Audi A6 Insurance Rates

Is the Audi A6 expensive to insure? The average Audi A6 insurance rates are $144 per month or $1,728 annually. However, older models, like the 2006 Audi A6 insurance costs, will be lower. 

Read through our complete Audi A6 car insurance guide to find out what is comprehensive coverage on a car insurance policy and do you need it for your Audi A6? Soon, you’ll be able to secure Audi A6 insurance better than a professional.

Ready to secure cheap A6 insurance rates? Enter your five-digit ZIP code into our FREE quote comparison tool to start comparing Audi insurance costs.

Estimated auto insurance rates for an Audi A6 are $1,682 annually for full coverage insurance. Comprehensive costs approximately $382, collision insurance costs $744, and liability coverage is estimated at $398. Liability-only insurance costs approximately $460 a year, and high-risk driver insurance costs around $3,656. Teens pay the most at up to $6,118 a year.

Average premium for full coverage: $1,682

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different A6 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates average Audi A6 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $946
• Choosing higher $1,000 deductibles can save $256 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,682
• Selecting more expensive low deductibles for comp and collision coverage will cost $2,182
• Drivers with serious driving violations could pay around $3,656
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost $6,118 each year

View Chart as Image

Insurance prices for an Audi A6 also have a wide range based on the model of your A6, your risk profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,600 annually on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $2,000 to $2,700 additional annually, depending on your age. High-risk driver insurance ranges around 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $760 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Audi A6 insurance rates. A good driver about age 40 could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,270 on average in Florida, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Low Cost Audi A6 Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a review of the car insurance concepts touched on in the above illustrations.

• Drivers who have several accidents or serious violations could be forced to pay on average $1,970 more per year for car insurance
• It is possible to save around $210 per year just by shopping early and online
• Increasing policy deductibles could save up to $750 each year
• Consumers who purchase higher liability limits will pay approximately $440 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits

As you’ve learned from the above information, the age of your car model will impact your Audi A6 costs for insurance. For example, how much a 2014 Audi A6 costs to insure will be less than the 2017 Audi A6 insurance costs. Find out how much an Audi A6 will cost you to insure by entering your ZIP code into our FREE quote comparison tool below. 

What are the safety ratings for the Audi A6?

Understanding the Audi A6 safety ratings can help you see what car insurance discounts you might qualify for, or see if your vehicle s actually costing you more money. 

Check out the safety ratings for the 2020 Audi A6 below. 

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. The Audi A6 is a top safety pick plus vehicle for 2020. The plus is a new addition given to vehicles with safer headlights, which do vary by trim but were scored as either good or acceptable. 

The award is only applied to models from 2015 or newer. Therefore, your 2016 Audi A6 insurance costs will improve, but the 2013 Audi A6 costs will not be affected. For this reason, we recommend that you check the safety ratings for your specific Audi A6 model year.

Audi A6 Compared Against other Vehicles in the Same Class

Comparing the Audi A6 to similar vehicles can help you save money, especially if the Audi A6 has a better loss ratio than other vehicles in its class. 

Officially, the Insurance Institute for Highway Safety classifies it as a large luxury sedan.

Check out other comparable large luxury cars below.

• BMW 5 Series insurance rates
• Cadillac CT6 insurance rates
• Tesla Model S insurance rates

The bad news is that the Audi A6 has substantially worse than average collision and comprehensive insurance loss ratios at 60 percent and 50 percent respectively. These numbers are partially the reason why this vehicle costs so much to insure.

Fortunately, this luxury car also has better than average bodily injury loss ratios at -27 percent. It also has substantially better than average medical payment and bodily injury loss ratios at -37 percent and -27 percent respectively. These numbers make sense when you consider the nearly perfect safety ratings. 

Determining which year Audi A6 is the best for you comes down to a number of personal factors. If you want the safest model, choose a 2015 Audi A6 or newer. If you want something cheaper to insure, the 2013 Audi A6 insurance costs are $200 less per year than a 2020 model, but the safety ratings are not as good. 

Many consumers wonder is insurance more expensive for an Audi? Ultimately, Audi A6 maintenance costs are higher than average, which will be reflected in your insurance premiums. Fortunately, quote comparison shopping and applying for discounts can help you save on your car insurance rates. 

You’re now an expert on how to get the cheapest Ado A6 car insurance rates. Compare your lowest Audi A6 insurance prices by entering your five-digit ZIP code into our FREE quote tool.