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.

Average auto insurance rates for an Audi A6 are $1,682 annually including full coverage. Comprehensive insurance costs around $382, collision insurance costs $744, and liability coverage costs $398. Buying just liability costs as little as $460 a year, and insurance for high-risk drivers costs $3,656 or more. 16-year-old drivers receive the highest rates at up to $6,118 a year.

Average premium for full coverage: $1,682

Rate estimates for individual coverage type:

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all A6 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why everyone should compare rates 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.

More Rate Details

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

• The best full coverage rate is $946
• Drivers who choose higher $1,000 deductibles will pay about $256 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,682
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $500 each year
• High-risk insureds with multiple tickets or accidents could pay at least $3,656
• The cost with full coverage for a teenage driver for full coverage can be $6,118 a year

View Chart as Image

Auto insurance rates for an Audi A6 can also vary considerably based on the trim level of your A6, your driving characteristics, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,600 per year on average for full coverage. Rates are highest for teen 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 like to drive fast or you caused a few accidents, you are likely paying at least $2,000 to $2,700 in extra premium per year, depending on your age. Audi A6 insurance for high-risk drivers can cost around 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $760 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay as low as $1,290 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,400 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 Buy the Best Cheap Audi A6 Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a quick review of the data that was covered in the above illustrations.

• You may be able to save up to $210 per year just by quoting online well ahead of the renewal date
• Consumers who may need more liability coverage will pay around $440 per year to go from a minimum limit to higher 250/500 limits
• Teen drivers are expensive to insure, as much as $510 per month if full coverage is included
• Drivers with a DUI or reckless driving violation may pay on average $1,970 more every year to insure their A6

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.