Audi R8 Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 27, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

How much does it cost to insure an Audi R8? Audi A8 insurance rates can be high, as the average annual cost is $2,488, but don’t let this trip you up. Managing your Audi A8 insurance costs can be done if you have the right information and tools.

Our guide goes over how to manage Audi A8 insurance costs by going over everything from average full coverage premiums to Audi A8 maintenance costs. Want to start finding Audi R8 insurance rates? Enter your ZIP code in our free tool above.

Estimated insurance rates for an Audi R8 are $1,562 a year for full coverage. Comprehensive costs approximately $342, collision costs $588, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $3,384. 16-year-old drivers pay the most at $5,802 a year or more.

Average premium for full coverage: $1,562

Premium estimates by type of coverage:

Comprehensive $342
Collision $588
Liability $474

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different R8 trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for an Audi R8 go from as low as $522 for the bare minimum liability coverage to a much higher rate of $3,384 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,562
High Risk $3,384

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how where you live affects auto insurance prices.

Rural Areas $1,172
Small Cities $1,640
Large Cities $2,109

These rate differences show why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below shows estimated Audi R8 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $892
  • Choosing higher $1,000 deductibles can save $212 a year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,562
  • Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,972
  • Unlucky drivers with multiple tickets or accidents could pay around $3,384 or more
  • An auto insurance policy for full coverage for a teen driver with full coverage can cost $5,802 each year

View Chart as Image

Audi R8 insurance cost comparison chart
Column chart showing full coverage Audi R8 insurance rates range from $892 to $5,802

Insurance prices for an Audi R8 also have a wide range based on your driving characteristics, the trim level of your R8, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Audi R8 insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Iowa, Maine, and Idaho, or at least $2,230 on average in New York, Louisiana, and Michigan.

Audi R8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,414 -$148 -9.5%
Alaska $1,196 -$366 -23.4%
Arizona $1,296 -$266 -17.0%
Arkansas $1,562 -$0 0.0%
California $1,780 $218 14.0%
Colorado $1,494 -$68 -4.4%
Connecticut $1,606 $44 2.8%
Delaware $1,768 $206 13.2%
Florida $1,954 $392 25.1%
Georgia $1,440 -$122 -7.8%
Hawaii $1,122 -$440 -28.2%
Idaho $1,056 -$506 -32.4%
Illinois $1,164 -$398 -25.5%
Indiana $1,176 -$386 -24.7%
Iowa $1,054 -$508 -32.5%
Kansas $1,486 -$76 -4.9%
Kentucky $2,132 $570 36.5%
Louisiana $2,312 $750 48.0%
Maine $964 -$598 -38.3%
Maryland $1,286 -$276 -17.7%
Massachusetts $1,250 -$312 -20.0%
Michigan $2,714 $1,152 73.8%
Minnesota $1,306 -$256 -16.4%
Mississippi $1,870 $308 19.7%
Missouri $1,386 -$176 -11.3%
Montana $1,678 $116 7.4%
Nebraska $1,232 -$330 -21.1%
Nevada $1,874 $312 20.0%
New Hampshire $1,126 -$436 -27.9%
New Jersey $1,744 $182 11.7%
New Mexico $1,384 -$178 -11.4%
New York $1,644 $82 5.2%
North Carolina $900 -$662 -42.4%
North Dakota $1,280 -$282 -18.1%
Ohio $1,078 -$484 -31.0%
Oklahoma $1,606 $44 2.8%
Oregon $1,430 -$132 -8.5%
Pennsylvania $1,490 -$72 -4.6%
Rhode Island $2,084 $522 33.4%
South Carolina $1,414 -$148 -9.5%
South Dakota $1,320 -$242 -15.5%
Tennessee $1,368 -$194 -12.4%
Texas $1,882 $320 20.5%
Utah $1,156 -$406 -26.0%
Vermont $1,070 -$492 -31.5%
Virginia $936 -$626 -40.1%
Washington $1,208 -$354 -22.7%
West Virginia $1,430 -$132 -8.5%
Wisconsin $1,082 -$480 -30.7%
Wyoming $1,394 -$168 -10.8%

