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 prices for an Audi A6 are $1,668 every 12 months for full coverage. Comprehensive insurance costs on average $368 a year, collision insurance costs $726, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, and high-risk insurance costs $3,632 or more. Teens cost the most to insure at up to $6,114 a year.

Average premium for full coverage: $1,668

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all states and A6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare rates based on a specific location and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $937
• Drivers who choose higher $1,000 deductibles will pay around $1,420 a year
• The average price for a good driver age 40 with $500 deductibles is $1,668
• Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $488 a year
• High risk drivers with serious driving violations could pay upwards of $3,632
• Policy cost to insure a teen driver may cost $6,114 a year

View Chart as Image

Car insurance rates for an Audi A6 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your A6.

Choosing higher comprehensive and collision insurance deductibles could save up to $740 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age

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

Your home state makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,380 on average in Michigan, Louisiana, and New York.

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 Cheap Audi A6 Insurance

Finding cheaper rates on Audi A6 insurance not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The items below are a brief summary of the coverage data illustrated above.

• Drivers can save as much as $210 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $725 each year
• Teen drivers are expensive to insure, costing up to $510 each month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations pay an average of $1,960 more each year 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.