Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Audi S8? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Audi S8 insurance facts

  • Average full coverage auto insurance premium: $326/month

  • Most affordable companies: GEICO ($234/month) & Progressive ($247/month)

  • S8 car insurance cost vs. average rate: $393 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Audi S8 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Audi S8 insurer costs by state:

Risk factors affecting Audi S8 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Audi S8 car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Audi models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Audi Luxury Automobile Brand

Audi is a German automobile manufacturer owned by Volkswagen Group, producing luxury vehicles for the United States market. The target market of Audi is the affluent class of modern urban consumers. All of Audi’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Q5, A3, A6, and the Q7 are their most popular vehicles.

Higher than average S8 repair costs equal higher coverage rates

Audi is a luxury brand in the United States market. Many consumers are attracted to the Audi luxury, comfort, safety, and driver-assist technologies, like Audi’s Pre-Sense Systems. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing an Audi is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Audi’s are going to have higher than average car insurance rates to similar vehicles in its class.

Rapid depreciation for Audi S8’s affecting auto policies

Another factor to consider for Audi’s, is they depreciate rapidly, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Audi models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Audi’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Audi models. The A3, A6, and Q3 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Audi top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $4130
Allied$4286
Allstate$3584
American Family$3418
Amica$4477
Country Financial$3628
Erie$3128
GEICO$2815
Kentucky Farm Bureau$4087
Liberty Mutual$3280
Mercury$3522
Nationwide$3323
Progressive$2964
State Farm$3037
Tennessee Farmers$3416
Texas Farm Bureau$3416
The Hanover$4102
Travelers$3620

Compare all 2021 Audi S8 rates

Average Cost to Insure Per Year

$3916

List Price

$130900

Trims Available

4.0T quattro - 4.0T quattro plus with engine: V8 Turbo 4.0 Liter TFSI Eight-speed Tiptronic automatic transmission and quattro all-wheel drive - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2020 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $4590
Allstate$3520
American Family$3341
Country Financial$3624
Erie$2946
GEICO$2615
Kentucky Farm Bureau$4052
Liberty Mutual$3057
Mercury$3481
Nationwide$3125
Progressive$2684
State Farm$2864
Tennessee Farmers$3394
Texas Farm Bureau$3286
The Hanover$4055
Travelers$3529

Compare all 2020 Audi S8 rates

Average Cost to Insure Per Year

$3860

List Price

$129500

Trims Available

4.0T quattro - 4.0T quattro plus with engine: V8 Turbo 4.0 Liter TFSI Eight-speed Tiptronic automatic transmission and quattro all-wheel drive - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2019 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $4496
Allstate$3369
American Family$3012
Country Financial$3685
Erie$2831
GEICO$2613
Kentucky Farm Bureau$4050
Liberty Mutual$2891
Mercury$3350
Nationwide$2916
Progressive$2635
State Farm$2748
Tennessee Farmers$3302
Texas Farm Bureau$2975
The Hanover$4068
Travelers$3497

Compare all 2019 Audi S8 rates

Average Cost to Insure Per Year

$3852

List Price

$129500

Trims Available

4.0T quattro - 4.0T quattro plus with engine: V8 Turbo 4.0 Liter TFSI Eight-speed Tiptronic automatic transmission and quattro all-wheel drive - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2018 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $4068
Allstate$3348
American Family$3167
Country Financial$3546
Erie$2856
GEICO$2591
Kentucky Farm Bureau$4002
Liberty Mutual$2915
Mercury$3348
Nationwide$2935
Progressive$2648
State Farm$2792
Tennessee Farmers$3298
Texas Farm Bureau$3027
The Hanover$4035
Travelers$3480

Compare all 2018 Audi S8 rates

Average Cost to Insure Per Year

$3495

List Price

$115900

Trims Available

4.0T quattro - 4.0T quattro plus with engine: V8 Turbo 4.0 Liter TFSI Eight-speed Tiptronic automatic transmission and quattro all-wheel drive - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2017 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3571
Allstate$3316
American Family$3152
Country Financial$3418
Erie$2851
GEICO$2560
Kentucky Farm Bureau$3469
Liberty Mutual$2888
Mercury$3248
Nationwide$2913
Progressive$2613
State Farm$2734
Tennessee Farmers$3155
Texas Farm Bureau$3016
The Hanover$3498
Travelers$3367

