Audi R8 Insurance Rates

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 auto insurance rates for an Audi R8 are $1,646 annually for full coverage insurance. Comprehensive costs an estimated $368, collision costs $642, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing around $3,568. 16-year-old drivers pay the most at $6,072 a year or more.

Average premium for full coverage: $1,646

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different R8 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities.

The price range example below illustrates how location impacts insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below illustrates estimated Audi R8 insurance rates for other coverage scenarios.

• The best full coverage rate is $936
• Raising to $1,000 deductibles will save approximately $230 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,646
• Buying more expensive low deductibles will cost $2,090
• Drivers with multiple tickets or accidents could pay up to $3,568 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $6,072

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Auto insurance prices for an Audi R8 also have a wide range based on the model of your R8, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $6,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,900 to $2,700 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $680 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Audi R8 insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,220 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Audi R8 Insurance

Finding better rates on insurance for an Audi R8 consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a brief recap of the data touched on above.

• Insureds who want an increased level of liability coverage will pay around $530 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save approximately $200 per year simply by shopping early and online
• Increasing policy deductibles could save up to $675 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $506 per month if full coverage is included

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.

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.

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.

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.