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 including full coverage. Comprehensive costs an estimated $368, collision costs $726, and liability coverage is estimated at $416. Liability-only insurance costs approximately $474 a year, with high-risk driver insurance costing around $3,632. 16-year-old drivers cost the most to insure at $6,114 a year or more.

Average premium for full coverage: $1,668

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all A6 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $937
• Choosing higher $1,000 deductibles can save approximately $248 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,668
• Buying pricier low deductibles for comp and collision coverage increases the price to $2,156
• Drivers with multiple tickets or accidents could pay up to $3,632 or more
• Policy cost to insure a teenage driver for full coverage can cost as much as $6,114 each year

View Chart as Image

Auto insurance rates for an Audi A6 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $740 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $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 are likely paying $2,000 to $2,700 in extra premium every year, depending on your age. Audi A6 insurance for high-risk drivers ranges around 44% to 134% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi A6 insurance rates. A good driver about age 40 could pay as low as $1,280 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,380 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates will be varied.

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 Low Cost Audi A6 Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a review of the material that was raised in the charts and tables above.

• Consumers who want more liability coverage will pay around $460 per year to raise limits from a 30/60 limit to a 250/500 level
• Teen drivers are the costliest to insure, with premiums being up to $510 each month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may have to pay on average $1,960 more annually to insure their A6
• Increasing comprehensive and collision deductibles could save as much as $725 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.