Audi R8 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi R8 costs more than most other cars to insure.
• Full coverage for a R8 normally comes in at around $326 per month, while liability only auto insurance premiums tend to be about $80.
• The Hartford is the most affordable insurance carrier for a R8.

R8 Overview

The Audi R8 is a high-end car for drivers with extra room in their budgets, with base prices starting at $169,900 for 2020 models.

After analyzing thousands of car insurance quotes through Compare.com, we've determined that, on average, Audi R8 auto insurance prices run around $349 monthly. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for an Audi R8?

In the table above, you'll find that Audi R8 insurance rates are higher than average. On average, R8 drivers will pay about $326 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $80 a month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When you compare it to other models, the R8 is more expensive, with prices around 72% higher than Audi's other vehicle offerings. But compared to other vehicles of a similar body style, R8 coverage runs close to average, with liability insurance premiums $3 cheaper than other cars and full coverage insurance rates coming in $149 higher.

Compared to all vehicles, regardless of model, body style, or make, the R8 is more expensive for full coverage insurance, but liability only prices are slightly lower.

Who has the Cheapest Car Insurance for an Audi R8?

Browsing for an auto insurance policy for your Audi R8? You're probably most interested in which company offers the most affordable rates. Even though there will never be one carrier that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $31 a month from Workmens. The next lowest company is MetroMile, who offers car insurance as little as $41 monthly.

MetLife, Mercury, and SafeAuto finish off the rest of the top 5. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Audi R8.

Insurance carriers take a wide array of factors into consideration when calculating how much to charge you. By analyzing quotes from many auto insurance companies at once, you can be confident you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for an Audi R8?

There are lots of factors that insurance carriers take into account to choose how much they charge you for a policy -- and every carrier uses a different method, so there's not just one company that's the most affordable for everyone.

Keep reading to learn which variables auto insurance companies look at and how they affect your final rate:

Vehicle Age

The Audi R8 has been around for a while, so vehicle age may play a role in what you end up paying for car insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and R8s begin to depreciate, insurance costs will gradually go down.

As you can see in the table above, the Audi R8 is an outlier, as the cheapest models to insure are those that are 4 to 5 years old, while the most expensive models are 8 to 10 years old, on average.

Your Age

Your age is another variable that plays a big role in how much auto insurance carriers will charge for car insurance. In the table above, you'll see that those with more experience have cheaper premiums compared to the youngest drivers. Audi R8 drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the R8.

Your Gender

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. So, women tend to get cheaper rates than men. Surprisingly, when it comes to R8 drivers specifically, men pay about 61% less than women a month for insurance. But due to the small sample size of R8 data, this pricing may not be representative of the rates you may see.

Where You Live

You might already know that things like how old you are and what vehicle you drive play a role in your car insurance prices, but you may not realize that where you live has just as much of an impact. Since auto insurance is regulated on a state-by-state basis, premiums fluctuate quite a bit from state to state.

For example, the average Audi R8 owner from New York pays around $87 per month for liability coverage. Meanwhile, on average, the same driver in California will pay $41 less than that price.

Audi R8 Car Insurance Discounts

Whatever what state you live in, how old you are, or what car you drive, it's always in your best interest to take advantage of as many insurance discounts as possible when shopping around for a policy.

Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Multi-policy discounts for using the same insurance company for both your home and car insurance

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), there is quite bit in your control. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've no doubt heard ads from insurance carriers posting hefty discounts for safe drivers. And you probably wouldn't be surprised that if you get a ticket for speeding or get into a collision, car insurance rates will increase. But you're probably wondering exactly how much these infractions will cost you.

You can tell from the table above that accidents will usually cost R8 drivers more than tickets, but both will result in higher than normal rates. The rates only go up the more collisions you have or tickets you get.

How Much You Drive

Another factor you have control over is how much you drive each year. Those who are on the roads less often have fewer opportunities to get into an accident, so they'll usually end up spending less on auto insurance. Above, you can see that Audi R8 owners who drive fewer than 2,500 miles per year pay about $63 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $91.

