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.

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  • Audi S8 car insurance costs $3,346 per year (about $279 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 $563 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 $3,346 annually, or $279 monthly.

With the average large luxury car costing $2,783 a year to insure, the Audi S8 could cost around $563 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 $2,266 per year for a 60-year-old driver with $1,000 comprehensive and collision deductibles to the highest rate of $8,016 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 June 27, 2025.

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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$5,566$464
$500$6,756$563
$250$8,016$668
30-Year-Old$1,000$2,936$245
$500$3,590$299
$250$4,272$356
40-Year-Old$1,000$2,744$229
$500$3,346$279
$250$3,974$331
50-Year-Old$1,000$2,418$202
$500$2,936$245
$250$3,478$290
60-Year-Old$1,000$2,266$189
$500$2,754$230
$250$3,260$272

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 June 27, 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$7,774$3,878$3,182
2023 Audi S8$7,548$3,756$3,086
2022 Audi S8$7,268$3,612$2,966
2018 Audi S8$6,756$3,346$2,754
2017 Audi S8$6,452$3,200$2,634
2016 Audi S8$5,718$2,856$2,350
2015 Audi S8$5,552$2,750$2,270
2014 Audi S8$5,372$2,662$2,198
2013 Audi S8$4,824$2,378$1,968

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 June 27, 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 $3,346 per year for insurance, while the class average rate is $2,783 per year, a difference of $563 per year.

When average rates are compared to other large luxury cars, insurance prices for an Audi S8 cost $1,256 more per year than the Audi A5, $522 more than the BMW 740i, and $1,216 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 June 27, 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$1,946-$1,400
2Cadillac CTS$2,010-$1,336
3Audi A5$2,090-$1,256
4Cadillac XTS$2,130-$1,216
5Cadillac CT6$2,156-$1,190
6Volvo S90$2,234-$1,112
7Lexus LS 500$2,318-$1,028
8Infiniti Q70$2,324-$1,022
9Acura RLX$2,364-$982
10Lexus LS 500H$2,408-$938
11Mercedes-Benz CLS550$2,464-$882
12Lexus GS 450$2,488-$858
13Infiniti Q60$2,536-$810
14Mercedes-Benz C63 AMG$2,582-$764
15Cadillac CTS-V$2,654-$692
16Mercedes-Benz S450$2,680-$666
17Jaguar XJ$2,692-$654
18Genesis G90$2,700-$646
19BMW 740e$2,804-$542
20BMW 740i$2,824-$522
21Mercedes-Benz S560$2,832-$514
22BMW 650i$2,838-$508
23Audi RS 7$2,940-$406
24Mercedes-Benz E63 AMG$3,020-$326
25Mercedes-Benz CLS63 AMG$3,046-$300
26BMW 750i$3,054-$292
27Maserati Ghibli$3,058-$288
28Porsche Panamera$3,118-$228
29Audi A8$3,148-$198
30BMW Alpina B6$3,234-$112
31Maserati Quattroporte$3,246-$100
32Audi S8$3,346--
33Mercedes-Benz AMG$3,372$26
34Mercedes-Benz AMG S63$3,438$92
35BMW M760i$3,668$322
36Mercedes-Benz S65 AMG$4,432$1,086

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 June 27, 2025