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

Average premium for full coverage: $1,668

Premium estimates for type of coverage:

Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and A6 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance rates.

These rate differences show why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $937
• Drivers who choose higher $1,000 deductibles will pay about $248 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,668
• Using low deductibles for comprehensive and collision insurance will cost $2,156
• Drivers who are prone to accidents and violations could pay at least $3,632 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $6,114 a year

View Chart as Image

Insurance prices for an Audi A6 also have a wide range based on the model of your A6, your driver profile, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $2,000 to $2,700 additional annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $740 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Audi A6 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,380 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and prices will be substantially 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 the Cheapest Audi A6 Insurance

Finding better rates on insurance for an Audi A6 not only requires having a decent driving record, but also having good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The following items are a recap of the coverage data touched on in the above illustrations.

• Drivers can save up to $210 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $725 each year
• 16 to 18-year-old drivers are charged the highest prices, as much as $510 per month if they have full coverage
• Drivers considered higher risk that have major violations or accidents pay an average of $1,960 more every year than a driver with a clean driving record

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.