
| 2020 Audi S8 | $2,532 |
| 2019 Audi S8 | $9,151 |
| 2018 Audi S8 | $4,589 |
| 2017 Audi S8 | $2,627 |
| 2016 Audi S8 | $4,828 |
| 2015 Audi S8 | $2,333 |
| 2014 Audi S8 | $2,994 |
| 2013 Audi S8 | $2,466 |
2022 Audi S8 Insurance Rates
The average annual insurance cost for a 2022 Audi S8 is $9,734. However, Dairyland offers the cheapest rates, averaging $7,430 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $7,430 |
| Liberty Mutual | $12,038 |
2021 Audi S8 Insurance Rates
The average annual insurance cost for a 2021 Audi S8 is $2,480. However, Victoria offers the cheapest rates, averaging $373 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $373 |
| Travelers | $1,329 |
| State Farm | $2,320 |
| Nationwide | $2,411 |
| Sentry | $2,455 |
| Allied | $2,580 |
| Esurance | $2,704 |
| Erie | $2,701 |
| SafeAuto | $3,267 |
| Auto-Owners Insurance Co | $4,669 |
2020 Audi S8 Insurance Rates
The average annual insurance cost for a 2020 Audi S8 is $2,532. However, Pekin Insurance offers the cheapest rates, averaging $1,987 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $1,987 |
| Country | $2,139 |
| Hastings Mutual Insurance Co | $2,239 |
| Mercury | $2,255 |
| Nationwide | $2,316 |
| Grange Mutual | $2,420 |
| Travelers | $2,620 |
| Auto-Owners Insurance Co | $2,964 |
| State Farm | $3,126 |
| Auto Club Group | $3,258 |
2019 Audi S8 Insurance Rates
The average annual insurance cost for a 2019 Audi S8 is $9,151. However, ACCC Insurance Company offers the cheapest rates, averaging $6,055 per year.
| Insurance Provider | Average Annual Cost |
| ACCC Insurance Company | $6,055 |
| Georgia Farm Bureau | $6,643 |
| Country | $7,354 |
| USAA | $8,675 |
| State Farm | $8,817 |
| Mercury | $9,435 |
| Auto-Owners Insurance Co | $9,563 |
| Allstate | $11,196 |
| Nationwide | $11,617 |
| Metropolitan | $12,160 |
2018 Audi S8 Insurance Rates
The average annual insurance cost for a 2018 Audi S8 is $4,589. However, Nationwide offers the cheapest rates, averaging $3,338 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $3,338 |
| Hanover | $6,128 |
| Travelers | $4,302 |
Find Affordable Audi S8 Insurance Rates
2017 Audi S8 Insurance Rates
The average annual insurance cost for a 2017 Audi S8 is $2,627. However, Travelers offers the cheapest rates, averaging $1,202 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $1,202 |
| Erie | $2,450 |
| ACCC Insurance Company | $2,547 |
| New York Central Mutual Fire | $2,554 |
| Georgia Farm Bureau | $2,551 |
| Country | $2,816 |
| State Farm | $2,933 |
| Nationwide | $2,973 |
| Auto-Owners Insurance Co | $3,072 |
| Mercury | $3,169 |
2016 Audi S8 Insurance Rates
The average annual insurance cost for a 2016 Audi S8 is $4,828. However, Travelers offers the cheapest rates, averaging $1,851 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $1,851 |
| Penn National | $2,531 |
| New Jersey Manufacturers | $2,976 |
| Erie | $3,887 |
| State Farm | $4,614 |
| Texas Farm Bureau Group | $4,679 |
| USAA | $5,978 |
| Chubb | $7,211 |
| National General | $7,251 |
| Hanover | $7,302 |
2015 Audi S8 Insurance Rates
The average annual insurance cost for a 2015 Audi S8 is $2,333. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $1,451 per year.
| Insurance Provider | Average Annual Cost |
| Cincinnati Insurance | $2,561 |
| Farmers | $1,955 |
| Auto-Owners Insurance Co | $2,350 |
| Western Reserve | $3,108 |
| Penn National | $1,808 |
| Buckeye Insurance Group | $1,595 |
| American Family | $2,425 |
| Hastings Mutual Insurance Co | $1,451 |
| Frankenmuth Mutual | $3,199 |
| Esurance | $2,876 |
2014 Audi S8 Insurance Rates
The average annual insurance cost for a 2014 Audi S8 is $2,994. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $1,607 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,607 |
| Unigard | $2,250 |
| ACCC Insurance Company | $2,464 |
| Nationwide | $2,595 |
| State Farm | $3,184 |
| Direct Auto | $3,230 |
| USAA | $3,308 |
| American Family | $3,489 |
| Farmers | $3,600 |
| Allied | $4,212 |
2013 Audi S8 Insurance Rates
The average annual insurance cost for a 2013 Audi S8 is $2,994. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,125 per year.
| Insurance Provider | Average Annual Cost |
| Country | $2,370 |
| Texas Farm Bureau Group | $1,125 |
| Mercury | $2,616 |
| National General | $1,598 |
| Cincinnati Insurance | $2,564 |
| State Farm | $2,715 |
| Auto-Owners Insurance Co | $2,423 |
| Nationwide | $3,850 |
| Esurance | $2,653 |
| Republic Indemnity | $2,744 |
Find Affordable Audi S8 Insurance Rates
Is An Audi S8 Expensive To Insure?
