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
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.
Hartford charges $188 a month for Audi R8 full coverage; Allstate charges $423. Minimum coverage is $99 with GEICO and $225 with Farmers. There's a $126 gap on minimum coverage and a $235 gap on full coverage, so get at least three quotes to find your lowest rate.
| 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?
The Audi R8 ranks 52nd for affordability among 115 sports cars in MoneyGeek's database. It costs a few dollars more a month than a Lotus Elise and a few dollars less than an Aston Martin DBS.
Across all 827 models in the database, the R8 ranks 702nd, so it's in the top 25% most expensive to insure. The Mazda MX-5 Miata is the cheapest sports car to insure; the Rolls Royce La Rose Noire is the most expensive.
| 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 costs. The Audi R8 averages $1,082 a year in repair costs, so it's Audi's third most expensive model to maintain. That figure is a primary driver of the R8's premium level.
- Trim, features and accessories. The R8's power output ranges from 300 to 807 horsepower depending on trim. The V10 Competition Quattro sits at the high end of that range. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Younger drivers pay more to insure an R8 than older drivers. The median R8 owner age is 46, which is a bracket insurers treat as lower risk.
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
Coverage needs depend on how you own the R8. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for performance vehicles give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. The cheapest car insurance companies data shows which carriers price low for R8 drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum discussions on claims handling surface problems that don't appear in formal ratings.
Our guide to the bBst car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Audi R8 owners commonly qualify for safety feature discounts, good driver credits, policy bundling savings and anti-theft device discounts. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. R8s are often weekend or recreational vehicles, so drivers who log low annual mileage tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Audi R8 Insurance Cost: Bottom Line
The Audi R8 costs more to insure than most vehicles. Compare quotes from at least three insurers and stack available discounts to find your lowest 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. The R8 ranks 702nd out of 827 vehicles for overall affordability, so it's expensive by any measure. But among sports cars specifically, it ranks 52nd out of 115.
What factors affect insurance costs for Audi R8s?
The R8's $1,082 average annual repair cost and 300 to 807 horsepower range are the primary vehicle-level drivers of its premium. Driving record, credit score and coverage level move the final figure from there.
How can I lower Audi R8 insurance costs?
Start with quotes from at least three insurers because the $235 full coverage gap between Hartford and Allstate shows the differences among providers. Stack every discount you qualify for: good driver, anti-theft and bundling are the highest-value options. Usage-based programs cut costs further for lower-mileage drivers with clean habits.
How We Determined Audi R8 Insurance Costs
Audi R8 cost estimates are drawn from hundreds of millions of quote estimates for U.S. models. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.