2016 Audi R8 Insurance Rates
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UPDATED: Mar 8, 2020
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Average insurance rates for an 2016 Audi R8 are $2,332 a year including full coverage. Comprehensive insurance costs approximately $524 each year, collision costs $1,208, and liability insurance costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing $5,132 or more. Teenage drivers receive the highest rates at $8,352 a year or more.
Annual premium for full coverage: $2,332
Rate estimates for 2016 Audi R8 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2016 Audi R8 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $496 for a discount liability-only rate to a high rate of $5,132 for high-risk insurance.
These differences highlight why all drivers should compare prices using their specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2016 Audi R8 Insurance
Trying to find the cheapest insurance rates for your Audi R8? Saving money on insurance can be a challenge for beginners to comparison shopping online. There are so many options that it can be a ton of work to locate the lowest price.
This article will tell you how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Nevertheless, consumers benefit from understanding the way insurance companies market insurance on the web.
Compare the Market for Insurance
There are a variety of methods to shop for 2016 Audi R8 insurance, but some are more efficient than others. You can waste hours driving to agents in your area, or you could use the internet to maximize your effort.
Many of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and every company returns a rated price determined by their information. This saves time by eliminating quote requests to each individual insurance company.
To participate in this free quote system, click to open in new window.
The one disadvantage to doing it this way is that you can’t choose which companies you will receive quotes from. So if you want to choose specific insurance companies to compare rates, we have a page of insurance companies in your area. View list of insurance companies.
Whichever method you choose, make darn sure you compare apples-to-apples quote information with every price quote. If you have higher or lower deductibles it will be next to impossible to make an equal comparison. Just a small difference in coverages may result in large price differences. And when comparison shopping, comparing more company’s prices helps locate a better price.
Don’t pay full price with these six discounts
The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at the time of quoting, but a few need to be specially asked for in order for you to get them.
- Accident Free – Drivers with accident-free driving histories pay much less when compared with frequent claim filers.
- Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
- Student in College – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
- Low Mileage Discounts – Keeping the miles down on your Audi could qualify for lower rates on the low mileage vehicles.
- Paperwork-free – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
- Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can receive discounts of 20% or more.
Drivers should understand that most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, companies don’t profit that way. But all discounts will cut your overall premium however.
Companies that may offer some of the above discounts are:
Double check with each company which discounts they offer. All car insurance discounts may not apply in your state.
Your personal situation dictates your coverage
When choosing coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.
For instance, these questions might point out whether your personal situation might need an agent’s assistance.
- Do I have newly-aquired coverage?
- Why am I required to buy high-risk coverage?
- Does liability extend to a camper or trailer?
- Do I need roadside assistance coverage?
- Am I covered if I break a side mirror?
- What is no-fault insurance?
- When should I not file a claim?
- Is upholstery damage covered by car insurance?
If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.
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Insurance policy specifics
Having a good grasp of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Auto liability insurance
Liability coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like emergency aid, attorney fees, medical expenses, bail bonds and court costs. How much coverage you buy is up to you, but buy as high a limit as you can afford.
Auto collision coverage
This coverage will pay to fix damage to your R8 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Comprehensive auto coverage
This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like vandalism, hitting a bird, hail damage, hitting a deer and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage pay for bills such as dental work, X-ray expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Buy Smart and Save
Insureds who switch companies do it for a variety of reasons including policy cancellation, delays in paying claims, lack of trust in their agent and even extreme rates for teen drivers. Regardless of your reason, finding the right insurance provider can be pretty painless.
While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. In many instances, an insured dropped comprehensive coverage or liability limits only to regret that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
You just read some good ideas how you can lower your 2016 Audi R8 insurance rates. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a smaller regional carrier.
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- What to do at the Scene of an Accident (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
- Your Car has been Stolen: Now What? (Allstate)
Rates by U.S. City
|New York City, NY||$3,687|
|Los Angeles, CA||$3,990|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$199|
|5-yr Claim Free||$158|
|Paid in Full/EFT||$126|
Discounts are estimated and may not be available from every company or in every state.