Audi R8 insurance costs average $143 monthly for minimum coverage and $280 per month for full coverage. Depending on your trim and model year, costs range from $67 to $718 monthly.
Audi R8 Insurance Cost
Updated: November 15, 2025
Key Takeaways
Audi R8 insurance costs vary dramatically from $67 monthly for newer base models to $718 for high-performance trims like the 2012 GT variant.
The Audi R8 ranks 702nd out of 827 vehicles for insurance affordability in the US market, making it one of the most expensive cars to insure.
You'll find the most affordable Audi R8 coverage through The Hartford at $188 monthly for full coverage and minimum policies starting at $99 monthly.
How Much Is Audi R8 Insurance?
| Audi R8 | $143 | $280 |
Audi R8 Insurance Cost by Model Year
Your Audi R8's model year affects insurance rates, with newer vehicles costing more due to higher replacement value. Monthly premiums for R8 models range from $67 to $559, depending on the year.
| 2023 | $161 | $321 |
| 2022 | $69 | $136 |
| 2021 | $67 | $133 |
| 2020 | $76 | $151 |
| 2018 | $150 | $295 |
| 2017 | $140 | $275 |
| 2015 | $120 | $234 |
| 2014 | $113 | $220 |
| 2012 | $287 | $559 |
| 2011 | $192 | $374 |
| 2010 | $154 | $301 |
| 2009 | $114 | $223 |
| 2008 | $107 | $208 |
Audi R8 Insurance Cost by Trim
Your Audi R8's trim level dramatically affects insurance costs based on features, rarity and market value. Monthly premiums vary from $86 for the Performance model to $718 for the GT 5.2 FSI Quattro according to our analysis.
| Performance | $86 | $172 |
| Base | $93 | $183 |
| V8 Quattro | $105 | $204 |
| V10 Quattro | $122 | $239 |
| V10 Competition Quattro | $137 | $269 |
| V10 Plus Quattro | $138 | $272 |
| V10 Rws | $139 | $272 |
| 4.2 Quattro | $144 | $280 |
| Gt | $194 | $386 |
| 5.2 Quattro | $230 | $447 |
| Gt 5.2 Fsi Quattro | $368 | $718 |
Audi R8 Insurance Cost by Company
Audi R8 insurance costs vary by provider from $159 to $321 monthly. Minimum coverage ranges from $99 to $225, while full coverage costs $188 to $423. Rates differ due to varying risk assessment models.
| GEICO | $99 | $218 |
| Kemper | $106 | $220 |
| The Hartford | $110 | $188 |
| Travelers | $117 | $218 |
| State Farm | $119 | $249 |
| Progressive | $121 | $227 |
| Nationwide | $124 | $215 |
| UAIC | $162 | $201 |
| AAA | $166 | $345 |
| Chubb | $168 | $335 |
| AIG | $169 | $417 |
| Amica | $176 | $361 |
| Allstate | $218 | $423 |
| Farmers | $225 | $400 |
Audi R8 Insurance Cost by State
Audi R8 car insurance costs vary dramatically by state, from $68 monthly in Wyoming to $571 in Louisiana for minimum coverage.
| Alabama | $122 | $233 |
| Alaska | $107 | $231 |
| Arizona | $153 | $289 |
| Arkansas | $117 | $258 |
| California | $138 | $283 |
| Colorado | $137 | $325 |
| Connecticut | $177 | $309 |
| Delaware | $171 | $287 |
| Florida | $153 | $359 |
| Georgia | $176 | $293 |
| Hawaii | $72 | $165 |
| Idaho | $80 | $163 |
| Illinois | $130 | $245 |
| Indiana | $90 | $175 |
| Iowa | $89 | $214 |
| Kansas | $108 | $252 |
| Kentucky | $163 | $278 |
| Louisiana | $271 | $571 |
| Maine | $80 | $166 |
| Maryland | $199 | $337 |
| Massachusetts | $139 | $297 |
| Michigan | $207 | $408 |
| Minnesota | $121 | $255 |
| Mississippi | $133 | $263 |
| Missouri | $173 | $340 |
| Montana | $119 | $287 |
| Nebraska | $110 | $250 |
| Nevada | $206 | $371 |
| New Hampshire | $102 | $181 |
| New Jersey | $196 | $324 |
| New Mexico | $120 | $264 |
| New York | $148 | $267 |
| North Carolina | $101 | $200 |
| North Dakota | $101 | $218 |
| Ohio | $107 | $209 |
| Oklahoma | $139 | $308 |
| Oregon | $140 | $244 |
| Pennsylvania | $133 | $308 |
| Rhode Island | $172 | $307 |
| South Carolina | $124 | $234 |
| South Dakota | $91 | $283 |
| Tennessee | $111 | $226 |
| Texas | $168 | $342 |
| Utah | $129 | $221 |
| Vermont | $72 | $171 |
| Virginia | $129 | $208 |
| Washington | $123 | $228 |
| West Virginia | $139 | $281 |
| Wisconsin | $97 | $214 |
| Wyoming | $68 | $203 |
Audi R8 Insurance Cost by Driver Profile
Your driving profile affects Audi R8 insurance costs dramatically. Young drivers under 25 can expect monthly premiums around $533, while adult drivers between 26 to 64 without violations pay approximately $211 monthly.
