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 insurance prices for an Audi A6 are $1,668 every 12 months including full coverage. Comprehensive costs around $368, collision insurance costs $726, and liability costs $416. A liability-only policy costs as little as $474 a year, and high-risk insurance costs around $3,632. 16-year-old drivers pay the most at up to $6,114 a year.

Average premium for full coverage: $1,668

Premium estimates for type of coverage:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different A6 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below breaks down average Audi A6 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $937
• Drivers who choose higher $1,000 deductibles will pay about $248 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,668
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $2,156
• Drivers with multiple tickets or accidents could pay at least $3,632
• An auto insurance policy to insure a 16-year-old driver with full coverage can be $6,114 a year

View Chart as Image

Auto insurance prices for an Audi A6 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles could save up to $740 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $2,000 to $2,700 in extra premium annually, depending on your age. High-risk driver insurance can cost from 44% to 134% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Audi A6 insurance prices. A 40-year-old driver could pay as low as $1,280 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,380 on average in Michigan, New York, and Louisiana.

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 Shop for the Best Audi A6 Insurance

Finding better rates on insurance for an Audi A6 not only requires having a good driving record, but also having a good credit score, refrain from filing small claims, and possibly raising deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The next list is a brief recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $210 per year just by shopping early and online
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,960 more every year to buy Audi A6 insurance
• Increasing policy deductibles could save as much as $725 each year
• Drivers age 20 and younger are expensive to insure, with the cost nearing $510 per month if comprehensive and collision insurance is included

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.