Audi A6 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 18, 2024

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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 $1,696 a year including full coverage. Comprehensive insurance costs an estimated $398 a year, collision costs $750, and liability coverage costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing $3,678 or more. Teen drivers pay the most at $6,126 a year or more.

Average premium for full coverage: $1,696

Premium estimates broken down by type of coverage:

Comprehensive $398
Collision $750
Liability $390

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

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for an Audi A6 go from as low as $452 for liability-only coverage to a high of $3,678 for a high-risk insurance policy.

Liability Only $452
Full Coverage $1,696
High Risk $3,678

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location impacts insurance prices.

Rural Areas $1,272
Small Cities $1,781
Large Cities $2,290

These rate differences highlight why it is important to compare prices for a targeted area and risk profile, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below breaks down estimated Audi A6 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $955
  • Using higher $1,000 deductibles will save approximately $1,436 every year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,696
  • Choosing low $100 deductibles for physical damage coverage will cost an extra $510 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,678 or more
  • An auto insurance policy for full coverage for a teenage driver can cost as much as $6,126 or more

View Chart as Image

Audi A6 insurance cost comparison chart
Column chart showing full coverage Audi A6 insurance prices range from $955 to $6,126

Insurance prices for an Audi A6 also have a wide range based on your driving characteristics, the model of your A6, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Audi A6 insurance rates. A driver around age 40 might see prices as low as $1,300 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,420 on average in Louisiana, New York, and Michigan.

Audi A6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,534 -$162 -9.6%
Alaska $1,302 -$394 -23.2%
Arizona $1,408 -$288 -17.0%
Arkansas $1,696 -$0 0.0%
California $1,934 $238 14.0%
Colorado $1,620 -$76 -4.5%
Connecticut $1,744 $48 2.8%
Delaware $1,922 $226 13.3%
Florida $2,124 $428 25.2%
Georgia $1,568 -$128 -7.5%
Hawaii $1,218 -$478 -28.2%
Idaho $1,148 -$548 -32.3%
Illinois $1,264 -$432 -25.5%
Indiana $1,278 -$418 -24.6%
Iowa $1,146 -$550 -32.4%
Kansas $1,612 -$84 -5.0%
Kentucky $2,314 $618 36.4%
Louisiana $2,514 $818 48.2%
Maine $1,048 -$648 -38.2%
Maryland $1,400 -$296 -17.5%
Massachusetts $1,358 -$338 -19.9%
Michigan $2,950 $1,254 73.9%
Minnesota $1,420 -$276 -16.3%
Mississippi $2,032 $336 19.8%
Missouri $1,506 -$190 -11.2%
Montana $1,822 $126 7.4%
Nebraska $1,340 -$356 -21.0%
Nevada $2,036 $340 20.0%
New Hampshire $1,220 -$476 -28.1%
New Jersey $1,896 $200 11.8%
New Mexico $1,502 -$194 -11.4%
New York $1,788 $92 5.4%
North Carolina $978 -$718 -42.3%
North Dakota $1,390 -$306 -18.0%
Ohio $1,172 -$524 -30.9%
Oklahoma $1,742 $46 2.7%
Oregon $1,554 -$142 -8.4%
Pennsylvania $1,620 -$76 -4.5%
Rhode Island $2,264 $568 33.5%
South Carolina $1,538 -$158 -9.3%
South Dakota $1,432 -$264 -15.6%
Tennessee $1,486 -$210 -12.4%
Texas $2,046 $350 20.6%
Utah $1,256 -$440 -25.9%
Vermont $1,162 -$534 -31.5%
Virginia $1,016 -$680 -40.1%
Washington $1,312 -$384 -22.6%
West Virginia $1,554 -$142 -8.4%
Wisconsin $1,176 -$520 -30.7%
Wyoming $1,512 -$184 -10.8%

View Chart as Image

Audi A6 insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $770 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $2,000 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the prices will be substantially different from one company to the next.

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.

Audi A6 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A6 $418 $780 $372 $1,728
2023 Audi A6 $398 $750 $390 $1,696
2022 Audi A6 $382 $744 $398 $1,682
2021 Audi A6 $368 $726 $416 $1,668
2020 Audi A6 $356 $696 $430 $1,640
2019 Audi A6 $336 $672 $442 $1,608
2018 Audi A6 $324 $624 $452 $1,558
2017 Audi A6 $310 $588 $456 $1,512
2016 Audi A6 $298 $526 $460 $1,442
2015 Audi A6 $278 $484 $460 $1,380
2014 Audi A6 $268 $454 $464 $1,344
2013 Audi A6 $262 $424 $474 $1,318
2012 Audi A6 $242 $394 $474 $1,268
2011 Audi A6 $236 $358 $478 $1,230
2010 Audi A6 $220 $326 $474 $1,178
2009 Audi A6 $208 $296 $474 $1,136
2007 Audi A6 $198 $260 $460 $1,076
2006 Audi A6 $194 $248 $452 $1,052
2005 Audi A6 $178 $236 $446 $1,018

Rates are averaged for all Audi A6 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Audi A6 Insurance

Finding better rates on auto insurance requires having a decent driving record, maintaining good credit, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around at least every other year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief review of the car insurance concepts touched on above.

  • Drivers with DUI or reckless driving convictions may pay on average $1,980 more annually than a driver with a clean driving record
  • You may be able to save approximately $210 per year simply by quoting early and online
  • Increasing policy deductibles can save around $775 each year
  • Consumers who want additional liability coverage will pay about $430 per year to increase from 30/60 bodily injury limits to 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. 

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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.

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

Rates by Driver Age

Audi A6 Insurance Rates by Driver Age
Driver Age Premium
16 $6,126
20 $3,920
30 $1,786
40 $1,696
50 $1,548
60 $1,518

Full coverage, $500 deductibles

Rates by Deductible

Audi A6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,206
$250 $1,968
$500 $1,696
$1,000 $1,436

Full coverage, driver age 40

Rates by Liability Limit

Audi A6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,696
50/100 $1,860
100/300 $1,958
250/500 $2,211
100 CSL $1,899
300 CSL $2,114
500 CSL $2,270

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A6 Insurance Rates for High Risk Drivers
Age Premium
16 $8,790
20 $6,238
30 $3,776
40 $3,678
50 $3,506
60 $3,476

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $240

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $92
Multi-vehicle $88
Homeowner $23
5-yr Accident Free $133
5-yr Claim Free $111
Paid in Full/EFT $84
Advance Quote $87
Online Quote $123
Total Discounts $741
Rate after discounts $955

Discounts are estimated and may not be available from every company or in every state.

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