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 prices for an Audi A6 are $1,682 every 12 months for full coverage insurance. Comprehensive costs around $382 a year, collision costs $744, and liability insurance is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing around $3,656. Teen drivers pay the highest rates at $6,118 a year or more.

Average premium for full coverage: $1,682

Price estimates for individual coverage:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and A6 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $946
• Raising to $1,000 deductibles will save about $1,426 each year
• The average price for the average middle-age driver using $500 deductibles is $1,682
• Choosing low $100 deductibles increases the price to $2,182
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,656 or more
• The price to insure a teen driver can be $6,118

View Chart as Image

Car insurance prices for an Audi A6 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing high deductibles can reduce prices by up to $760 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $2,000 to $2,700 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Audi A6 insurance rates. A middle-age driver might find prices as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,270 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes 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 Shop for the Cheapest Audi A6 Insurance

Getting lower rates on Audi A6 insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the primary concepts that were presented in the illustrations above.

• It is possible to save up to $210 per year simply by quoting early and online
• High-risk drivers that have major violations or accidents may pay on average $1,970 more every year for auto insurance
• Increasing physical damage deductibles could save as much as $750 each year
• Teenage drivers are the costliest to insure, as much as $510 a month if the policy includes full coverage

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.