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.

Average insurance rates for an Audi A6 are $1,682 a year for full coverage insurance. Comprehensive costs an estimated $382, collision insurance costs $744, and liability costs around $398. Liability-only coverage costs as low as $460 a year, and high-risk coverage costs around $3,656. Teenage drivers receive the highest rates at up to $6,118 a year.

Average premium for full coverage: $1,682

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all A6 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.

These examples illustrate why everyone should compare prices for a targeted area, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates average Audi A6 insurance rates for other coverage scenarios.

• The best discount rate is $946
• Using higher $1,000 deductibles will save approximately $256 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,682
• Using pricier low deductibles for physical damage coverage bumps up the cost to $2,182
• High-risk insureds who are prone to accidents and violations could pay up to $3,656
• The cost that insures a 16-year-old driver for full coverage can cost as much as $6,118 or more

View Chart as Image

Car insurance rates for an Audi A6 can also vary considerably based on the model of your A6, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $2,000 to $2,700 extra per year, depending on your age. Audi A6 insurance for high-risk drivers can be from 44% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $6,100 a year. View Rates by Age

Where you live has a huge impact on Audi A6 insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,270 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $760 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 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 Cheap Audi A6 Insurance

Saving money on insurance for an Audi A6 requires having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief summary of the material that was touched on in this article.

• Insureds who want additional liability coverage will pay an extra $440 annually to increase from a minimum limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $510 per month if full coverage is purchased
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,970 more annually than a driver with a clean driving record
• Increasing deductibles can save approximately $750 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.