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Audi S8 insurance rates

Average Audi S8 insurance rates

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Introduced in 1996, the S8 is a performance version of Audi’s most luxurious sedan, the A8. The S8 comes equipped with a 4.0-liter V8 that pumps out an impressive 605 horsepower alongside a number of world class details. Despite its great safety features, insuring an S8 might be expensive as there are a number of factors that influence the cost of coverage.

On average, auto insurance for an Audi S8 costs $191 a month — or $2,292 a year, almost $1,000 higher than the national average. However, your actual cost could be different depending on your driving record, annual mileage and other factors. For example, the average cost of insurance in Idaho is $1,053 compared to a much steeper $2,551 in Michigan. This is why it’s important to compare your options and get an accurate estimate for your situation.

ModelMonthly insurance rateBase car price
A4 All Road$132.00$44,000
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AARP Auto Insurance Program from The Hartford
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How to compare insurance for the Audi S8

If you live outside of New Hampshire or Virginia, auto insurance is mandatory before you can legally drive on public roads. Coverage is a mandatory purchase that almost all drivers need but nobody hopes to use. With that being said, the right coverage can provide peace of mind and save you a lot of money in the event of an accident. Shopping for coverage can be tough if you don’t know what you’re looking for, which is why creating a sample policy can help you compare your options more accurately. Here are a few factors to consider when getting quotes:

  • Price. It’s difficult to compare policies by price if coverage and features are different. Creating a sample policy can help you get accurate quotes from multiple providers, which you can then compare by price.
  • Deductible. When getting quotes, consider that your deductible can affect the cost of monthly premiums. A higher deductible costs more when filing claims, but will reduce your monthly costs. On the other hand, a lower deductible will cost less out of pocket after an accident, but will raise your monthly rates.
  • Minimum coverage. Outside of New Hampshire and Virginia, each state has its own requirements for minimum coverage. Be sure your states minimums are met before purchasing a policy.
  • Additional coverage. Most providers offer additional coverage options like personal injury protection and medical payments coverage. Be sure to include these in your quotes when shopping around.
  • Extras. Policy features can vary depending on the provider and plan you choose. If you want perks like accident forgiveness and roadside assistance, be sure to include them in your quotes if they are not included for free.
  • Restrictions. Some providers may have coverage restrictions that limit what you can do with your vehicle. Do your research to avoid denied claims or gaps in coverage.
  • Manufacturer offer or loyalty discount. Find out if Audi has any partnerships with insurance providers. If so, you may be eligible for manufacturer offers or loyalty discounts.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Audi S8?

When calculating your premiums, insurance providers consider a number of factors that influence your risk of filing claims and the cost to pay them out. While your driving history and location can certainly make an impact, the vehicle you drive plays a much larger role. Each car has different repair costs, theft rates, safety features, and other variables, meaning that the vehicle you drive can directly affect the cost of car insurance. Here’s how the Audi S8’s design may influence your premiums:

  • Body type. The S8 is an executive car which is essentially a large four-door sedan. It’s designed for commuting and other low-risk use, which could lead to reduced insurance rates.
  • Type of car. The S8 is considered a luxury performance vehicle. While it provides a safe and comfortable driving experience, the power and luxurious design could increase the cost of insurance.
  • Theft. Sedans are the most frequently stolen type of vehicle. However, the A6, another large Audi sedan, has some of the lowest theft rates, so it’s unclear how this might affect insurance costs.
  • Repairs. Although parts and service should be easy to find, the high price tag and elegant design could be expensive to repair, which could lead to expensive coverage.
  • Safety ratings. While neither the A8 or S8 have official safety ratings, their design and high-tech safety features may help to reduce the cost of insurance.

How do trim packages and extra build options affect insurance cost?

Since your vehicle’s design can directly affect your chances of getting into an accident, the make and model you drive can impact the cost of insurance. But beyond your choice of vehicle, the build options on your specific car can influence performance and crash test results. This is why many providers consider your vehicle’s trim and packages when calculating your premiums. Here’s how various build options might affect the cost of car insurance on an Audi S8.


  • Design selection packages. While both of these options only add visual appeal, they cost about $7,000, which could make the vehicle more expensive to insure.
  • Dynamic package. The addition of carbon fibre features and the $16,500 price tag could lead to higher premiums due to increased cost of repairs.
  • Night vision assistant. This package can help you avoid collisions or unexpected obstacles when driving at night. The improved visibility may lead to lower insurance premiums.
  • Entertainment packages. Adding the Bang & Olufsen sound system or rear seat entertainment system will increase the value of the vehicle, which could raise the cost of insurance.
  • Solar sunroof. While this feature is far less expensive than other options, sunroofs have a much higher chance of breaking or needing repairs compared to the standard metal roof. With that in mind, adding this feature may increase your premiums.

