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.

Average insurance rates for an Audi R8 are $1,488 a year including full coverage. Comprehensive insurance costs around $322 each year, collision insurance costs $534, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs $3,218 or more. Teen drivers receive the highest rates at up to $5,556 a year.

Average premium for full coverage: $1,488

Rate estimates for individual coverage type:

Comprehensive $322
Collision $534
Liability $474

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and R8 models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as low as $522 for basic liability insurance to a high rate of $3,218 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,488
High Risk $3,218

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,116
Small Cities $1,562
Large Cities $2,009

These examples highlight why all drivers should get quotes for a specific zip code and risk profile, rather than using price averages.

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.

Rate Comparisons

The chart below breaks down average Audi R8 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $855
  • Choosing higher $1,000 deductibles can save about $194 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,488
  • Choosing low deductibles for comp and collision coverage will cost an extra $376 each year
  • Drivers with multiple violations and an at-fault accident could pay at least $3,218
  • The cost for full coverage for a teenage driver can be $5,556 each year

View Chart as Image

Audi R8 insurance cost comparison chart
Column chart showing Audi R8 insurance prices range from $855 to $5,556 for full coverage

Insurance rates for an Audi R8 can also vary considerably based on your driver profile, the model of your R8, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $5,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Audi R8 insurance rates. A good driver about age 40 could pay as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,120 on average in Michigan, New York, and Louisiana.

Audi R8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,346 -$142 -9.5%
Alaska $1,140 -$348 -23.4%
Arizona $1,234 -$254 -17.1%
Arkansas $1,488 -$0 0.0%
California $1,696 $208 14.0%
Colorado $1,422 -$66 -4.4%
Connecticut $1,530 $42 2.8%
Delaware $1,684 $196 13.2%
Florida $1,862 $374 25.1%
Georgia $1,372 -$116 -7.8%
Hawaii $1,068 -$420 -28.2%
Idaho $1,006 -$482 -32.4%
Illinois $1,108 -$380 -25.5%
Indiana $1,120 -$368 -24.7%
Iowa $1,004 -$484 -32.5%
Kansas $1,414 -$74 -5.0%
Kentucky $2,030 $542 36.4%
Louisiana $2,202 $714 48.0%
Maine $918 -$570 -38.3%
Maryland $1,226 -$262 -17.6%
Massachusetts $1,190 -$298 -20.0%
Michigan $2,584 $1,096 73.7%
Minnesota $1,244 -$244 -16.4%
Mississippi $1,780 $292 19.6%
Missouri $1,320 -$168 -11.3%
Montana $1,598 $110 7.4%
Nebraska $1,172 -$316 -21.2%
Nevada $1,784 $296 19.9%
New Hampshire $1,070 -$418 -28.1%
New Jersey $1,662 $174 11.7%
New Mexico $1,318 -$170 -11.4%
New York $1,568 $80 5.4%
North Carolina $856 -$632 -42.5%
North Dakota $1,218 -$270 -18.1%
Ohio $1,026 -$462 -31.0%
Oklahoma $1,530 $42 2.8%
Oregon $1,362 -$126 -8.5%
Pennsylvania $1,420 -$68 -4.6%
Rhode Island $1,984 $496 33.3%
South Carolina $1,348 -$140 -9.4%
South Dakota $1,256 -$232 -15.6%
Tennessee $1,302 -$186 -12.5%
Texas $1,792 $304 20.4%
Utah $1,100 -$388 -26.1%
Vermont $1,018 -$470 -31.6%
Virginia $892 -$596 -40.1%
Washington $1,152 -$336 -22.6%
West Virginia $1,364 -$124 -8.3%
Wisconsin $1,032 -$456 -30.6%
Wyoming $1,326 -$162 -10.9%

View Chart as Image

Audi R8 insurance rates by U.S. city

Choosing high deductibles can save as much as $570 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,800 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 135% more than average. 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 $1,414 $118
Audi R8 4.2 Quattro $1,414 $118
Audi R8 5.2 Quattro 10Cyl $1,542 $129
Audi R8 5.2 Quattro 10Cyl $1,542 $129

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 $322 $534 $474 $1,488

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 Cheaper Audi R8 Insurance

Saving money on auto insurance takes avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a condensed summary of the concepts that were covered above.

  • Drivers with multiple at-fault accidents pay on average $1,730 more every year for car insurance
  • Teenagers are charged the highest rates, as much as $463 per month including comprehensive and collision insurance
  • You may be able to save up to $180 per year just by quoting online in advance
  • Increasing deductibles can save around $575 each year
  • You may be able to save up to $180 per year just by quoting online in advance

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 $5,556
20 $3,410
30 $1,548
40 $1,488
50 $1,356
60 $1,330

Full coverage, $500 deductibles

Rates by Deductible

Audi R8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,864
$250 $1,690
$500 $1,488
$1,000 $1,294

Full coverage, driver age 40

Rates by Liability Limit

Audi R8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,488
50/100 $1,637
100/300 $1,755
250/500 $2,063
100 CSL $1,684
300 CSL $1,945
500 CSL $2,135

Full coverage, driver age 40

Rates for High Risk Drivers

Audi R8 Insurance Rates for High Risk Drivers
Age Premium
16 $7,932
20 $5,440
30 $3,282
40 $3,218
50 $3,068
60 $3,040

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 $207

Potential Rate Discounts

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

Discount Savings
Multi-policy $80
Multi-vehicle $79
Homeowner $23
5-yr Accident Free $108
5-yr Claim Free $97
Paid in Full/EFT $67
Advance Quote $73
Online Quote $106
Total Discounts $633
Rate after discounts $855

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

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