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2016 Audi R8 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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

Comprehensive $524
Collision $1208
Liability $442

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.

Liability Only $496
Full Coverage $2,332
High Risk $5,132

View Chart as Image

2016 Audi R8 insurance rates compared
Column chart showing 2016 Audi R8 insurance prices range from $1260 to $8,352 for full coverage

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

Searching Companies

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.

Additional articles

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Rates by U.S. City

2016 Audi R8 Insurance Rates by City
City Premium
New York City, NY $3,687
Los Angeles, CA $3,990
Philadelphia, PA $3,116
Jacksonville, FL $3,385
Phoenix, AZ $2,713
Chicago, IL $3,128
Houston, TX $3,656
Seattle, WA $2,271
Columbus, OH $1,951
Indianapolis, IN $1,987

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Audi R8 Insurance Rates by Driver Age
Driver Age Premium
16 $8,352
20 $5,486
30 $2,474
40 $2,332
50 $2,126
60 $2,090

Full coverage, $500 deductibles

Rates by Deductible

2016 Audi R8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $3,106
$250 $2,742
$500 $2,332
$1,000 $1,940

Full coverage, driver age 40

Rates by Liability Limit

Audi R8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $2,332
50/100 $2,420
100/300 $2,531
250/500 $2,818
100 CSL $2,465
300 CSL $2,708
500 CSL $2,885

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Audi R8 Insurance Rates for High Risk Drivers
Age Premium
16 $12,072
20 $8,760
30 $5,290
40 $5,132
50 $4,896
60 $4,860

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 $349

Potential Rate Discounts

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

Discount Savings
Multi-policy $130
Multi-vehicle $125
Homeowner $31
5-yr Accident Free $199
5-yr Claim Free $158
Paid in Full/EFT $126
Advance Quote $129
Online Quote $174
Total Discounts $1,072
Rate after discounts $1,260

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

Find companies with the cheapest rates in your area

2016 Audi R8 Insurance Rates by State
State Premium
Alabama $2,110
Alaska $1,790
Arizona $1,938
Arkansas $2,332
California $2,660
Colorado $2,228
Connecticut $2,398
Delaware $2,640
Florida $2,918
Georgia $2,154
Hawaii $1,676
Idaho $1,580
Illinois $1,738
Indiana $1,758
Iowa $1,574
Kansas $2,218
Kentucky $3,184
Louisiana $3,454
Maine $1,440
Maryland $1,924
Massachusetts $1,866
Michigan $4,052
Minnesota $1,952
Mississippi $2,796
Missouri $2,070
Montana $2,508
Nebraska $1,840
Nevada $2,796
New Hampshire $1,680
New Jersey $2,608
New Mexico $2,066
New York $2,458
North Carolina $1,344
North Dakota $1,910
Ohio $1,612
Oklahoma $2,396
Oregon $2,138
Pennsylvania $2,226
Rhode Island $3,114
South Carolina $2,112
South Dakota $1,970
Tennessee $2,044
Texas $2,812
Utah $1,728
Vermont $1,596
Virginia $1,398
Washington $1,802
West Virginia $2,138
Wisconsin $1,614
Wyoming $2,078

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