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.

The average auto insurance rates for an Audi A6 are $1,558 annually for full coverage. Comprehensive insurance costs approximately $324 a year, collision costs $624, and liability costs around $452. Liability-only insurance costs as low as $504 a year, with high-risk driver insurance costing $3,388 or more. Teenage drivers cost the most to insure at $5,806 a year or more.

Average premium for full coverage: $1,558

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and A6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities.

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

The examples above show why it is important to compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $884
• Using higher $1,000 deductibles will save $1,342 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,558
• Using low $100 deductibles for physical damage coverage costs an additional $418 every year
• Drivers who are prone to accidents and violations could pay around $3,388 or more
• Policy cost with full coverage for a teen driver can cost $5,806 or more

View Chart as Image

Auto insurance rates for an Audi A6 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $640 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi A6 insurance prices. A driver around age 40 might see rates as low as $1,030 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,220 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.

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

Finding cheaper rates on car insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a condensed summary of the concepts that were covered above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,830 more per year to buy Audi A6 insurance
• Drivers age 20 and younger have the highest car insurance rates, costing up to $484 each month if full coverage is included
• Drivers can save around $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $625 each year
• Drivers can save around $190 per year simply by quoting early and online

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.