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.

U.S. average insurance rates for an Audi R8 are $1,562 a year with full coverage. Comprehensive costs on average $342, collision costs $588, and liability coverage is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $3,384. Teen drivers pay the highest rates at $5,802 a year or more.

Average premium for full coverage: $1,562

Price estimates by individual coverage:

Includes $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different R8 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how location impacts car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using price averages.

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

Additional Charts and Tables

The chart below details estimated Audi R8 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $892
• Raising to $1,000 deductibles will save around $212 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,562
• Choosing more expensive low deductibles will increase the cost to $1,972
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,384 or more
• The price for full coverage for a teenage driver with full coverage may cost $5,802

View Chart as Image

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

An older driver with a good driving record and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age

The state you live in also has a big influence on Audi R8 insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,110 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $630 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 129% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.

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 Find the Cheapest Audi R8 Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following is a recap of the car insurance concepts touched on above.

• Drivers that have major violations or accidents may be required to pay an average of $1,820 more each year for R8 insurance
• You may be able to save as much as $190 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $625 each year
• Consumers who require higher liability limits will pay about $520 every year to raise from a low limit to 250/500 limits

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.