Exploring Audi S8 Car Insurance Costs: Ultimate Rate Breakdown

How much are Audi S8 car insurance rates? We break down rates for the S8 to see how insurance costs rank when compared to the large luxury car segment.

Start a Free QuoteCompare Audi S8 car insurance quotes and save on your next policy.

  • Audi S8 car insurance costs $3,426 per year (about $286 per month) for a full coverage policy, but can vary based on the vehicle trim level.
  • Ranked 32nd out of 36 large luxury cars, insurance cost for the Audi S8 costs $575 more per year than the average cost for the segment.

How much does Audi S8 car insurance cost?

Ranked 32nd out of 36 vehicles in the large luxury car class, Audi S8 car insurance averages $3,426 annually, or $286 monthly.

With the average large luxury car costing $2,851 a year to insure, the Audi S8 could cost around $575 or more on an annual basis.

The cost summary chart below demonstrates how 2018 Audi S8 car insurance cost can change based on driver age group and the selected policy deductibles. Prices range from $2,322 per year for a 60-year-old driver with $1,000 comprehensive and collision deductibles to the highest rate of $8,212 per year for a driver age 20 with low policy deductibles.

Average 2018 Audi S8 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2018 Audi S8 car insurance premiums for different driver ages and policy deductibles. Rates updated on October 24, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2018 model year Audi S8. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2018 Audi S8 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$5,704$475
$500$6,920$577
$250$8,212$684
30-Year-Old$1,000$3,008$251
$500$3,676$306
$250$4,376$365
40-Year-Old$1,000$2,810$234
$500$3,426$286
$250$4,070$339
50-Year-Old$1,000$2,476$206
$500$3,008$251
$250$3,564$297
60-Year-Old$1,000$2,322$194
$500$2,820$235
$250$3,340$278

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2018 Audi S8. Updated October 24, 2025

The data table below breaks down average Audi S8 car insurance rates for the 2013 to 2018 model years.

Audi S8 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Audi S8$7,968$3,972$3,262
2023 Audi S8$7,732$3,848$3,160
2022 Audi S8$7,448$3,700$3,042
2018 Audi S8$6,920$3,426$2,820
2017 Audi S8$6,612$3,278$2,698
2016 Audi S8$5,856$2,926$2,406
2015 Audi S8$5,688$2,814$2,326
2014 Audi S8$5,504$2,726$2,250
2013 Audi S8$4,944$2,434$2,014

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Audi S8 trim levels for each model year. Updated October 24, 2025

Average insurance rates for 2013 to 2024 Audi S8 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Audi S8 models for drivers age 20, 40 and 60

How well do Audi S8 insurance prices rank?

The Audi S8 ranks 32nd out of 36 comparison vehicles in the 2018 large luxury car category for most affordable auto insurance rates. The S8 costs an average of $3,426 per year for insurance, while the class average rate is $2,851 per year, a difference of $575 per year.

When average rates are compared to other large luxury cars, insurance prices for an Audi S8 cost $1,286 more per year than the Audi A5, $534 more than the BMW 740i, and $1,244 more than the Cadillac XTS.

The next chart shows how the average car insurance rate for an Audi S8 compares to the top 10 most popular large luxury cars like the Cadillac CT6, Lincoln Continental, and the Porsche Panamera. A more complete table is added after the chart breaking down insurance rates for all 36 models in the 2018 large luxury car class.

Average 2018 Audi S8 car insurance premium compared to other large luxury car models.
Figure 2: Average 2018 Audi S8 car insurance premium compared to other large luxury car models. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2018 model year Audi S8. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Audi S8 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Audi S8 Insurance Cost Compared to All Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Lincoln Continental$1,996-$1,430
2Cadillac CTS$2,060-$1,366
3Audi A5$2,140-$1,286
4Cadillac XTS$2,182-$1,244
5Cadillac CT6$2,206-$1,220
6Volvo S90$2,288-$1,138
7Lexus LS 500$2,374-$1,052
8Infiniti Q70$2,382-$1,044
9Acura RLX$2,420-$1,006
10Lexus LS 500H$2,466-$960
11Mercedes-Benz CLS550$2,524-$902
12Lexus GS 450$2,548-$878
13Infiniti Q60$2,596-$830
14Mercedes-Benz C63 AMG$2,644-$782
15Cadillac CTS-V$2,718-$708
16Mercedes-Benz S450$2,748-$678
17Jaguar XJ$2,758-$668
18Genesis G90$2,766-$660
19BMW 740e$2,872-$554
20BMW 740i$2,892-$534
21Mercedes-Benz S560$2,902-$524
22BMW 650i$2,908-$518
23Audi RS 7$3,012-$414
24Mercedes-Benz E63 AMG$3,092-$334
25Mercedes-Benz CLS63 AMG$3,120-$306
26BMW 750i$3,128-$298
27Maserati Ghibli$3,134-$292
28Porsche Panamera$3,196-$230
29Audi A8$3,224-$202
30BMW Alpina B6$3,312-$114
31Maserati Quattroporte$3,328-$98
32Audi S8$3,426--
33Mercedes-Benz AMG$3,452$26
34Mercedes-Benz AMG S63$3,522$96
35BMW M760i$3,758$332
36Mercedes-Benz S65 AMG$4,538$1,112

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2018 model year. Updated October 24, 2025