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 $1,696 annually with full coverage. Comprehensive costs on average $398, collision costs $750, and liability coverage costs $390. Liability-only coverage costs as little as $452 a year, with high-risk coverage costing around $3,678. 16-year-old drivers cost the most to insure at $6,126 a year or more.

Average premium for full coverage: $1,696

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all A6 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities.

The example below illustrates how where you live affects car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Details

The chart below details estimated Audi A6 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $955
• Drivers who choose higher $1,000 deductibles will pay around $260 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,696
• Buying pricier low deductibles for comprehensive and collision insurance will cost $2,206
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,678 or more
• Policy cost with full coverage for a teenage driver for full coverage may cost $6,126 a year

View Chart as Image

Insurance rates for an Audi A6 also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $2,000 to $2,700 additional every year, depending on your age. Audi A6 insurance for high-risk drivers can cost around 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $770 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay as low as $1,220 a year in states like New Hampshire, Ohio, and Utah, or at least $2,290 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every company utilizes a different rate formula, and rates will be varied between companies.

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 Affordable Audi A6 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief review of the information touched on in the above illustrations.

• You may be able to save as much as $210 per year simply by quoting online well ahead of the renewal date
• Teenagers pay higher rates, as much as $511 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $775 each year
• Drivers with DUI or reckless driving convictions pay an average of $1,980 more each year for car insurance
• Consumers who require higher liability limits will pay around $430 every year to go from a 30/60 limit to higher 250/500 limits

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.