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. Comprehensive insurance costs on average $382, collision costs $744, and liability is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $3,656 or more. Teens pay the most at $6,118 a year or more.

Average premium for full coverage: $1,682

Premium estimates by type of coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different A6 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $946
• Raising to $1,000 deductibles will save around $256 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,682
• Selecting more expensive low deductibles will cost an additional $500 every year
• At-risk drivers with serious driving violations could pay upwards of $3,656 or more
• An auto insurance policy that insures a teen driver with full coverage may cost $6,118

View Chart as Image

Auto insurance prices for an Audi A6 also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $2,000 to $2,700 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,600 every 12 months 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 will have to pay upwards of $6,100 a year. View Rates by Age

Where you choose to live also has a big influence on Audi A6 insurance prices. A middle-age driver might find prices as low as $1,110 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,400 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $760 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices will be substantially 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 Find the Best Cheap Audi A6 Insurance

Finding better rates on car insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare rates at least every other year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a quick review of the car insurance concepts covered above.

• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,970 more each year to insure their A6
• Drivers can save as much as $210 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $750 each year
• Policyholders who require more liability coverage will pay approximately $440 each year to raise from 30/60 bodily injury limits to the 250/500 level

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.