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.

Estimated insurance rates for an Audi A6 are $1,682 a year for full coverage insurance. Comprehensive insurance costs around $382, collision insurance costs $744, and liability costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs $3,656 or more. Teens pay the most at up to $6,118 a year.

Average premium for full coverage: $1,682

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different A6 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $946
• Drivers who choose higher $1,000 deductibles will pay about $256 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,682
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $500 annually
• Drivers with serious driving violations could pay at least $3,656
• An auto insurance policy that insures a 16-year-old driver with full coverage can be $6,118 a year

View Chart as Image

Insurance prices for an Audi A6 also have a wide range based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $2,000 to $2,700 extra annually, depending on your age. High-risk driver insurance can cost from 44% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Audi A6 insurance prices. A 40-year-old driver could pay as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,270 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $760 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

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 Affordable Audi A6 Insurance

Finding better rates on insurance for an Audi A6 not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief review of the data that was touched on in this article.

• It is possible to save up to $210 per year just by shopping early and online
• Insureds who may need additional liability coverage will pay approximately $440 annually to go from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers pay higher prices, with premiums being up to $510 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,970 more every year than a driver with a clean driving record

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.