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 for full coverage. Comprehensive insurance costs around $368, collision insurance costs $726, and liability costs around $416. A liability-only policy costs as low as $474 a year, and high-risk insurance costs $3,632 or more. Teenage drivers pay the most at up to $6,114 a year.

Average premium for full coverage: $1,668

Premium estimates for type of coverage:

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all A6 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

These rate differences show why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $937
• Using higher $1,000 deductibles will save about $248 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,668
• Using pricier low deductibles for physical damage coverage will cost an extra $488 annually
• High-risk insureds who are prone to accidents and violations could pay at least $3,632
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $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 of your A6, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Audi A6 insurance prices. A driver around age 40 might see prices as low as $1,100 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,380 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $740 annually, whereas buying more liability protection will increase prices. Going 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 could be paying at least $2,000 to $2,700 in extra premium annually, depending on your age. Audi A6 insurance for high-risk drivers can be from 44% to 134% more than a normal policy. View High Risk Driver Rates

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 Best Audi A6 Insurance

Finding better rates on insurance for an Audi A6 requires being a low-risk driver, having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a brief recap of the ideas that were touched on above.

• Teen drivers are expensive to insure, as much as $510 per month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations may be required to pay an average of $1,960 more every year to insure their A6
• Increasing policy deductibles can save around $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.