What insurance group is the Audi R8 in?

Insurance companies typically classify the R8 as a sports car.

Are Audis expensive to insure?

If you own an Audi, you'll probably have a higher insurance bill. As a luxury brand, Audis are usually outfitted with expensive bells and whistles, which can make repairs pricier. Repairs can also require specialized parts and labor, which can also drive costs up.

How can I save money on Audi R8 insurance?

An easy way to lower Audi R8 insurance costs is to choose a higher deductible. While this will lead to higher out-of-pocket repairs when you file a claim, a higher deductible typically results in cheaper car insurance premiums.

Car Insurance for Audi R8

How much does it cost to insure an Audi R8?

Audi car insurance tends to skew higher, and the R8 is no exception. On average, it costs $544 per month, or $6,530 annually, to insure an Audi R8 at full coverage — 144 percent more than the national average cost of a full coverage policy.

The Audi R8's high insurance costs aren't just due to its six-figure price tag. In general, more expensive, exotic cars like the R8 have higher repair costs, making them more expensive to insure. Other vehicle-specific factors, like safety features and crash ratings, also play a part in determining insurance costs.

$6,530 Avg annual full coverage
insurance premium

$717 Avg annual min coverage
insurance premium

2023 MSRP: $185,636

Trims available: V10 Coupe, V10 Spyder, V10 Performance Coupe, V10 Performance Spyder, GT Coupe

Repair costs

The Audi R8 is an expensive car with a six-figure price tag. As such, the cost of repairing it is also higher. Edmunds estimates that Audi R8 owners spend upwards of $5,000 in repairs over a five-year period. This is on par with RepairPal's repair estimate for the Audi R8, around $1,100 per year. Car insurance can help pay for you and others' repairs after an accident. Typically, the most expensive a car is to repair, the more expensive it is to insure.

Safety features

In terms of driver-assistance, the R8 doesn't have much compared to other luxury models. The base trim of the R8 comes standard with automatic high-beams and front and rear parking sensors. Simpler safety features, like the ones in the Audi R8, may get you a small discount on your insurance policy. More high-tech features, like advanced emergency braking and lane departure warnings, can make repairs more expensive, which in turn can raise insurance costs.

Crash ratings

The 2023 Audi R8 was not rated by the Insurance Institute for Highway Safety (IIHS) or the National Highway Traffic Adminstration (NHTSA) for accident performance. High-performance vehicles like the R8 typically aren't subject to crash tests. Plus, the R8 is a specialty vehicle, which could also explain its lack of ratings. Usually, vehicles with high safety ratings from these two organizations cost less to insure.

Cheapest car insurance companies for an Audi R8

For the Audi R8, the term “cheap” is relative when it comes to insuring it. You probably won't find a policy that's cheaper than the national average for the R8. However, some insurance companies may offer more competitive rates for this model than others. The best way to know if you're getting a good deal on your policy is to compare quotes before buying. By collecting a handful of quotes, you can better gauge what a “normal” premium is for your driving profile and the kind of vehicle you want to insure.

How much does it cost to insure my Audi R8?

Bankrate's insurance editorial team collected average rates from some of the cheapest Audi R8 car insurance companies in the table below.

2023 Audi R8 car insurance premium by carrier


Auto-Owners	Auto-Owners	$3,836	$3,836	- $2,694	- $2,694
Progressive	Progressive	$3,848	$3,848	- $2,682	- $2,682
Erie	Erie	$4,589	$4,589	- $1,941	- $1,941
Travelers	Travelers	$4,763	$4,763	- $1,767	- $1,767
Nationwide	Nationwide	$5,057	$5,057	- $1,473	- $1,473

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for an Audi R8

Seeing how much it costs to insure an Audi R8 can make it tempting to cut coverage to get a lower premium. While this will get you a cheaper insurance bill, it could come back to bite you. If you're in an accident and don't have sufficient coverage, you could be on the hook for a large repair or medical bill. Or, if your car gets vandalized, you won't be able to file a claim for the damage.

In addition to your state's minimum coverage requirements, you might want to build out your Audi R8 car insurance policy with these add-ons:

Collision insurance: With just minimum coverage, your car insurance policy won't pay to fix your car if you cause an accident. Collision insurance can help with those repair bills, regardless of who caused the crash.
Comprehensive insurance: Also called other-than-collision coverage, this helps pay for losses not caused by a car accident like vandalism and vehicle theft.
Gap insurance: If you took out a loan to pay for your R8, you might want to get gap insurance. If you total your car, gap insurance can help cover the difference between the payout you get from your insurance company and your remaining loan balance.
Uninsured/underinsured motorist coverage: This can help cover you and your passengers' medical bills if the at-fault driver's liability limits aren't high enough to cover them.

How to get an Audi R8 car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Audi R8 with other similar cars

Audi R8 Coupe Avg annual full coverage premium $6,530 Read More	Porsche 911 Avg annual full coverage premium $5,389 See more models	BMW M4 Avg annual full coverage premium $4,902 Read More
Price (MSRP)
$185,636	$127,700	$80,100
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
Not rated	Not rated	Not rated
Gas mileage
17 mpg	21 mpg	19 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Not rated	Substantially worse than average	Substantially worse than average

Frequently asked questions

Insurance companies typically classify the R8 as a sports car.
If you own an Audi, you'll probably have a higher insurance bill. As a luxury brand, Audis are usually outfitted with expensive bells and whistles, which can make repairs pricier. Repairs can also require specialized parts and labor, which can also drive costs up.
An easy way to lower Audi R8 insurance costs is to choose a higher deductible. While this will lead to higher out-of-pocket repairs when you file a claim, a higher deductible typically results in cheaper car insurance premiums.

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.