Compare all 2017 Audi S8 rates

Average Cost to Insure Per Year

$3362

List Price

$116750

Trims Available

4.0T quattro - 4.0T quattro plus with engine: V8 Turbo 4.0 Liter TFSI Eight-speed Tiptronic automatic transmission and quattro all-wheel drive - - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2016 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 2441
Allied$ 2441
Arbella$ 2568
Arbella$ 2568
Country$ 2743
Country$ 2743
Erie$ 2302
Erie$ 2302
Farmers$ 3161
Farmers$ 3161
Mercury$ 2696
Mercury$ 2696
Nationwide$ 2597
Nationwide$ 2597
Plymouth Rock Insurance$ 1982
Plymouth Rock Insurance$ 1982
Progressive$ 2967
Progressive$ 2967
State Farm$ 2702
State Farm$ 2702
Tennessee Farmers$ 1309
Tennessee Farmers$ 1309
Texas Farm Bureau$ 1523
Texas Farm Bureau$ 1523

Compare all 2016 Audi S8 rates

Average Cost to Insure Per Year

$ 2391

List Price

$ 114900

Trims Available

4.0T quattro - 4.0T quattro plus

2015 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2782
Acuity$ 2782
Allied$ 2427
Allied$ 2427
Arbella$ 2496
Arbella$ 2496
Country$ 2519
Country$ 2519
Erie$ 2275
Erie$ 2275
Mercury$ 2644
Mercury$ 2644
Nationwide$ 2567
Nationwide$ 2567
Plymouth Rock Insurance$ 1892
Plymouth Rock Insurance$ 1892
Progressive$ 2887
Progressive$ 2887
State Farm$ 2620
State Farm$ 2620
Tennessee Farmers$ 2552
Tennessee Farmers$ 2552
Texas Farm Bureau$ 1482
Texas Farm Bureau$ 1482

Compare all 2015 Audi S8 rates

Average Cost to Insure Per Year

$ 2282

List Price

$ 114900

Trims Available

4.0T quattro

2014 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2604
Acuity$ 2604
Allied$ 2192
Allied$ 2192
Arbella$ 2353
Arbella$ 2353
Country$ 2433
Country$ 2433
Erie$ 2114
Erie$ 2114
Mercury$ 2593
Mercury$ 2593
Nationwide$ 2417
Nationwide$ 2417
Plymouth Rock Insurance$ 1826
Plymouth Rock Insurance$ 1826
Southern Farm Bureau$ 2831
Southern Farm Bureau$ 2831
Tennessee Farmers$ 2547
Tennessee Farmers$ 2547
Texas Farm Bureau$ 1442
Texas Farm Bureau$ 1442
Vermont Mutual$ 2842
Vermont Mutual$ 2842

Compare all 2014 Audi S8 rates

Average Cost to Insure Per Year

$ 2228

List Price

$ 112500

Trims Available

4.0T quattro

2013 Audi S8

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2496
Acuity$ 2496
Allied$ 1957
Allied$ 1957
Arbella$ 2316
Arbella$ 2316
Erie$ 2020
Erie$ 2020
Mercury$ 2593
Mercury$ 2593
Nationwide$ 2260
Nationwide$ 2260
Plymouth Rock Insurance$ 1745
Plymouth Rock Insurance$ 1745
Progressive$ 2722
Progressive$ 2722
State Farm$ 2375
State Farm$ 2375
Tennessee Farmers$ 2365
Tennessee Farmers$ 2365
Texas Farm Bureau$ 1402
Texas Farm Bureau$ 1402
Vermont Mutual$ 2681
Vermont Mutual$ 2681

Compare all 2013 Audi S8 rates

Average Cost to Insure Per Year

$ 2107

List Price

$ 110000

Trims Available

4.0T quattro