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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: May 1, 2020

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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.

Estimated auto insurance rates for an Audi R8 are $2,488 annually with full coverage. Comprehensive insurance costs on average $594 a year, collision insurance costs $1,338, and liability costs around $398. A policy with only liability insurance costs as low as $460 a year, and a high-risk policy costs $5,466 or more. Teens pay the most at up to $8,758 a year.

Average premium for full coverage: $2,488

Premium estimates by type of coverage:

Comprehensive $594
Collision $1338
Liability $398

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and R8 trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for an Audi R8 range from as cheap as $460 for just the minimum liability insurance to a high of $5,466 for a driver who has had serious violations or accidents.

Liability Only $460
Full Coverage $2,488
High Risk $5,466

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine car insurance rates.

Rural Areas $1,866
Small Cities $2,612
Large Cities $3,359

These rate differences demonstrate why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $1,339
  • Using higher $1,000 deductibles will save around $2,052 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $2,488
  • Selecting low $100 deductibles for physical damage coverage costs an additional $864 annually
  • High-risk insureds with serious driving violations could pay upwards of $5,466
  • An auto insurance policy with full coverage for a 16-year-old driver may cost $8,758 or more

View Chart as Image

Audi R8 insurance cost comparison chart
Column chart showing Audi R8 insurance prices range from $1,339 to $8,758 for full coverage

Car insurance prices for an Audi R8 also have a wide range based on the model of your R8, your driving record, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $2,300 a year, or $192 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $8,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $3,000 to $4,000 extra annually, depending on your age. A high-risk auto insurance policy can be from 46% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $1,300 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Audi R8 insurance prices. A driver around age 40 might see prices as low as $1,790 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $3,360 on average in Florida, Michigan, and New York.

Audi R8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $2,252 -$236 -9.5%
Alaska $1,910 -$578 -23.2%
Arizona $2,066 -$422 -17.0%
Arkansas $2,488 -$0 0.0%
California $2,838 $350 14.1%
Colorado $2,378 -$110 -4.4%
Connecticut $2,562 $74 3.0%
Delaware $2,816 $328 13.2%
Florida $3,116 $628 25.2%
Georgia $2,300 -$188 -7.6%
Hawaii $1,790 -$698 -28.1%
Idaho $1,684 -$804 -32.3%
Illinois $1,858 -$630 -25.3%
Indiana $1,876 -$612 -24.6%
Iowa $1,682 -$806 -32.4%
Kansas $2,366 -$122 -4.9%
Kentucky $3,398 $910 36.6%
Louisiana $3,686 $1,198 48.2%
Maine $1,536 -$952 -38.3%
Maryland $2,052 -$436 -17.5%
Massachusetts $1,992 -$496 -19.9%
Michigan $4,328 $1,840 74.0%
Minnesota $2,084 -$404 -16.2%
Mississippi $2,984 $496 19.9%
Missouri $2,210 -$278 -11.2%
Montana $2,676 $188 7.6%
Nebraska $1,962 -$526 -21.1%
Nevada $2,988 $500 20.1%
New Hampshire $1,794 -$694 -27.9%
New Jersey $2,784 $296 11.9%
New Mexico $2,206 -$282 -11.3%
New York $2,624 $136 5.5%
North Carolina $1,434 -$1,054 -42.4%
North Dakota $2,038 -$450 -18.1%
Ohio $1,720 -$768 -30.9%
Oklahoma $2,558 $70 2.8%
Oregon $2,282 -$206 -8.3%
Pennsylvania $2,376 -$112 -4.5%
Rhode Island $3,324 $836 33.6%
South Carolina $2,256 -$232 -9.3%
South Dakota $2,102 -$386 -15.5%
Tennessee $2,180 -$308 -12.4%
Texas $3,000 $512 20.6%
Utah $1,842 -$646 -26.0%
Vermont $1,702 -$786 -31.6%
Virginia $1,490 -$998 -40.1%
Washington $1,926 -$562 -22.6%
West Virginia $2,284 -$204 -8.2%
Wisconsin $1,724 -$764 -30.7%
Wyoming $2,218 -$270 -10.9%

View Chart as Image

Audi R8 insurance rates by U.S. city

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 $2,320 $193
Audi R8 4.2 Quattro $2,320 $193
Audi R8 5.2 Quattro 10Cyl $2,616 $218
Audi R8 5.2 Quattro 10Cyl $2,616 $218

Rates assume 2020 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
2020 Audi R8 $594 $1,338 $398 $2,488
2019 Audi R8 $574 $1,306 $416 $2,454
2018 Audi R8 $554 $1,252 $430 $2,394
2017 Audi R8 $524 $1,208 $442 $2,332
2016 Audi R8 $504 $1,122 $452 $2,236
2015 Audi R8 $484 $1,056 $456 $2,154
2014 Audi R8 $464 $946 $460 $2,028
2012 Audi R8 $418 $816 $464 $1,856
2011 Audi R8 $408 $762 $474 $1,802
2010 Audi R8 $378 $708 $474 $1,718
2009 Audi R8 $368 $642 $478 $1,646
2008 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 Buy Low Cost Audi R8 Insurance

Finding better rates on insurance for an Audi R8 requires being a good driver, having a good credit score, being claim-free, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting rates from direct companies, and also from local independent and exclusive agents.

The following list is a review of the ideas that were covered in the charts and tables above.

  • Drivers age 16 to 20 are expensive to insure, possibly costing $730 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have several accidents or serious violations pay an average of $2,980 more each year than a safer driver
  • Increasing policy deductibles could save up to $1,300 each year
  • You may be able to save as much as $330 per year just by quoting early and online

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 $8,758
20 $5,844
30 $2,652
40 $2,488
50 $2,266
60 $2,228

Full coverage, $500 deductibles

Rates by Deductible

Audi R8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $3,352
$250 $2,948
$500 $2,488
$1,000 $2,052

Full coverage, driver age 40

Rates by Liability Limit

Audi R8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $2,488
50/100 $2,696
100/300 $2,795
250/500 $3,054
100 CSL $2,735
300 CSL $2,954
500 CSL $3,114

Full coverage, driver age 40

Rates for High Risk Drivers

Audi R8 Insurance Rates for High Risk Drivers
Age Premium
16 $12,686
20 $9,316
30 $5,646
40 $5,466
50 $5,210
60 $5,172

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 $370

Potential Rate Discounts

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

Discount Savings
Multi-policy $140
Multi-vehicle $131
Homeowner $31
5-yr Accident Free $216
5-yr Claim Free $169
Paid in Full/EFT $137
Advance Quote $139
Online Quote $186
Total Discounts $1,149
Rate after discounts $1,339

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

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