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.

Estimated insurance rates for an Audi A6 are $1,668 a year with full coverage. Comprehensive insurance costs an estimated $368 each year, collision costs $726, and liability coverage costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing $3,632 or more. Teen drivers pay the most at $6,114 a year or more.

Average premium for full coverage: $1,668

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and A6 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the difference location can make on insurance prices.

These rate differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $937
• Using higher $1,000 deductibles will save approximately $248 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,668
• Choosing low deductibles for physical damage coverage will cost an extra $488 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,632 or more
• An auto insurance policy for full coverage for a teenage driver can cost as much as $6,114 or more

View Chart as Image

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

More mature drivers with a good driving record and high deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Audi A6 insurance rates. A driver around age 40 might see prices as low as $1,200 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,250 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $740 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $2,000 to $2,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 44% to 134% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices will be substantially 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 Cheap Audi A6 Insurance

Finding better rates on auto insurance requires being a good driver, having good credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

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

• Consumers who want an increased level of liability coverage will pay about $460 every year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, possibly costing $510 per month if they have full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,960 more annually than a safer driver
• Increasing policy deductibles can save around $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.