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 $1,696 a year with full coverage. Comprehensive insurance costs an estimated $398 a year, collision costs $750, and liability costs around $390. A liability-only policy costs as low as $452 a year, with high-risk insurance costing $3,678 or more. 16-year-old drivers receive the highest rates at $6,126 a year or more.

Average premium for full coverage: $1,696

Rate estimates broken down by individual coverage type:

Includes $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and A6 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than congested cities.

The diagram below illustrates how location impacts insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $955
• Using higher $1,000 deductibles will save approximately $1,436 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,696
• Buying low $100 deductibles for physical damage coverage will cost an extra $510 annually
• High-risk insureds with multiple tickets or accidents could pay up to $3,678 or more
• The cost for full coverage for a 16-year-old driver can cost as much as $6,126 or more

View Chart as Image

Insurance rates for an Audi A6 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as low as $1,600 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay 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 $1,220 a year in states like Utah, Ohio, and New Hampshire, or at least $2,290 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $770 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $2,000 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy can be from 44% to 132% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

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 the Cheapest Audi A6 Insurance

Saving money on insurance for an Audi A6 requires not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around once a year by quoting rates from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a recap of the data that was touched on above.

• You may be able to save approximately $210 per year simply by quoting early and online
• Insureds who want higher liability limits will pay around $430 every year to increase from a minimum limit to 250/500 limits
• Teens are charged the highest rates, with premiums as much as $511 per month for full coverage
• Drivers considered higher risk that have major violations or accidents may pay on average $1,980 more annually for A6 insurance

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.