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 rates for an Audi A6 are $1,668 a year for full coverage insurance. Comprehensive costs approximately $368 each year, collision costs $726, and liability costs $416. Buying just liability costs as little as $474 a year, with insurance for high-risk drivers costing around $3,632. Teenage drivers pay the highest rates at $6,114 a year or more.

Average premium for full coverage: $1,668

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and A6 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Audi A6 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $937
• Drivers who choose higher $1,000 deductibles will pay $248 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,668
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $2,156
• Higher-risk drivers who are prone to accidents and violations could pay around $3,632 or more
• The price that insures a teen driver can cost $6,114 a year

View Chart as Image

Insurance prices for an Audi A6 are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $2,000 to $2,700 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in makes a big difference in Audi A6 insurance prices. A 40-year-old driver could pay as low as $1,090 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,250 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $740 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite different.

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 More Affordable Audi A6 Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at least every other year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a summary of the car insurance concepts covered above.

• Higher risk drivers who have multiple accidents or major violations could be charged and average of $1,960 more per year than a low-risk driver
• It is possible to save around $210 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $725 each year
• Policyholders who purchase more liability protection will pay an extra $460 annually to go from a low limit to the 250/500 level

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.