The cost of insuring an Audi S8 is notably higher than the overall average for all cars. However, the exact premium you’ll pay is influenced by several factors, including your age, the age of your vehicle, where you live, and other individual considerations. These variables combine to create a personalized rate unique to your profile.
Cost of Audi S8 Car Insurance By Age
Age significantly impacts car insurance rates. Teenagers often pay the highest premiums because they are statistically more likely to be involved in accidents than any other age group. As you age and gain more driving experience, your premiums typically decrease, reflecting your reduced insurance risk.
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $20,394 | $29,908 | $35,025 |
| 18 | $18,950 | $27,828 | $32,622 |
| 19 | $16,774 | $24,639 | $28,809 |
| 20 | $14,580 | $21,477 | $25,137 |
| 21 | $12,247 | $18,028 | $21,044 |
| 22 | $11,982 | $17,586 | $20,563 |
| 23 | $10,466 | $15,369 | $17,905 |
| 24 | $9,977 | $14,581 | $17,044 |
| 25 | $8,519 | $12,550 | $14,756 |
| 30 | $6,686 | $9,757 | $11,457 |
| 35 | $6,284 | $9,192 | $10,762 |
| 40 | $6,052 | $8,812 | $10,356 |
| 45 | $5,872 | $8,542 | $10,088 |
| 55 | $5,374 | $7,832 | $9,176 |
| 65 | $5,594 | $8,197 | $9,585 |
| 75 | $7,081 | $10,342 | $12,119 |
Audi S8 Car Insurance Rates By State
Your location significantly impacts how insurance companies determine rates for your Audi S8. Each state regulates its own auto insurance requirements; for instance, Michigan drivers often pay higher premiums due to the state’s mandate for higher coverage levels.
Additionally, regional climates play a role—states with extreme weather events like hurricanes, storms, or flooding may see increased insurance costs. Local statistics on crime and accidents also affect rates. Areas with higher incidents of car thefts, crashes, or vehicle fatalities generally have higher premiums. Insurance providers factor in all these elements to calculate your specific Audi S8 insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $6,357 | $9,212 | $11,763 |
| Alaska | $5,252 | $7,284 | $7,140 |
| Arizona | $5,933 | $8,601 | $12,677 |
| Arkansas | $6,515 | $10,257 | $11,301 |
| California | $7,312 | $12,821 | $7,278 |
| Colorado | $6,806 | $9,506 | $12,013 |
| Connecticut | $8,679 | $13,418 | $17,101 |
| Delaware | $7,202 | $9,587 | $12,314 |
| Florida | $8,510 | $11,869 | $15,451 |
| Georgia | $7,012 | $10,421 | $10,470 |
| Hawaii | $2,743 | $3,775 | $2,830 |
| Idaho | $4,884 | $6,450 | $7,833 |
| Illinois | $5,074 | $7,635 | $8,747 |
| Indiana | $5,212 | $7,953 | $8,943 |
| Iowa | $4,144 | $5,649 | $6,678 |
| Kansas | $5,461 | $7,921 | $9,354 |
| Kentucky | $7,893 | $11,647 | $13,777 |
| Louisiana | $10,191 | $15,372 | $16,705 |
| Maine | $3,829 | $5,282 | $7,894 |
| Maryland | $6,215 | $9,066 | $10,103 |
| Massachusetts | $5,008 | $8,689 | $5,014 |
| Michigan | $12,043 | $18,395 | $28,988 |
| Minnesota | $4,926 | $6,635 | $9,332 |
| Mississippi | $5,970 | $8,503 | $8,553 |
| Missouri | $5,654 | $8,089 | $10,564 |
| Montana | $5,720 | $7,986 | $9,270 |
| Nebraska | $4,878 | $7,200 | $7,772 |
| Nevada | $7,943 | $11,885 | $12,521 |
| New Hampshire | $5,593 | $8,744 | $11,111 |
| New Jersey | $6,129 | $9,587 | $12,610 |
| New Mexico | $6,276 | $9,347 | $9,636 |
| New York | $5,831 | $7,292 | $12,226 |
| North Carolina | $3,585 | $6,175 | $4,388 |
| North Dakota | $4,961 | $7,519 | $8,867 |
| Ohio | $4,385 | $6,735 | $6,884 |
| Oklahoma | $7,016 | $10,046 | $11,328 |
| Oregon | $6,408 | $8,588 | $10,177 |
| Pennsylvania | $5,401 | $7,872 | $9,239 |
| Rhode Island | $8,913 | $13,149 | $14,764 |
| South Carolina | $6,131 | $8,477 | $11,681 |
| South Dakota | $5,436 | $7,857 | $9,086 |
| Tennessee | $6,378 | $9,434 | $12,550 |
| Texas | $6,460 | $9,317 | $11,571 |
| Utah | $5,504 | $7,735 | $10,582 |
| Vermont | $4,258 | $6,561 | $6,895 |
| Virginia | $4,011 | $6,086 | $6,013 |
| Washington | $5,316 | $7,162 | $8,573 |
