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

Average premium for full coverage: $1,682

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and A6 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

These rate differences highlight why it is important to compare rates for a targeted area, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $946
• Drivers who choose higher $1,000 deductibles will pay approximately $1,426 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,682
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,182
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,656 or more
• An auto insurance policy that insures a teen driver can cost as much as $6,118 a year

View Chart as Image

Insurance prices for an Audi A6 also have a wide range based on the trim level of your A6, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $2,000 to $2,700 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay 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

Choosing high deductibles could save up to $760 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and prices will be substantially 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 Find Cheap Audi A6 Insurance

Finding better rates on Audi A6 insurance not only requires being a low-risk driver, but also having a good credit score, refrain from filing small claims, and maximizing policy discounts. Shop around once a year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The items below are a brief summary of the data that was covered in the charts and tables above.

• You may be able to save approximately $210 per year simply by quoting early and online
• Drivers who want more liability coverage will pay about $440 per year to go from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are expensive to insure, with the cost nearing $510 per month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,970 more annually to insure their A6

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.