How Much Does 2010 Audi R8 Car Insurance Cost?

Looking for cheaper car insurance rates? Shoppers have options when shopping for the best price on Audi R8 insurance. You can either waste hours struggling with agents to compare prices or leverage the internet to compare rates.

There is a right way and a wrong way to buy car insurance and we’ll show you the best way to quote coverages on a Audi and get the cheapest rates.

The fastest way that we advise to compare car insurance rates takes advantage of the fact all the major auto insurance companies have advanced systems to compare their rates. To begin a comparison, all you need to do is spend a couple of minutes providing details like if the car is leased, the make and model of your vehicles, level of coverage desired, and if you are currently licensed. Your details is instantly sent to insurance carriers in your area and they provide comparison quotes instantly.

Save a ton by taking advantage of discounts

Not too many consumers would say insurance coverage is affordable, but companies offer discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but a few need to be specifically requested before you get the savings.

  • Telematics Data – Drivers that enable data collection to study driving manner by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they exhibit good driving behavior.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on R8 coverage but check with your company.
  • Include Life Insurance and Save – Larger insurance carriers have lower insurance coveragerates if you buy a life insurance policy as well.
  • Discount for Home Ownership – Being a homeowner can save you money because owning a home requires personal responsibility.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents so you can save 10 percent or more.
  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Discount for Low Mileage – Driving less can qualify you for cheaper prices.
  • Anti-theft Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your insurance quote.

As a sidenote, some credits don’t apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you aren’t that lucky. But all discounts will help lower your premiums.

If you would like to view companies with the best discounts, follow this link.

How much car insurance do I need?

When it comes to buying coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help highlight whether or not you may require specific advice.

  • Is my ex-spouse still covered by my policy?
  • Are my friends covered when driving my car?
  • Can my teen drive my company car?
  • Can I make deliveries for my home business?
  • Am I covered if I break a side mirror?
  • When do I need to add a new car to my policy?
  • How high should my uninsured/underinsured coverage be in my state?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can help protect your family.

How your R8 insurance rates are determined

Many different elements are part of the equation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, although some other factors are more transparent such as whether you are married or your vehicle rating.

  • Premiums and your address – Living in less populated areas of the country has definite advantages when it comes to auto insurance. Drivers who live in large cities tend to have more road rage incidents and longer commute times. Fewer drivers translates into fewer accident claims.
  • Can a thief steal your car? – Choosing to buy a car with advanced anti-theft systems can help bring down rates. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft and help bring rates down.
  • Multiple policies with one company – The majority of insurance companies afford a discount to people who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to compare other company rates to ensure the best deal. Drivers may still save even more by buying insurance from more than one company.
  • Driving citations mean higher rates – Having just one speeding ticket can increase rates by as much as twenty percent. Attentive drivers pay lower auto insurance prices compared to bad drivers. Drivers who have serious tickets such as reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with their state in order to prevent a license revocation.
  • Low mileage costs less – The more miles you rack up on your Audi in a year’s time the higher your rate. Most companies rate vehicles based on their usage. Cars left parked in the garage get more affordable rates than cars that get driven a lot. Make sure your vehicle rating shows the correct usage. Having an incorrect usage rating on your R8 can cost quite a bit.
  • Eliminate incidental coverages – There are quite a few extra add-on coverages that you can get tricked into buying on your 2010 R8 policy. Insurance for rental car reimbursement, towing, and membership fees are examples of these. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
  • Your job and auto insurance rates – Jobs like military generals, architects and stock brokers generally pay higher rates than the rest of us in part from intense work requirements and lengthy work days. On the flip side, occupations such as scientists, historians and retirees pay lower than average rates on R8 coverage.
  • Cheaper premiums for prior coverage – Driving with no insurance is against the law and as a result your rates will increase for letting your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance could earn you a steep fine or even jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

What auto insurance coverages do you need?

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as surgery, nursing services, prosthetic devices and chiropractic care. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Audi R8.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.


Liability insurance provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as bail bonds, medical services and attorney fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a broken windshield and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be Smart and Buy Smart

While you’re price shopping online, you should never buy poor coverage just to save money. In many cases, an accident victim reduced liability coverage limits only to regret at claim time they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

Consumers who switch companies do it for a variety of reasons including denial of a claim, lack of trust in their agent, not issuing a premium refund or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.

Some companies may not have the ability to get a quote online and these smaller providers provide coverage only through independent agents. The cheapest 2010 Audi R8 insurance is attainable online and with local insurance agents, so you should compare both in order to have the best price selection to choose from.

More information can be found on the following sites:

Comments About 2010 Audi R8 Insurance

  1. Luella Bryant

    Not sure if this is cheap. From a town just southwest of Jacksonville, FL. Went online for free insurance quotes for a 2010 Audi R8. Ended up at about $270 savings annually. Went with Progressive.

  2. Moriah Reynolds

    I found pretty cheap rate quotes for a 2010 Audi R8 in Tucson, AZ. Ended up at roughly $250 every six months with Auto-Owners. Have a couple speeding tickets too. :)

  3. Mickie Jones

    Live in Louisville, Kentucky. I got free prices from 21st Century, Eastwood, and The General for my Audi and saved just over $480 a year. I get a discount for insuring multiple vehicles.

  4. Ayana Williams

    I got a good deal I think. Live in the northern part of Eugene, OR. I got free prices from AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my 2010 Audi R8 and saved just over $250 a year. Left Eastwood to switch. Moved home policy as well. Wish I didn’t have to insure at all.

  5. Juan Kane

    For me, GEICO was by far the cheapest in Omaha, Nebraska.

  6. Tiara Skinner

    From a town just southwest of Montgomery, AL. I got free prices from USAA, AAA, Liberty Mutual, and MetLife for my R8 and I’m now saving $63 a month.

  7. Boris Sandoval

    Does New Hampshire require a SR-22 after a DUI?

  8. Michell Holland

    Checking in from Dover, DE. I got free quotes with USAA, Amica, Hanover, and MetLife for my Audi and saved about $530 a year. Not sure if rates are cheaper online or through an agent.

  9. Cleora Nixon

    If you’re from Omaha, Nebraska get quotes from Allstate and GEICO and you might save.

  10. Latrisha Baird

    If you have a good history and live in the vicinity of Burlington, VT, check out Allstate. You might save some money. Was with GEICO. I have kids on my policy, too. Can still barely afford it.

  11. Daron Tyler

    I’m in the south part of Rapid City, SD. Got quotes from AAA, Sentry, and Western Auto Insurance for my 2010 Audi R8 and saved just over $400 a year. Left GEICO to switch. Moved home policy as well. It’s easy to compare rates online now.

  12. Roxanne Knight

    Not sure what I should be paying. I live east of Indianapolis, IN. Quoted rates from American Family, Eastwood, and MetLife for my Audi and I’m now saving $22 a month. Good savings if you bundle. Are quotes cheaper online?

  13. Marisela Franklin

    Good detail in your article. Live in the northern part of Huntington, WV. Went online for free insurance quotes for a 2010 Audi R8. Ended up at about $420 savings annually. Went with State Farm.

  14. Kyra Walter

    I’m from Rio Rancho, New Mexico. Got quotes with MetLife, Esurance, State Farm, and Auto-Owners for my Audi and saved around $230 a year. I’m a pretty low risk driver. :P