Any motor vehicle requires some form of insurance against liability and personal injury. If you finance or lease a car, you must fully insure it. But when it comes to auto insurance, not all vehicles are created equal. Not surprisingly, the faster and more dynamic the vehicle, the more it costs to insure. And in Audi’s stable, the most expensive car to insure is the R8 Spyder.

The most expensive vehicles to insure

Recently, the folks at MotorTrend published a list of the most expensive vehicles to insure in 2021. With information from Insure.com, they looked at the highest insurance costs for vehicles from the perspective of a 40-year-old male with good credit and a clean driving record. Their list assumes the same hypothetical guy has 12 commuting miles to work each day. 

The example assumes $100,000 policy limits for injury liability for one person and $300,000 for all injuries. It also assumes a $50,000 limit for property damage. The insurance type is comprehensive, with uninsured motorist coverage and a deductible of $500.

Using those hypothetical parameters, they determined the most expensive cars to insure. They include the latest Audi R8 Spyder.

The 2021 Audi R8 Spyder

A sharp-dressed halo car from Audi that rivals the A4 as a sublime daily driver, the R8 Spyder is edgy and upscale with an impressive growl. The only convertible on MotorTrend’s list, the R8 Spyder packs a potent V10 engine. Needless to say, it’s fast.

The impressive V10 and its mechanics are the same found in the Lamborghini Huracán. But the Audi R8 is more civilized. With a more polished demeanor, the R8 still harnesses 602 horses. 

Aside from that spine-tingling exhaust, the R8’s cabin is state-of-the-art. You’ll find the latest tech there, including the reconfigurable digital gauge cluster that comes with navigation. The Virtual Cockpit displays both the instrumentation and the MMI infotainment system.

You can control the system using voice commands. There’s also a click wheel on the center console, buttons mounted on the steering wheel, and a 4G LTE Wi-Fi hotspot. You get Android Auto and Apple CarPlay integration, too.

For 2021, the base-model Spyder and coupe have rear-wheel drive, replacing previous base models’ all-wheel drive. Now you have to shell out more for performance models with 602 horses to get AWD.

Is the Audi R8 Spyder worth it?

The 2021 Audi R8 Spyder is a supercar that can handle the daily commute and all your weekend adventures. Did we mention the satisfying engine growl? How much is that growl worth to you?

It costs around $3,863 yearly to insure. If it’s everything you want in a car, it might be worth it.  

The nature of high-performance cars is the reason they cost so much to insure. They’re eye-catching and powerful. It costs a lot to buy and maintain them. All of this also makes them high-risk for automotive insurance providers.

Sports cars are typically defined as smaller than most sedans, with two seats and an engine with an above-average number of horses. Insurance companies, however, have their own definitions of sports cars. They can include non-exotic vehicles from mainstream brands, too.

Automakers like Aston Martin, Bugatti, Ferrari, Jaguar, Lamborghini, and Porsche often require special insurance. In fact, regular providers generally won’t cover them. Only a few, such as AIG, Chubb, and Cincinnati Insurance Company, offer insurance for exotic cars, Car and Driver reports.