View Chart as Image

Audi R8 insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $630 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,800 to $2,500 additional annually, depending on your age. High-risk driver insurance ranges as much as 43% to 129% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Audi R8 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi R8 4.2 Quattro $1,482 $124
Audi R8 4.2 Quattro $1,482 $124
Audi R8 5.2 Quattro 10Cyl $1,622 $135
Audi R8 5.2 Quattro 10Cyl $1,622 $135

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Audi R8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Audi R8 $594 $1,338 $398 $2,488
2022 Audi R8 $574 $1,306 $416 $2,454
2021 Audi R8 $554 $1,252 $430 $2,394
2020 Audi R8 $524 $1,208 $442 $2,332
2019 Audi R8 $504 $1,122 $452 $2,236
2018 Audi R8 $484 $1,056 $456 $2,154
2017 Audi R8 $464 $946 $460 $2,028
2016 Audi R8 $434 $870 $460 $1,922
2015 Audi R8 $418 $816 $464 $1,856
2014 Audi R8 $408 $762 $474 $1,802
2012 Audi R8 $368 $642 $478 $1,646
2011 Audi R8 $342 $588 $474 $1,562
2010 Audi R8 $322 $534 $474 $1,488
2009 Audi R8 $312 $478 $468 $1,416

Rates are averaged for all Audi R8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Audi R8 Insurance

Finding better rates on car insurance takes being a low-risk driver, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the data touched on in the above illustrations.

  • Policyholders who purchase more liability coverage will pay around $520 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
  • Drivers can save around $190 per year simply by shopping early and online
  • Increasing policy deductibles can save around $625 each year
  • Teen drivers are the costliest to insure, as much as $484 per month including comprehensive and collision insurance

Savings don’t have to be complicated. Getting quotes will help you find the right Audi R8 insurance cost and sort through companies, such as State Farm vs Allstate, Geico, and Progressive. Enter your ZIP code in our free tool below to get started.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Size and Class of the Audi A8 and Liability Insurance Rates

The Audi A8’s size and class has a direct effect on your liability insurance rates. Since liability insurance covers other drivers’ medical bills and property damage bills, a vehicle that crashes easily or is larger will have higher liability insurance rates.

This brings us to an important question about the Audi R8. Is the Audi R8 considered a supercar? The Audi A8 is considered a supercar, as it is a sports car. The engine strength of a supercar could present problems, as it could mean the Audi A8 is more prone to crashing.

Can you drive an R8 every day even though it is a higher risk? Absolutely. Just make sure you understand that a higher crash risk means higher liability rates. Read on to learn what else determines the price of car insurance.

Audi A8 Liability Insurance Cost

Because the Audi A8 may be prone to higher liability insurance rates, we want to breakdown a quote from Geico to show you what you may be paying. Our sample quote is based on a 40-year-old male driver who has a clean driving record and travels 13,000 miles a year.

The first set of rates is for bodily injury liability coverage for a 2020 Audi A8 Quattro. These rates are for six months of coverage.

  • Low ($15,000/$30,000): $12.01
  • Medium ($100,000/$200,000): $24.64
  • High ($500,000/$500,000): $39.66

The Audi A8 Quattro must have low bodily injury losses, as it only costs $39 for high bodily injury coverage. That is a very low price, as high coverage is usually over $100.

The final set of rates is for property damage liability coverage for a 2020 Audi A8 Quattro.

  • Low ($5,000): $389.33
  • Medium ($20,000): $406.19
  • High ($100,000): $418.51

The cost to increase your property damage coverage from low to high is only $29. How much is a monthly payment on an Audi R8 for property damage? Your amount will likely be a little less than $5 extra a month.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Audi A8 Safety Features and Ratings

CarandDriver listed the following safety features for the 2020 Audi R8 Quattro:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Audi parking system plus Front And Rear Parking Sensors
  • Tire Pressure Monitoring System
  • Tire Specific Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Sideguard Curtain 1st Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag
  • Outboard Front Lap And Shoulder Safety Belts
  • Pretensioners
  • Back-Up Camera

Why should you care about this list of safety features? These features are not only meant to keep you safe and prevent crashes, but they can also earn you a discount on auto insurance.

