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 insurance prices for an Audi A6 are $1,668 every 12 months including full coverage. Comprehensive insurance costs on average $368 each year, collision insurance costs $726, and liability coverage is estimated at $416. A policy with just liability insurance costs approximately $474 a year, and coverage for high-risk drivers costs $3,632 or more. Teens pay the highest rates at up to $6,114 a year.

Average premium for full coverage: $1,668

Price estimates by individual coverage:

Full coverage includes $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and A6 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and their own driving history, rather than using averaged prices.

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

More Rate Details

The chart below breaks down average Audi A6 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $937
• Choosing higher $1,000 deductibles can save around $248 every year
• The average price for the average middle-age driver with $500 deductibles is $1,668
• Selecting low deductibles for comp and collision coverage costs an extra $488 each year
• Drivers with serious driving violations could pay upwards of $3,632
• The price to insure a teenage driver may cost $6,114 each year

View Chart as Image

Insurance prices for an Audi A6 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your A6.

Choosing higher comprehensive and collision insurance deductibles can save as much as $740 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $375 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $2,000 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers ranges around 44% to 134% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Audi A6 insurance rates. A good driver about age 40 could pay as low as $1,280 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for More Affordable Audi A6 Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having good credit, being claim-free, and determing if full coverage is necessary. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the data that was covered in the charts and tables above.

• You may be able to save as much as $210 per year just by quoting online in advance
• Consumers who require higher liability limits will pay approximately $460 per year to raise limits from a low limit to a 250/500 level
• Teens pay the highest prices, possibly costing $510 a month if they have full coverage
• Drivers who have multiple accidents or major violations may pay on average $1,960 more each year for A6 insurance

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.