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Audi S8 Insurance Cost


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Audi S8 Insurance Cost

The S8, which debuted in 1996, is a performance variant of Audi’s most luxury sedan, the A8. The S8 is outfitted with a 4.0-liter V8 engine that produces an astounding 605 horsepower, as well as a slew of world-class features. Despite its excellent safety features, Audi S8 insurance cost may be costly due to a variety of factors that impact the cost of coverage.

An Audi S8 insurance cost $191 per month, or $2,292 per year, which is over $1,000 more than the national average. Your real cost, however, may vary based on your driving record, yearly mileage, and other variables. For example, the average cost of insurance in Idaho is $1,053, whereas it is significantly more in Michigan at $2,551. This is why it is critical to weigh your alternatives and obtain an exact estimate for your specific circumstance.

Other factors that can affect your auto insurance rate

Audi S8 Insurance Cost - Audi Car Brand Logo
  • Audi S8 model year
  • Vehicle’s trim
  • Amount of coverage you need
  • Estimated miles you drive in a year
  • Vehicle’s safety and anti-theft features
  • Driver’s credit score and location
  • Driver’s age, marital status and gender
  • Driving history in the past five years
  • Whether the driver rents, leases or owns the vehicle

How to compare insurance for the Audi S8

If you live in a state other than New Hampshire or Virginia, you must have vehicle insurance before you may lawfully drive on public highways. Coverage is a required purchase that virtually all drivers require but no one wants to use. That being said, having the proper coverage may give you peace of mind as well as save you a lot of money in the event of an accident. If you don’t know what you’re looking for, shopping for coverage may be difficult, which is why generating a sample policy can help you evaluate your alternatives more precisely. Here are a few things to think about when receiving quotes:

  • Price. When coverage and features differ, it is impossible to evaluate insurance just on price. Creating a sample policy can assist you in obtaining accurate quotations from different providers, which you can then compare in terms of pricing.
  • Deductible. When obtaining estimates, keep in mind that your deductible might impact the cost of your monthly rates. When submitting claims, a larger deductible costs more, but it lowers your monthly expenditures. A higher deductible, on the other hand, will cost you less out of pocket after an accident, but will boost your monthly rates.
  • Minimum coverage. Aside from New Hampshire and Virginia, each state has its own minimum coverage standards. Before acquiring an insurance, ensure that your state’s minimums are satisfied..
  • Additional coverage. Personal injury protection and medical expenses coverage are common extras offered by most carriers. When shopping around, make sure to include these in your quotations.
  • Extras. The characteristics of your policy will differ based on the provider and plan you select. If you want extras like accident forgiveness and roadside help, make sure to include them in your estimates if they aren’t already included.
  • Restrictions. Some insurance companies may impose coverage limits that limit what you may do with your car. Do your homework to avoid refused claims or coverage gaps.
  • Manufacturer offer or loyalty discount. Find out whether Audi has any affiliations with insurance companies. If this is the case, you may be eligible for manufacturer promotions or loyalty discounts.
  • Warranty. To prevent paying for overlapping coverage, find out what is covered by your manufacturer’s or extended warranty.

What factors affect car insurance rates for Audi S8?

When determining your rates, insurance companies take into account a variety of factors that impact your likelihood of making claims and the expense of paying them out. While your driving history and location are important considerations, the car you drive plays a far greater effect. Because each automobile has varying maintenance prices, theft rates, safety features, and other variables, the vehicle you drive can have a direct impact on the cost of car insurance. Here’s how the design of the Audi S8 may affect your premiums:

  • Body type. The S8 is a big four-door sedan that serves as an executive vehicle. It is intended for commuting and other low-risk uses, which may result in lower insurance premiums.
  • Type of car. The S8 is classified as a high-performance premium car. While it delivers a secure and enjoyable driving experience, the power and luxury styling may raise insurance costs.
  • Theft. Sedans are the most commonly stolen car type. The A6, another big Audi car, has some of the lowest theft rates, so it’s unclear how this would influence insurance premiums.
  • Repairs. Although parts and servicing should be simple to come by, the premium price tag and exquisite design may make repairs costly, resulting in pricey coverage.
  • Safety ratings. Although neither the A8 nor the S8 have official safety ratings, their design and high-tech safety measures may assist to cut insurance costs.

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

Because the design of your car can directly affect your odds of being involved in an accident, the brand and model you drive might affect the cost of insurance. However, in addition to your vehicle selection, the construction choices on your individual vehicle can impact performance and crash test results. This is why many carriers evaluate the trim and packages of your vehicle when determining your premiums. Here’s how different construction options may impact of Audi S8 insurance cost.


