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 $1,558 annually for full coverage insurance. Comprehensive insurance costs around $324 each year, collision insurance costs $624, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs $3,388 or more. Teen drivers receive the highest rates at up to $5,806 a year.

Average premium for full coverage: $1,558

Rate estimates for individual coverage type:

Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and A6 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $884
• Drivers who choose higher $1,000 deductibles will pay about $216 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,558
• Choosing low deductibles for comprehensive and collision insurance costs an additional $418 annually
• Drivers with multiple violations and an at-fault accident could pay at least $3,388
• The cost with full coverage for a 16-year-old driver can be $5,806 a year

View Chart as Image

Car insurance rates for an Audi A6 can also vary considerably based on the trim level of your A6, your risk profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can cost from 45% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $640 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Audi A6 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,100 on average in Michigan, New York, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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

Saving money on insurance for an Audi A6 not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a condensed summary of the data that was touched on in this article.

• It is possible to save up to $190 per year just by quoting online in advance
• Insureds who may need increased levels of liability coverage will pay about $500 annually to go from a minimum limit to higher 250/500 limits
• Drivers age 20 and younger are the costliest to insure, costing up to $484 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,830 more every year to buy Audi 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.