Audi S8 money-saving safety features

You could save money on car insurance for your Audi S8 if it comes equipped with these safety features.

  • Airbags
  • Daytime running lights
  • Anti-lock brakes
  • Anti-theft device
  • Surround camera system
  • Parking sensors
  • Rear back-up sensors
  • LED fog lights
  • Electronic stability control
  • Seatbelt pretensioners

Does the Audi S8 qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Audi S8:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

How reliable is the Audi S8?

While the S8 itself doesn’t have any official reliability ratings, the A8 does. According to U.S. News and J.D. Power, the 2018 A8 holds a 3.5/5 star reliability rating, which is better than most vehicles in its class. Considering that the S8 is a step up in price and design, it might also be more reliable.

Despite S8 production spanning multiple decades, there are very few recalls on this vehicle. Audi recalled a limited number of 2007-2009 and 2013-2014 S8s with sunroofs due to an issue that could cause the sunroof glass to break or detach while driving. However, there have also been a few recalls on the A8:

  • 2013: Almost 10,000 2013 Audi A8 Quattro vehicles were recalled for issues where coolant could leak into the engine control module to cause a stall or loss of power.
  • 2010-2012: Some 2010, 2011 and 2012 Audi A8 models were also affected by the coolant leak issue.

While the S8 has been in production since 1996 and has undergone multiple overhauls, there are very few common problems across all model years. With that being said, some owners have had issues with the memory seat adjustment switch not working, premature wear on suspension, and fluid leaks from the transmission output shaft seal. Like many other Audi vehicles, the S8 may also encounter carbon buildup which could cause reduced power and fuel efficiency.

How safe is the Audi S8?

Neither the A8 or S8 have official safety ratings according to the NHTSA or the IIHS. However, like most Audi vehicles, the S8 comes standard with a number of great safety features that could mitigate damage and harm in the event of an accident. Audi is known for its safe vehicles, which may help you save on auto insurance.

Audi S8 maintenance

The S8 is Audi’s most luxurious sedan that comes packed with an assortment of high-tech safety and driver assistance features to ensure a comfortable and hassle-free driving experience. It was designed to be safe and reliable so that owners can spend more time on the road and less time in the shop. But like any other vehicle, routine service appointments can ensure that the car operates at full capacity for as long as possible. Here’s what to expect for oil changes, mileage and other maintenance-related details.

  • Audi recommends an oil change every 10,000 miles or 12 months, whichever comes first. However, if your car is being driven vigorously, you may want to have it changed more frequently.
  • An oil change for an S8 should cost between $125 to $250, but your actual cost will depend on how long it’s been since the last oil change and where you bring it for service.
  • According to the 2017 Audi maintenance schedule, your S8 should be brought in for minor maintenance at 10,000 miles and every 20,000 miles after that. Standard maintenance should be done after the first 20,000 miles and every 20,000 after the initial service appointment.
  • The 2018 Audi S8 gets an average of 18 miles per gallon, with 14 in the city and 24 on the highway.
  • The 2017 Audi S8 comes with a four-year/50,000-mile warranty and four years of 24/7 roadside assistance.

Is an extended warranty worth it for the Audi S8?

The already reliable SQ5 comes standard with Audi’s four-year, 50,000 mile new car warranty, which covers malfunctions from both parts and service, along with free 24/7 roadside assistance. However, Audi also offers an extended warranty option with different terms, called the Audi Certified Plus Limited warranty. If purchased, this coverage becomes active after the initial warranty expires and provides two more years or up to a total of 100,000 miles of protection. While the S8 is considered a reliable vehicle, adding the extended warranty can provide peace of mind and even increase resale value if you ever choose to sell it.

About the Audi S8

The Audi S8 was originally released in 1996 in the European market. The newest model features road noise isolation, stylish interior and effortless performance. The 2017 model has not been evaluated by the Insurance Institute for Highway Safety or the National Highway Traffic Safety Administration for safety.

Insurance companies determine the insurance cost for an Audi S8 based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Audi shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Audi S8 shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Compare Audi competitors

Compare other Audi models to find a similar option or explore some of Audi’s competitors to see how other manufacturers measure up.

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Bottom line

The S8 is a performance version of Audi’s most luxurious sedan, adding a handful of high-tech details beyond the A8’s already-impressive suite of driver assistance and safety features. Its powerful engine and sport tuning could make it more expensive to insure, but since so many factors can influence the cost of insurance, you should compare your options to get an accurate estimate based on your actual situation.

Frequently asked questions about the Audi S8

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