| Adult Drivers | $143 | $280 |
| Young Drivers | $363 | $704 |
| Senior Drivers | $192 | $355 |
| Drivers With a Speeding Ticket | $177 | $350 |
| Drivers With an Accident | $211 | $410 |
| Drivers With a DUI | $264 | $511 |
| Drivers With Bad Credit | $346 | $701 |
Is an Audi R8 Expensive to Insure?
Compared to other models on the U.S. market, an Audi R8 ranks 702nd out of 827, making it one of the most expensive cars to insure. Among sports cars, the model ranks 46th out of 59.
| Mazda MX-5 Miata | $71 | $137 |
| Saturn Sky | $74 | $143 |
| Honda S2000 | $74 | $144 |
| Pontiac Firebird | $76 | $146 |
| Toyota Celica | $76 | $146 |
| Mazda RX-8 | $78 | $150 |
| Ford Thunderbird | $79 | $154 |
| Nissan 350Z | $82 | $158 |
| Pontiac Solstice | $82 | $159 |
| Chrysler Crossfire | $83 | $161 |
| Bmw Z3 | $85 | $165 |
| Porsche Boxster | $85 | $165 |
| Alfa Romeo 4C | $88 | $172 |
| Ford Mustang | $88 | $171 |
| Chevrolet SS | $91 | $177 |
| Scion FR-S | $94 | $181 |
| Cadillac XLR | $96 | $186 |
| Porsche Cayman | $96 | $186 |
| Chevrolet Camaro | $97 | $189 |
| Bmw Z4 | $98 | $190 |
| Fisker Karma | $98 | $190 |
| Nissan 370Z | $99 | $191 |
| Mercedes SLC | $102 | $199 |
| Toyota 86 | $103 | $199 |
| Toyota Supra | $104 | $203 |
| Chevrolet Corvette | $104 | $202 |
| Tesla Roadster | $107 | $208 |
| Mercedes SLK-Class | $111 | $214 |
| Subaru BRZ | $112 | $215 |
| Jaguar F-Type | $111 | $218 |
| Toyota GR86 | $112 | $217 |
| Bmw Z4 M | $113 | $222 |
| Bmw M6 | $117 | $230 |
| Mercedes SL | $119 | $233 |
| Karma Revero | $120 | $235 |
| Lexus LC | $120 | $235 |
| Bmw M2 | $124 | $242 |
| Dodge Viper | $130 | $253 |
| Nissan GT-R | $132 | $258 |
| Acura NSX | $132 | $259 |
| Mercedes CLE | $133 | $261 |
| Nissan Z | $136 | $267 |
| Bentley Continental | $136 | $268 |
| Porsche 718 | $138 | $271 |
| Dodge Charger | $141 | $272 |
| Audi R8 | $143 | $280 |
| Porsche Panamera | $146 | $287 |
| Bmw M4 | $150 | $294 |
| Porsche 911 | $151 | $297 |
| Bmw 8-series | $155 | $306 |
| Mercedes SLS-Class | $158 | $314 |
| Maserati Gran Turismo | $161 | $318 |
| Bmw i8 | $169 | $335 |
| Fiat 124 Spider | $182 | $353 |
| Dodge Challenger | $191 | $371 |
| Porsche Taycan | $231 | $454 |
| Karma Gysera | $284 | $556 |
| Karma Invictus | $300 | $588 |
| Karma Kaveya | $486 | $954 |
Factors That Affect Audi Car Insurance Costs
Several factors affect your Audi R8 insurance costs:
- Age (average 37 to 50): Mature drivers get better insurance rates due to experience and lower risk profiles.
