Audi R8 insurance costs vary by model year, with 2023 models reaching $321 monthly while older R8s cost just $67. Newer vehicles command higher premiums due to their greater market values.
Audi R8 Insurance Cost
Updated: January 21, 2026
Key Takeaways
Audi R8 insurance costs an average of $280 monthly for full coverage. Rates vary by model year and insurer. Read more
The R8 ranks 52nd out of 115 sports cars for insurance affordability, placing it in the middle tier. Sports cars cost more to insure than most vehicle types, making the R8 expensive. Read more
Check rates for your R8's model year to get accurate insurance costs. Read more
How Much Is Audi R8 Insurance?
Looking for another Audi model? Read more about the cost of Audi car insurance models.
Costs vary by model year and company. Full coverage for an Audi R8 spans $188 monthly with Hartford to $423 with Allstate, while minimum coverage goes from $99 with GEICO to $225 with Farmers.
Rate variations (more than $126 for minimum coverage and $235 for full coverage) demonstrate why R8 owners need to shop around. Each company calculates model-specific risk differently, which impacts your final quote.
| AAA | $166 | $345 |
| AIG | $169 | $417 |
| Allstate | $218 | $423 |
| Amica | $176 | $361 |
| Chubb | $168 | $335 |
| Farmers | $225 | $400 |
| Geico | $99 | $218 |
| Kemper | $106 | $220 |
| Nationwide | $124 | $215 |
| Progressive | $121 | $227 |
| State Farm | $119 | $249 |
| The Hartford | $110 | $188 |
| Travelers | $117 | $218 |
| UAIC | $162 | $201 |
Is Audi R8 Expensive to Insure?
Sports cars are notoriously pricey to insure, so comparing the Audi R8 to similar vehicles reveals its true affordability. MoneyGeek's analysis of 115 sports cars shows the R8 ranking 52nd for insurance costs, with 51 more affordable options available. It's positioned just a few dollars per month pricier than a Lotus Elise but slightly cheaper than an Aston Martin DBS.
While that's middle-tier among sports cars, the R8 ranks 702nd out of 827 total vehicles, placing it among the top 25% most expensive models to insure. The Mazda MX-5 Miata claims the cheapest sports car spot, while the Rolls Royce La Rose Noire commands the highest premiums.
| Porsche 718 | $204 | 49 |
| Dodge Charger | $206 | 50 |
| Lotus Elise | $208 | 51 |
| Audi R8 | $211 | 52 |
| Aston Martin DBS | $215 | 53 |
| Porsche Panamera | $217 | 54 |
| Mclaren GTS | $218 | 55 |
Your Audi R8 insurance costs depend on:
- Average repair or replacement costs: Audi R8 repairs average $1,082 annually, making it Audi's third most expensive model to maintain.
- Vehicle trim, features and accessories: The R8's performance capabilities (300 to 807 horsepower by trim) increase premiums. Higher trims like the V10 Competition Quattro increase premiums.
- Driver profile: Most Audi R8 drivers are middle-aged males (median age 46). Younger drivers pay higher rates, and the R8's performance reputation attracts risk-taking behaviors that concern insurers.
Audi R8 Insurance Cost by State
Car insurance for an Audi R8 costs as little as $68 per month in Wyoming or as much as $271 in Louisiana for minimum coverage. Your state's risk characteristics and insurance regulations drive these differences, not the vehicle itself.
| 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 Costs by Model Year and Insurance Company
Newer Audi R8 models tend to be more expensive to insure than older ones, though insurance costs for your R8 may change greatly depending on your specific model year and driver ages on your policy. Full coverage car insurance for a 35- to 55-year-old driver with a 2023 Audi R8 costs an average of $306 per month compared to $366 for a 2011 Audi R8. Young drivers in their teens and early twenties will pay much more to insure any R8 model year.
