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 auto insurance rates for an Audi A6 are $1,668 annually for full coverage. Comprehensive insurance costs on average $368, collision costs $726, and liability costs around $416. Liability-only insurance costs as low as $474 a year, with high-risk driver insurance costing $3,632 or more. Teen drivers pay the highest rates at $6,114 a year or more.

Average premium for full coverage: $1,668

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all A6 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have fewer accident claims than larger metro areas.

The example below illustrates how location helps determine car insurance rates.

The ranges above show why everyone should compare prices based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Charts and Tables

The chart below shows estimated Audi A6 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $937
• Using higher $1,000 deductibles will save around $248 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,668
• Choosing pricier low deductibles for physical damage coverage costs an additional $488 every year
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,632 or more
• The price with full coverage for a teen driver for full coverage may cost $6,114 or more

View Chart as Image

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

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,500 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $2,000 to $2,700 extra each year, depending on your age. Audi A6 insurance for high-risk drivers can be as much as 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $740 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Audi A6 insurance prices. A driver around age 40 might see prices as low as $1,100 a year in states like Idaho, Maine, and Iowa, or as much as $2,380 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.

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 Cheaper Audi A6 Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a condensed summary of the material that was covered in the charts and tables above.

• Policyholders who require increased liability limits will pay about $460 each year to increase from a low limit to higher 250/500 limits
• Drivers under the age of 20 are expensive to insure, with premiums as much as $510 a month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,960 more each year to insure an Audi A6
• Increasing physical damage deductibles could save up to $725 each year

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.