| West Virginia | $5,307 | $7,565 | $9,564 |
| Wisconsin | $5,294 | $8,281 | $9,405 |
| Wyoming | $4,932 | $6,958 | $7,369 |
Find Affordable Audi S8 Insurance Rates
Cheapest Car Insurance Companies For An Audi S8
If you’re planning to purchase a car insurance policy for your Audi S8, it’s helpful to know which providers offer the most affordable options. For those seeking budget-friendly coverage, Commonwealth Casualty offers premiums starting at $24 per month, making them the cheapest provider for an Audi S8. However, keep in mind that these rates are averages and can vary based on your unique driver profile. To find the best rate for your circumstances, it’s essential to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| Mercury | $28 |
| Clearcover | $41 |
| StateAuto | $49 |
| Elephant | $31 |
| Commonwealth Casualty | $24 |
Common Audi S8 Insurance Discounts
Discounts can significantly reduce your car insurance costs. While each insurer offers different options, here are some common discounts you can check for eligibility:
- Multi-policy: If you bundle your home and auto insurance with the same provider, you may be able to secure a discounted rate.
- Pay annually: Some insurers offer lower premiums if you pay your full premium up front, rather than in monthly installments.
- Defensive driving: Completing a certified defensive driving course can qualify you for a discount.
Other discounts might be available depending on your insurer, so it’s worth discussing options with your agent to ensure you’re receiving all the discounts you qualify for.
Ways To Save On Audi S8 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Audi S8 insurance costs lower. If you have a speeding ticket or are involved in an accident, your premiums may increase. For instance, Audi S8 drivers with a ticket on their record can expect to pay around $97 per month, while those with multiple accidents can pay an average of $130 per month.
Additionally, annual mileage plays a role in insurance rates. Drivers who travel fewer miles each year tend to pay less for insurance, as they’re considered lower risk. Audi S8 drivers who drive between 7,000 and 10,000 miles annually may pay about $60 per month, whereas those who drive over 10,000 miles can expect to pay $155 per month.
Compare Audi S8 To Other Audi Models
Looking for other Audi model insurance costs?
- Audi A4 Car Insurance
- Audi Q5 Car Insurance
- Audi A3 Car Insurance
- Audi Q3 Car Insurance
- Audi A5 Car Insurance
- Audi A7 Car Insurance
- Audi Q7 Car Insurance
- Audi S4 Car Insurance
- Audi A6 Car Insurance
- Audi E-Tron Car Insurance
- Audi R8 Car Insurance
- Audi S5 Car Insurance
- Audi A8 Car Insurance
- Audi Q8 Car Insurance
- Audi S6 Car Insurance
- Audi SQ5 Car Insurance
- Audi TT Car Insurance
- Audi TTS Car Insurance
- Audi A4 Allroad Car Insurance
- Audi A6 Allroad Car Insurance
- Audi Q5 E Car Insurance
- Audi RS Q8 Car Insurance
- Audi RS3 Car Insurance
- Audi RS5 Car Insurance
- Audi S3 Car Insurance
- Audi S7 Car Insurance
- Audi SQ7 Car Insurance
- Audi SQ8 Car Insurance
- Audi TT RS Car Insurance
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, the figures provided in this guide may vary from your individual results, as factors such as your location, driving history, and personal profile can influence the final premium.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase An Audi S8?
Yes, you will need to provide proof of insurance before you can drive your Audi S8 out of the dealership. It’s best to purchase an insurance policy beforehand and inform your insurance company that you are about to buy the car. This way, you can ensure you have the coverage in place before driving off, instead of relying on the dealership to arrange it.
How Can You Get The Cheapest Insurance For Your Audi S8?
The best way to find the cheapest rates for your Audi S8 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to easily compare quotes from multiple providers, helping you find the best deal for your needs.
