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.

U.S. average insurance prices for an Audi A6 are $1,682 every 12 months including full coverage. Comprehensive costs an estimated $382, collision costs $744, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing around $3,656. Teen drivers pay the highest rates at $6,118 a year or more.

Average premium for full coverage: $1,682

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different A6 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Audi A6 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $946
• Using higher $1,000 deductibles will save approximately $256 every year
• The average price for the average middle-age driver who has $500 deductibles is $1,682
• Choosing more expensive low deductibles for physical damage coverage increases the price to $2,182
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,656 or more
• The price to insure a teenage driver with full coverage can cost as much as $6,118 or more

View Chart as Image

Car insurance prices for an Audi A6 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $760 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,600 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $2,000 to $2,700 extra each year, depending on your age. High-risk driver insurance can be around 44% to 133% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Audi A6 insurance rates. A driver around age 40 might see prices as low as $1,290 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,400 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes may be quite different.

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 Shop for the Best Audi A6 Insurance

Getting lower rates on auto insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and not having any coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief recap of the concepts that were touched on in this article.

• Drivers who tend to receive serious violations may have to pay on average $1,970 more annually than a low-risk driver
• Youthful drivers have the highest car insurance prices, possibly costing $510 a month if the policy includes full coverage
• You may be able to save approximately $210 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $750 each year
• You may be able to save approximately $210 per year simply by shopping early and online

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.