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 insurance prices for an Audi A6 are $1,668 every 12 months for full coverage. Comprehensive insurance costs approximately $368, collision insurance costs $726, and liability is estimated at $416. A liability-only policy costs approximately $474 a year, and high-risk insurance costs $3,632 or more. Teenage drivers cost the most to insure at up to $6,114 a year.

Average premium for full coverage: $1,668

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all A6 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why everyone should get quotes using their specific location and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $937
• Choosing higher $1,000 deductibles can save $248 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,668
• Using pricier low deductibles for comp and collision coverage costs an extra $488 every year
• Unlucky drivers who are prone to accidents and violations could pay around $3,632
• Policy cost to insure a teen driver for full coverage can cost $6,114 each year

View Chart as Image

Car insurance rates for an Audi A6 also range considerably based on liability limits and deductibles, your driver profile, and the model of your A6.

Using high physical damage deductibles can save as much as $740 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,700 extra every year, depending on your age. Audi A6 insurance for high-risk drivers ranges as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi A6 insurance prices. A good driver about age 40 could pay as low as $1,100 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,380 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Best Audi A6 Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a brief recap of the car insurance concepts covered above.

• Higher risk drivers who tend to receive serious violations may pay on average $1,960 more per year to insure their A6
• Drivers can save around $210 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $725 each year
• Policyholders who purchase more liability coverage will pay an extra $460 each year to raise limits from a 30/60 limit to a 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.