  • Design selection packages. While both of these upgrades simply add cosmetic attractiveness, they cost around $7,000 and may increase the Audi S8 insurance costs.
  • Dynamic package. The inclusion of carbon fiber components and the $16,500 price tag may result in higher rates owing to increased repair costs.
  • Night vision assistant. When driving at night, this package can assist you in avoiding crashes or unforeseen obstructions. Audi S8 insurance cost may be reduced as a result of increased visibility.
  • Entertainment packages. Adding a Bang & Olufsen sound system or rear seat entertainment system raises the vehicle’s value, which may boost the cost of insurance.
  • Solar sunroof. While this feature is far less expensive than other alternatives, sunroofs have a considerably higher probability of failing or requiring repairs than a conventional metal roof. Keeping this in mind, introducing this function may result in a higher premium.

Audi S8 money-saving safety features

If your Audi S8 has certain safety features, you may be able to save money on your Audi S8 insurance cost.

  • 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?

Depending on whatever carrier you pick, your vehicle may be eligible for certain auto insurance savings. The actual reductions you receive, however, may vary based on your region, provider, selections, and other variables. Here are a few examples that should be applicable 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

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How reliable is the Audi S8?

The S8 does not have any official dependability ratings, while the A8 does. The 2018 A8 has a 3.5/5 star dependability rating, which is higher than most vehicles in its class, according to U.S. News and J.D. Power. Given that the S8 is a step up in terms of price and appearance, it may also be more dependable.

Despite the fact that the S8 has been in production for several decades, there have been very few recalls on this vehicle. Audi recalled a limited number of sunroof-equipped S8s from 2007 to 2009 and 2013 to 2014 owing to a problem that might cause the sunroof glass to shatter or detach while driving. However, the A8 has been subject to a few recalls:

  • 2013: Almost 10,000 2013 Audi A8 Quattro vehicles were recalled due to coolant leaks into the engine control module, causing a stall or loss of power.
  • 2010-2012: The coolant leak issue also impacted some Audi A8 vehicles from 2010, 2011, and 2012.

Despite the fact that the S8 has been in production since 1996 and has undergone several overhauls, there are just a few common issues that affect all model years. Having said that, some owners have reported difficulties such as the memory seat adjustment switch not working, early suspension wear, and fluid leaks from the gearbox output shaft seal. The S8, like many other Audi vehicles, may experience carbon buildup, which may result in decreased power and fuel economy.

How safe is the Audi S8?

According to the NHTSA and the IIHS, neither the A8 nor the S8 have certified safety ratings. However, the S8, like other Audi vehicles, comes equipped with a variety of excellent safety systems that may help to reduce damage and harm in the case of an accident. Audi is recognized for producing safe automobiles, which may allow you to save money on auto insurance.

Audi S8 maintenance

The S8 is Audi’s most luxury sedan, featuring a plethora of high-tech safety and driver aid technologies to provide a comfortable and hassle-free driving experience. It was created to be safe and dependable, allowing owners to spend more time on the road and less time in the shop. However, just like any other vehicle, periodic service appointments may guarantee that the automobile runs at peak performance for as long as feasible. Here’s what to expect in terms of oil changes, mileage, and other maintenance-related information.

  • Audi suggests changing the oil every 10,000 miles or 12 months, whichever comes first. However, if you drive your car regularly, you may want to have it replaced more frequently.
  • An oil change for a S8 should cost between $125 and $250, depending on how long it has been since the previous oil change and where you bring it for servicing.
  • According to the 2017 Audi maintenance plan, your S8 should be serviced at 10,000 miles and then every 20,000 miles after that. Standard maintenance should be performed after the first 20,000 miles and then every 20,000 miles after that.
  • The 2018 Audi S8 gets 18 miles per gallon on average, with 14 in the city and 24 on the interstate.
  • The 2017 Audi S8 is covered by a four-year/50,000-mile warranty as well as four years of 24-hour roadside support.

Is an extended warranty worth it for the Audi S8?

The already dependable SQ5 comes standard with Audi’s four-year, 50,000-mile new car warranty, which covers both parts and service issues, as well as free 24/7 roadside support. Audi does, however, provide an extended warranty option with differing conditions, known as the Audi Certified Plus Limited guarantee. If bought, this coverage takes effect after the first warranty expires and gives two additional years or up to 100,000 miles of protection. While the S8 is a dependable car, buying an extended warranty can give peace of mind and possibly improve market value if you decide to sell it.

About the Audi S8

The Audi S8 was first introduced on the European market in 1996. The most recent model has excellent road noise isolation, a beautiful cabin, and easy performance. The Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration have not assessed the 2017 model for safety.

The insurance cost for an Audi S8 is determined by safety ratings, theft rates, replacement costs, and general damage susceptibility. Insurance costs vary depending on a driver’s past and region. Before purchasing an Audi, prospective buyers should obtain insurance quotes from multiple providers in order to acquire the lowest feasible cost. Audi S8 buyers should also do their homework to determine whether they qualify for insurance reductions with each carrier.

Compare Audi competitors

Compare other Audi models to discover a comparable choice, or look into some of Audi’s competitors to see how they compare.

Check out our review of Audi A8 Insurance Rates.

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