Available older models (2017 to 2020):
Cost of Car Insurance for 2023 Audi R8
| Nationwide | $77 | $133 |
| The Hartford | $85 | $144 |
| Kemper | $101 | $216 |
| National General | $113 | $232 |
| Travelers | $117 | $216 |
| Geico | $119 | $263 |
| Progressive | $120 | $225 |
| UAIC | $121 | $151 |
| State Farm | $135 | $286 |
| AIG | $180 | $448 |
| AAA | $184 | $384 |
| Chubb | $197 | $384 |
| Amica | $223 | $459 |
| Allstate | $223 | $438 |
| Farmers | $333 | $611 |
Cost of Car Insurance for 2022 Audi R8
| Nationwide | $33 | $57 |
| The Hartford | $36 | $61 |
| Kemper | $43 | $92 |
| National General | $48 | $98 |
| Travelers | $50 | $92 |
| Geico | $51 | $112 |
| Progressive | $51 | $96 |
| UAIC | $52 | $64 |
| State Farm | $57 | $121 |
| AIG | $76 | $190 |
| AAA | $78 | $163 |
| Chubb | $84 | $163 |
| Amica | $95 | $195 |
| Allstate | $95 | $186 |
| Farmers | $142 | $260 |
Cost of Car Insurance for 2021 Audi R8
| Nationwide | $32 | $55 |
| The Hartford | $35 | $60 |
| Kemper | $42 | $90 |
| National General | $47 | $96 |
| Travelers | $48 | $90 |
| Geico | $50 | $109 |
| Progressive | $50 | $94 |
| UAIC | $50 | $63 |
| State Farm | $56 | $119 |
| AIG | $75 | $186 |
| AAA | $76 | $160 |
| Chubb | $82 | $159 |
| Amica | $93 | $191 |
| Allstate | $93 | $182 |
| Farmers | $138 | $254 |
Cost of Car Insurance for 2020 Audi R8
| Nationwide | $36 | $63 |
| The Hartford | $40 | $68 |
| Kemper | $48 | $102 |
| National General | $53 | $109 |
| Travelers | $55 | $102 |
| Geico | $56 | $124 |
| Progressive | $57 | $106 |
| UAIC | $57 | $71 |
| State Farm | $63 | $135 |
| AIG | $85 | $211 |
| AAA | $86 | $181 |
| Chubb | $93 | $181 |
| Amica | $105 | $216 |
| Allstate | $105 | $206 |
| Farmers | $157 | $288 |
Cost of Car Insurance for 2018 Audi R8
| The Hartford | $100 | $170 |
| Kemper | $113 | $231 |
| Travelers | $120 | $224 |
| State Farm | $121 | $255 |
| Geico | $126 | $277 |
| National General | $129 | $264 |
| Progressive | $136 | $255 |
| Nationwide | $140 | $245 |
| UAIC | $160 | $202 |
| AAA | $167 | $350 |
| Chubb | $189 | $383 |
| Allstate | $201 | $388 |
| AIG | $209 | $524 |
| Amica | $210 | $432 |
| Farmers | $223 | $391 |
Cost of Car Insurance for 2017 Audi R8
| State Farm | $94 | $194 |
| The Hartford | $100 | $171 |
| Kemper | $116 | $239 |
| Geico | $120 | $265 |
| Progressive | $121 | $227 |
| National General | $128 | $262 |
| Travelers | $130 | $242 |
| Nationwide | $131 | $231 |
| UAIC | $165 | $210 |
| AAA | $174 | $365 |
| Allstate | $187 | $362 |
| Chubb | $199 | $402 |
| Amica | $210 | $432 |
| AIG | $211 | $533 |
| Farmers | $212 | $376 |
Audi R8 Insurance Cost by Trim
Audi R8 insurance costs range from $718 monthly for full coverage on high-performance GT 5.2 FSI Quattro variants down to $86 for minimum coverage on basic Performance models. Your trim's performance features and market value determine where you'll fall in this range.
| 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 |
How to Lower the Cost of Audi R8 Insurance
We've compiled the most effective strategies to help you reduce your Audi R8 insurance premiums:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Audi R8. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for performance vehicles. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your high-performance Audi in markets like Beverly Hills or Silicon Valley.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau records and confirm AM Best financial ratings. Budget options could provide limited coverage or slower service when you need claims processed quickly.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Audi R8 owners often qualify for safety features discounts, good driver rewards, policy bundling savings and anti-theft device discounts. These reductions can lower your premiums, especially important given the R8's higher insurance costs in areas like Manhattan or Miami Beach.
- 5Consider alternative car insurance types
Audi R8 owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions. Since R8s are often weekend or recreational vehicles, usage-based plans can offer substantial savings for limited mileage drivers in places like Scottsdale or Naples.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons might save up to 24% on your Audi R8 insurance. This is especially important for luxury vehicle owners, as rates fluctuate based on repair costs and theft statistics.
Audi R8 Insurance Cost: Bottom Line
Audi R8 insurance runs pricier than most vehicles, but you'll find competitive rates with smart shopping. Compare quotes from multiple insurers while maximizing discounts and adjusting coverage options to secure your best rate.
Audi R8 Insurance Rates: FAQ
What is the average cost of car insurance for an Audi R8?
Audi R8 insurance averages $1,714 annually for state minimum coverage and $3,361 for full coverage. Monthly premiums run $143 for minimum and $280 for comprehensive protection.
What company has the cheapest car insurance for an Audi R8?
Nationwide is the cheapest for many models of the Audi R8.
Are Audi R8s expensive to insure?
Yes, Audi R8 insurance costs more than most vehicles. This model ranks 702nd out of 827 vehicles for affordability, though it places 52nd out of 115 sports cars for insurance costs.
What factors affect insurance costs for Audi R8s?
Various elements affect your Audi R8 insurance premiums. The sports car's high-performance engine and expensive specialized parts make repairs costly, which concerns insurers. Your personal driving record, credit score, and chosen coverage levels also impact your rates.
How can I lower Audi R8 insurance costs?
Compare quotes from multiple insurers since Audi R8 pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies together and maintain a clean driving record to secure better rates.
How We Determined Audi R8 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models to provide the most accurate Audi R8 insurance costs.
Who We Based These Rates On
These Audi R8 rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.