Either way, more safety features is a win/win situation, especially because the Audi R8 is a sports car and already has marks against it. In fact, cars, in general, are more dangerous.

The Insurance Information Institute for Highway Safety’s (IIHS) fatality data for three different vehicle types showed cars have the highest fatality numbers.

The data revealed that driver fatalities per million vehicles showed 48 car fatalities compared to only 34 pickup fatalities and 23 SUV fatalities. The occupant fatalities per million vehicles also showed that cars lead fatalities: 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

These averages were gleaned from the total fatalities, which was 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. The list below is a breakdown of the 13,138 car fatalities by crash type.

  • Frontal Impact: 7,433 fatalities
  • Side Impact: 3,568 fatalities
  • Rear Impact: 834 fatalities
  • Other (mostly rollovers): 1,303 fatalities

The Audi R8’s safety features can help, as you may avoid rear impacts with the backup camera or the multiple different airbags will prevent a neck injury. So keep in mind that safety features aren’t just beneficial for discounts — they will also keep you protected.

Audi A8 Manufacturer Suggested Retail Price

How does the manufacturer’s suggested retail price (MSRP) relate to what you pay for insurance? Remember that insurers are the ones footing the bill after a crash, so a high MSRP means your insurer will have to pay more.

The two main car insurance coverages that a high MSRP will affect are collision and comprehensive coverages, as these two coverages pay for repairs to your vehicle after an accident.

To give you an estimate of how much the MSRP is for an Audi R8, we pulled prices from Kelley Blue Book (KBB) for a 2020 Audi R8 coupe.

  • MSRP: $172,850
  • Invoice price: $162,657

The invoice price is simply what sellers price the car at. Because the invoice price isn’t a set price, insurers tend to use the MSRP instead.

Unfortunately, the MSRP is very high for the Audi R8 Coupe. This means higher collision and comprehensive rates. Insurers also know what the best and worst vehicles for overall collision losses are, so a sports car like the Audi R8 Coupe will automatically have higher rates.

Rates will likely remain high no matter what style of Audi R8 you have or how old the Audi R8 is. So whether you are buying insurance for an Audi R8 used or an Audi R8 decennium, you can expect higher insurance rates.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Is an Audi R8 expensive to maintain? This is another question that you should be asking yourself in relation to insurance costs. Not only can expensive maintenance throw a wrench in your car budget, but expensive repair costs mean expensive car insurance rates because insurers are footing the bill after accidents.

Because the Audi A8 is so expensive to buy, the repair parts will also be expensive. While shopping around for repair shop estimates can bring costs down, keep in mind that your insurer may require you to use a specific shop after an accident.

We hope our guide to Audi A8 rates was helpful. Check out other rate articles on our site to learn about everything from what is the cheapest supercar to maintain to BMW I8 insurance cost.

Want to start finding rates for your car today? Enter your ZIP code in our free online tool.

Rates by Driver Age

Audi R8 Insurance Rates by Driver Age
Driver Age Premium
16 $5,802
20 $3,588
30 $1,628
40 $1,562
50 $1,426
60 $1,398

Full coverage, $500 deductibles

Rates by Deductible

Audi R8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,972
$250 $1,782
$500 $1,562
$1,000 $1,350

Full coverage, driver age 40

Rates by Liability Limit

Audi R8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,562
50/100 $1,717
100/300 $1,835
250/500 $2,143
100 CSL $1,764
300 CSL $2,025
500 CSL $2,215

Full coverage, driver age 40

Rates for High Risk Drivers

Audi R8 Insurance Rates for High Risk Drivers
Age Premium
16 $8,290
20 $5,724
30 $3,458
40 $3,384
50 $3,228
60 $3,198

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $219

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $84
Multi-vehicle $83
Homeowner $24
5-yr Accident Free $115
5-yr Claim Free $102
Paid in Full/EFT $72
Advance Quote $78
Online Quote $112
Total Discounts $670
Rate after discounts $892

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles