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.

U.S. average insurance rates for an Audi A6 are $1,696 a year including full coverage. Comprehensive costs around $398, collision costs $750, and liability insurance costs $390. Liability-only insurance costs as little as $452 a year, with high-risk driver insurance costing around $3,678. Teen drivers pay the highest rates at $6,126 a year or more.

Average premium for full coverage: $1,696

Price estimates for individual coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different A6 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $955
• Drivers who choose higher $1,000 deductibles will pay about $260 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,696
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,206
• High risk drivers with multiple violations and an at-fault accident could pay at least $3,678 or more
• The price that insures a teen driver with full coverage can be $6,126 a year

View Chart as Image

Car insurance prices for an Audi A6 are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $2,000 to $2,700 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $6,100 a year. View Rates by Age

The state you live in makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay as low as $1,300 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,420 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could save up to $770 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes may be quite 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 Cheaper Audi A6 Insurance

Getting lower rates on Audi A6 insurance not only requires avoiding accidents and claims, but also having a positive credit history, being claim-free, and qualifying for all possible discounts. Shop around once a year by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a condensed summary of the data that was touched on in this article.

• You may be able to save up to $210 per year simply by shopping early and online
• Drivers who may need increased liability limits will pay about $430 per year to go from a low limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, possibly costing $511 a month if full coverage is purchased
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,980 more every year to insure an Audi 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.