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

Average premium for full coverage: $1,668

Policy rates by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different A6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than relying on average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $937
• Drivers who choose higher $1,000 deductibles will pay $248 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,668
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $488 a year
• High risk drivers who are prone to accidents and violations could pay around $3,632 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $6,114 a year

View Chart as Image

Insurance rates for an Audi A6 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay as low as $1,200 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,250 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $740 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $2,000 to $2,700 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied 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

Finding cheaper rates on Audi A6 insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a recap of the information covered above.

• You may be able to save around $210 per year simply by shopping early and online
• Drivers age 16 to 20 are the costliest to insure, as much as $510 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $725 each year
• High-risk drivers that have major violations or accidents pay on average $1,960 more per year than a safer driver
• Drivers who purchase an increased level of liability coverage will pay an extra $460 every year to go from a 30/60 limit to 250/500 limits

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.