Audi R8 Insurance Rates

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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: Jun 4, 2023

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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.

U.S. average insurance rates for an Audi R8 are $1,562 a year for full coverage insurance. Comprehensive insurance costs an estimated $342, collision insurance costs $588, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $3,384 or more. Teenage drivers pay the highest rates at up to $5,802 a year.

Average premium for full coverage: $1,562

Price estimates broken down by individual coverage:

Comprehensive $342
Collision $588
Liability $474

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all R8 models.

Price Range from Low to High

For a driver in their 40's, Audi R8 insurance prices range from as low as $522 for your basic liability-only policy to the much higher price of $3,384 for a policy for a high-risk driver.

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

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how location helps determine insurance prices.

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

The ranges above illustrate why everyone should compare rates for a targeted area and risk profile, instead of using average rates.

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.

More Rate Information

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

  • The best discount rate is $892
  • Drivers who choose higher $1,000 deductibles will pay approximately $212 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,562
  • Using pricier low deductibles for comprehensive and collision insurance will cost an extra $410 every year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $3,384
  • The price for full coverage for a teen driver for full coverage can cost as much as $5,802 a year

View Chart as Image

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

Insurance prices for an Audi R8 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,800 a year. View Rates by Age

The state you live in makes a big difference in Audi R8 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,110 on average in Florida, New York, 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

Using high physical damage deductibles could save up to $630 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,800 to $2,500 additional each year, depending on your age. Audi R8 insurance for high-risk drivers can cost as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

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 2009 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
2009 Audi R8 $342 $588 $474 $1,562

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 More Affordable Audi R8 Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also having a good credit history, not filing small claims, and possibly raising deductibles. Invest time comparing rates every year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a summary of the coverage data covered in the charts and tables above.

  • It is possible to save approximately $190 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $625 each year
  • Drivers age 20 and younger are expensive to insure, as much as $484 a month including comprehensive and collision insurance
  • Higher risk drivers who have multiple accidents or major violations pay on average $1,820 more annually to buy Audi R8 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.

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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.

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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.

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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.

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