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.

U.S. average auto insurance rates for an Audi A6 are $1,668 annually for full coverage. Comprehensive insurance costs around $368, collision insurance costs $726, and liability coverage costs around $416. Liability-only coverage costs as low as $474 a year, and high-risk coverage costs $3,632 or more. 16-year-old drivers pay the highest rates at up to $6,114 a year.

Average premium for full coverage: $1,668

Price estimates for individual coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all A6 models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above show why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $937
• Using higher $1,000 deductibles will save about $248 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,668
• Buying pricier low deductibles for physical damage coverage costs an additional $488 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,632
• The price with full coverage for a teenage driver for full coverage can be $6,114 or more

View Chart as Image

Auto insurance prices for an Audi A6 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $2,000 to $2,700 in extra premium each year, depending on your age. Audi A6 insurance for high-risk drivers can be around 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $740 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Audi A6 insurance rates. A driver around age 40 might see prices as low as $1,100 a year in states like Idaho, Maine, and Iowa, or at least $2,380 on average in Michigan, Louisiana, and New York.

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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 Buy Cheaper Audi A6 Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the ideas that were covered above.

• Youthful drivers are expensive to insure, with premiums as much as $510 a month if full coverage is included
• Drivers with multiple at-fault accidents pay an average of $1,960 more every year than a low-risk driver
• Increasing physical damage deductibles could save up to $725 each year
• Drivers can save up to $210 per year just by quoting online well ahead of the renewal date

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.