- Gender (97% male): Male ownership correlates with higher risk-taking behaviors in performance vehicles.
- Income ($300,000+ annually): High-income drivers can afford comprehensive coverage but represent targets for higher liability claims.
- Education (67% college graduates): Higher education levels often correlate with more cautious driving habits and better insurance rates.
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467.
Vehicle Trim, Features and Accessories
The R8's high-performance capabilities (562-620 horsepower V10 engine, 0-60 mph in 3.2 seconds) increase insurance premiums. Advanced features like Quattro all-wheel drive add $30,000 to the base price, while premium packages can add another $8,000.
These sophisticated components require specialized parts and certified technicians, driving up both repair costs and insurance rates for comprehensive and collision coverage.
Fuel Type
The R8's high-performance V10 engine requires premium gasoline and has lower fuel efficiency due to its powerful design and aerodynamic profile. Unlike electric vehicles with specialized repair challenges, the R8's conventional gasoline engine is serviceable by most certified Audi technicians.
Performance-oriented maintenance like high-performance oils and specialized filters adds to ongoing costs that insurance companies factor into comprehensive coverage pricing.
Location
R8 owners concentrate in wealthy areas, particularly California's affluent ZIP codes like Atherton (94027), Newport Beach and Los Angeles, where median home values exceed $4 to $8 million.
These high-cost regions have elevated insurance rates due to increased accident costs, higher labor rates at certified repair facilities and greater likelihood of expensive vehicle damage claims.
Driver Profile
Most Audi R8 drivers are middle-aged males (97%) with high household incomes. The typical R8 owner profile includes:
How to Lower the Cost of Audi R8 Insurance
Below we break down the best way to buy car insurance for your Audi R8:
- 1Choose the right coverage
Three factors determine how much coverage to buy for your Audi: its value, your driving habits and what you can afford. Whether you choose minimum liability or 100/300/100 with comp, collision and gap coverage depends on your budget and whether you own, finance or lease the car.
- 2Research costs and cheap companies
Checking average auto insurance costs for your car can show you how your current rate compares and how much you might save by switching providers. You can then explore the cheapest car insurance companies.
- 3Look for more than just low rates
To find the most balanced car insurance for your Audi R8, review forum feedback, J.D. Power satisfaction scores, Better Business Bureau complaint records, and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers may process claims more slowly or offer limited coverage options, which could leave you underinsured after an accident.
- 4Explore discounts you qualify for
Audi R8 owners can snag serious savings by stacking discounts tied to multiple vehicles, bundled policies, low mileage, garage storage and high-earning professions. Since most R8s are weekend cars owned by people with strong security setups and professional backgrounds, these discounts tend to apply to a huge chunk of drivers.
- 5Consider alternative car insurance types
Audi R8 owners should consider Audi's insurance offerings (where available) for vehicle-specific coverage and competitive rates, or usage-based programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Audi R8 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Audi R8 Insurance Cost: Bottom Line
Insuring an Audi R8 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Audi R8 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi R8.
What is the average cost of car insurance for an Audi R8?
The Audi R8's average annual insurance cost is $1,714 for state minimum and $3,361 for full coverage.
What company has the cheapest car insurance for an Audi R8?
GEICO offers the cheapest minimum coverage auto insurance for an Audi R8, with an annual minimum coverage rate of $1,070. For those looking for full coverage policies, Travelers is the most cost-effective option at $2,034 per year.
Are Audi R8s expensive to insure?
Yes, Audi R8 insurance costs more than most cars. Out of 827 vehicles we track, the Audi R8 ranks 702nd for affordability.
What factors affect insurance costs for Audi R8s?
Several things drive up your Audi R8 rates. Your driving record and credit score, plus the coverage you pick, play a big role.
How can I lower Audi R8 insurance costs?
Shop around with multiple insurers as rates vary for Audis, and consider usage-based insurance programs that track your driving habits. Take advantage of Audi's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi R8 Insurance Costs
MoneyGeek analyzed hundreds of millions of quotes across all Audi R8 models sold in the U.S. between 2000 and 2025 to provide the most accurate insurance cost estimates.
Who We Based These Rates On
The Audi R8 insurance rates in our study reflect what a typical driver pays, based on the following profile:
- 40-year-old unmarried male
- Clean driving record (no tickets or accidents)
- Good credit score
- No prior insurance claims
- Drives about 12,000 miles per year
- Holds a valid driver’s license with no suspensions
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.