If you don't use your Audi R8 to travel or commute regularly, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Audi R8s Compare to Other Vehicles?

If you're considering making an Audi R8 your next purchase, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Review the table below to see how the Audi R8 compares:

Overall, the Audi R8 is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. While the national average vehicle price is $46,547, the R8 comes in above that at $169,900.

Full coverage insurance for an Audi R8 is about $442 per month more than average, while liability only coverage is over $40 cheaper a month.

However, it is worth noting that the R8 owners tend to drive their cars less than the average American driver, with only 9,546 annual miles for the average owner.

Audi R8 Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect a driver's auto insurance prices. If you're in the market for a new car, truck, or SUV and the R8 is on your wishlist, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2020 Audi R8 Car Insurance

You can expect full coverage for a 2020 R8 to run around $611 monthly, while liability only coverage will average about $41 per month.

MetroMile has premiums as little as just $41 a month for the 2020 Audi R8.

If you want to know exactly how much you can expect to pay for your R8, get free quotes in minutes by just entering your ZIP code below.

2018 Audi R8 Car Insurance

The average cost to insure a 2018 Audi R8 with liability only coverage is $45 per month, while full coverage runs around $270 monthly.

With rates as low as $45 a month, SafeAuto offered the lowest policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2017 Audi R8 Car Insurance

It costs about $54 monthly for liability or $328 for a full coverage policy for the 2017 R8.

With premiums as cheap as $25 per month, Mercury offered the most affordable policy we found for the 2017 Audi R8.

What could your car insurance premium look like? Enter your ZIP code below to get lots of free personalized quotes.

2015 Audi R8 Car Insurance

2015 Audi R8 drivers can expect to pay an average of $51 a month for liability or $465 for full coverage.

We found The Hartford offered the cheapest policy, with rates as cheap as just $31 monthly.

If you want to know exactly how much you can expect to pay for your R8, just enter your ZIP code below and get several free quotes in minutes.

2014 Audi R8 Car Insurance

On average, drivers who own a 2014 R8 can expect to pay $62 to $350 per month for liability only and full coverage auto insurance, respectively.

Mercury offered the lowest policy we found, with rates sometimes as low as $29 a month.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get several free personalized quotes.

2012 Audi R8 Car Insurance

It costs around $55 monthly for liability or $223 for a full coverage policy for the 2012 Audi R8.

If you're looking for the cheapest possible 2012 Audi R8 insurance policy, Mapfre offered the most affordable policy we found, with rates sometimes as little as $44 per month.

These average prices are a great starting point if you're in the market for a 2012 Audi R8, but there are many factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2011 Audi R8 Car Insurance

The average cost to insure a 2011 R8 with liability only coverage is $72 a month, while full coverage runs about $192 monthly.

Looking for the cheapest policy? MetLife offered liability only coverage for as low as just $25 a month.

Interested in what your insurance rate could look like? Get a variety of customized quotes for free by just entering your ZIP code below.

2010 Audi R8 Car Insurance

You can expect full coverage for a 2010 Audi R8 to run around $252 per month, while liability only coverage will average about $54 a month.

If you're looking for the lowest possible 2010 Audi R8 insurance policy, Coverhound offered the lowest policy we found, with rates sometimes as cheap as $21 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

Audi R8 Insurance FAQs

Is an Audi R8 expensive to insure?

Liability insurance runs an average of $80 monthly, while full coverage will cost you around $326. The Audi R8 is more expensive to insure compared to the average car.

How can I get the best price on car insurance for my Audi R8?

The only way to confirm you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from a range of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Audi R8 affect my insurance rates?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. There are a bunch of things auto insurance companies consider when they decide how much your policy will be, but the color of your R8 isn't one of them.

Do I need to have insurance before I buy an Audi R8?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships might offer you a car insurance policy as part of the car-buying process, but it's best to let your car insurance company know before you buy.

What car insurance discounts can I get for my Audi R8?

You will find a range of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your Audi R8 and more on you, but if your R8 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, get in touch with your insurance carrier and ask about their discounts.