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.

The average insurance rates for an Audi A6 are $1,668 a year for full coverage. Comprehensive insurance costs around $368 a year, collision insurance costs $726, and liability coverage costs around $416. A liability-only policy costs as low as $474 a year, and high-risk insurance costs $3,632 or more. Teen drivers cost the most to insure at up to $6,114 a year.

Average premium for full coverage: $1,668

Policy rates for type of insurance:

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and A6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code, rather than using price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $937
• Using higher $1,000 deductibles will save about $1,420 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,668
• Choosing low $100 deductibles for physical damage coverage will cost an additional $488 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,632
• Policy cost that insures a teenage driver can be $6,114 or more

View Chart as Image

Car insurance rates for an Audi A6 also range considerably based on the trim level of your A6, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $2,000 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $6,100 a year. View Rates by Age

Your home state has a huge impact on Audi A6 insurance rates. A driver around age 40 might see rates 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

Choosing high deductibles could cut rates by as much as $740 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find the Right Audi A6 Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around at least once a year by getting quotes from direct carriers, and also from several local insurance agents.

The items below are a quick rundown of the primary concepts that were touched on above.

• Drivers can save up to $210 per year just by quoting early and online
• Drivers with reckless driving or DUI convictions pay on average $1,960 more every year to insure their A6
• Increasing comprehensive and collision deductibles can save approximately $725 each year
• Teen drivers are the costliest to insure, costing up to $510 each month if full coverage is purchased

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.