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

Average premium for full coverage: $1,668

Policy rates for type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and A6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $937
• Raising to $1,000 deductibles will save about $1,420 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,668
• Selecting low $100 deductibles will increase the cost to $2,156
• Drivers with serious driving violations could pay at least $3,632 or more
• Policy cost for full coverage for a 16-year-old driver can be $6,114

View Chart as Image

Auto insurance rates for an Audi A6 also range considerably based on your risk profile, the trim level of your A6, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $6,100 a year. View Rates by Age

Your home state also has a big influence on Audi A6 insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,380 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $740 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $2,000 to $2,700 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 134% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to get quotes from multiple companies. Every auto insurance company calculates rates differently, and quoted 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 Cheaper Audi A6 Insurance

Finding cheaper rates on insurance for an Audi A6 consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a condensed summary of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,960 more every year to insure their A6
• Teen drivers are expensive to insure, costing up to $510 each month if they have full coverage
• Drivers can save up to $210 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $725 each year
• Drivers can save up to $210 per year simply by quoting early and online

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.