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2004 Audi A8 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 28, 2020

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Average insurance rates for an 2004 Audi A8 are $1,160 a year with full coverage. Comprehensive costs around $230, collision insurance costs $312, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,490. Teen drivers receive the highest rates at up to $4,494 a year.

Annual premium for full coverage: $1,160

Rate estimates for 2004 Audi A8 Insurance

Comprehensive $230
Collision $312
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 Audi A8 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $510 for just liability coverage to a much higher rate of $2,490 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,160
High Risk $2,490

View Chart as Image

2004 Audi A8 insurance rates compared
Column chart showing 2004 Audi A8 insurance prices range from $693 to $4,494 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2004 Audi A8 Insurance

Searching Companies

Finding better rates for insurance coverage is challenging for people who are new to comparison shopping online. Drivers have so many choices that it can turn into a real challenge to locate the lowest price.

Consumers need to take a look at other company’s rates occasionally because rates are constantly changing. If you had the lowest price on A8 insurance a couple years back there is a good chance you can find better rates now. There is a lot of bad information regarding insurance coverage online but with this article, you’re going to get the easiest ways to find cheap insurance coverage.

If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. The purpose of this post is to familiarize you with the best way to quote coverages and some money-saving tips. Although consumers can benefit from knowing how insurance companies market on the web.

The most recommended method to get rate comparisons is to know the trick car insurance companies will pay a fee to give rate comparisons. The only thing you need to do is provide information including if you went to college, which vehicles you own, how much you drive, and an estimate of your credit level. Those rating factors is sent automatically to multiple companies and they respond with quotes almost instantly.

Save with discounts on Audi A8 insurance

Auto insurance companies do not advertise all their discounts very well, so here is a list both the well known as well as the least known ways to save on car insurance.

  • Accident Waiver – Certain companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
  • No Claims – Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Club Memberships – Affiliation with certain professional organizations could trigger savings when buying car insurance on A8 insurance.
  • Homeowners Discount – Owning a home may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.

As a disclaimer on discounts, most discounts do not apply the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.

Insurance companies that may have these benefits include:

Check with each insurance company which discounts you may be entitled to. Discounts may not be available in your state.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

  • Why am I required to buy liability insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to buy a different vehicle if my 2004 Audi A8 is totaled?
  • Can I get a multi-policy discount?
  • Is extra glass coverage worth it?
  • Am I covered if I wreck a rental car?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverages explained

Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like surgery, nursing services, ambulance fees, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, fire damage, damage from flooding and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision insurance 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 insurance covers things such as rolling your car, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.

Liability can pay for things such as legal defense fees, structural damage and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Shop smart and save

Budget-conscious 2004 Audi A8 insurance can be sourced online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.

We’ve covered a lot of information how to get a better price on insurance. The key concept to understand is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from an unexpected company.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, questionable increases in premium, unfair underwriting practices and high prices. Regardless of your reason, choosing a new company is less work than it seems.

Additional learning opportunities

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2004 Audi A8 Insurance Rates by City
City Premium
New York City, NY $1,833
Los Angeles, CA $1,983
Philadelphia, PA $1,551
Jacksonville, FL $1,684
Phoenix, AZ $1,350
Chicago, IL $1,555
Houston, TX $1,817
Seattle, WA $1,134
Columbus, OH $970
Indianapolis, IN $988

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Audi A8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,494
20 $2,640
30 $1,192
40 $1,160
50 $1,060
60 $1,038

Full coverage, $500 deductibles

Rates by Deductible

2004 Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,394
$250 $1,288
$500 $1,160
$1,000 $1,036

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,160
50/100 $1,252
100/300 $1,367
250/500 $1,666
100 CSL $1,298
300 CSL $1,551
500 CSL $1,735

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Audi A8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,356
20 $4,202
30 $2,524
40 $2,490
50 $2,378
60 $2,354

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $155

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $46
Advance Quote $53
Online Quote $80
Total Discounts $467
Rate after discounts $693

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2004 Audi A8 Insurance Rates by State
State Premium
Alabama $1,050
Alaska $890
Arizona $964
Arkansas $1,160
California $1,322
Colorado $1,110
Connecticut $1,192
Delaware $1,314
Florida $1,452
Georgia $1,070
Hawaii $832
Idaho $786
Illinois $864
Indiana $874
Iowa $782
Kansas $1,102
Kentucky $1,584
Louisiana $1,716
Maine $716
Maryland $958
Massachusetts $930
Michigan $2,016
Minnesota $972
Mississippi $1,390
Missouri $1,030
Montana $1,246
Nebraska $916
Nevada $1,392
New Hampshire $838
New Jersey $1,296
New Mexico $1,028
New York $1,222
North Carolina $668
North Dakota $950
Ohio $802
Oklahoma $1,192
Oregon $1,062
Pennsylvania $1,108
Rhode Island $1,548
South Carolina $1,050
South Dakota $980
Tennessee $1,018
Texas $1,398
Utah $860
Vermont $796
Virginia $696
Washington $900
West Virginia $1,062
Wisconsin $804
Wyoming $1,034

Free Auto Insurance Comparison

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