Audi R8 insurance costs average $143 monthly for minimum coverage and $280 per month for full coverage. Depending on your particular trim and model year, costs can range from $67 to $718 monthly.
Audi R8 Insurance Cost
Updated: September 25, 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 and available trims affect insurance rates, with newer vehicles usually costing more due to higher fair value. Monthly premiums for R8 models range from $67 to $559, depending on the year you drive.
| 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 its features, rarity, desirability and market value. Monthly premiums vary widely across trim levels, ranging 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 |
Compare Personalized Audi R8 Insurance Costs
We broke down Audi R8 insurance costs by model year and trim for accurate estimates.
Data filtered by:Results filtered by:
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Model Year:2008
Select
Trim:4.2 Quattro
| 4.2 Quattro | $107 | $208 |
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 vary due to different risk assessment models.
| 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 |
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. Your age and driving record determine which category you'll fall into.
| 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?
You might be concerned about Audi insurance costs given the vehicle's luxury status. Compared to the rest of the 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 generally receive 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 that might have specialized repair challenges, the R8's conventional gasoline engine is serviceable by most certified Audi technicians.
But, 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 high insurance rates due to increased accident costs, higher labor rates at certified repair facilities and greater likelihood of expensive vehicle damage claims. Limited availability of specialized Audi Sport service centers in certain regions can also increase repair costs.
Driver Profile
Most Audi R8 drivers are middle-aged males (97%) with high household incomes. Based on forum data and manufacturer research, the typical R8 owner profile includes:
Cheapest Audi R8 Insurance Companies
If you're shopping for R8 insurance, The Hartford offers the most affordable full coverage with monthly premiums averaging $188. For drivers who only need minimum coverage on their R8, GEICO provides the cheapest option at $99 per month.
| The Hartford | $110 | $188 |
| GEICO | $99 | $218 |
| Kemper | $106 | $220 |
| Travelers | $117 | $218 |
| Nationwide | $124 | $215 |
Cheapest Audi R8 Insurance by State
Overall, we found that the following are the top three most affordable car insurance providers in the state for an Audi R8
- Auto-Owners: Wins for affordability in 12 states
- Progressive: Wins for affordability in six states
- GEICO: Wins for affordability in five states
You can filter to see who offers the most affordable auto insurance rates for your Audi R8.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Auto Owners | $67 |
How to Get the Best Cheap Audi R8 Insurance
Below we break down the best way to buy car insurance for your Audi R8:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Audi's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and what you could save with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Audi R8, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Audi R8 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): R8 owners' high-income profile (supercar buyers typically earn $250,000+ annually) often means multiple luxury vehicles, making multi-car discounts from major insurers highly valuable.
- Bundling/Multi-Policy Discount (10% to 25% savings): With R8 owners typically owning valuable homes and other luxury assets, bundling auto and home insurance provides substantial savings. High-value properties generate better bundling discounts.
- Low-Mileage/Usage-Based Discount (5% to 50% savings): Most R8s aren't daily drivers but weekend toys, with many covering less than 5,000 miles annually. Pay-per-mile programs and low-mileage discounts can slash premiums dramatically for occasional use.
- Garage/Security Discount (10% to 20% savings): R8s stored in locked garages qualify for comprehensive coverage discounts. GPS tracking systems earn additional 5% to 15% savings while protecting your $200,000+ investment from theft.
- Professional/Occupation Discount (5% to 15% savings): Many R8 owners work in high-earning professions like medicine, law, or engineering that qualify for occupational discounts, potentially saving $130 to $230 annually on premiums.
- 5
Consider 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 insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6
Check 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
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Audi R8 insurance costs.
Who We Based These Rates On
These Audi R8 prices reflect what a typical 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. 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.