Audi A6 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 5, 2019

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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.

Average insurance rates for an Audi A6 are $1,640 a year for full coverage. Comprehensive costs on average $356 a year, collision costs $696, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $3,568. Teen drivers receive the highest rates at $6,038 a year or more.

Average premium for full coverage: $1,640

Rate estimates by individual coverage type:

Comprehensive $356
Collision $696
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and A6 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $3,568 for a high risk driver.

Liability Only $486
Full Coverage $1,640
High Risk $3,568

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,230
Small Cities $1,722
Large Cities $2,214

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $924
  • Drivers who choose higher $1,000 deductibles will pay around $1,402 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,640
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,106
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,568 or more
  • The cost for full coverage for a teen driver may cost $6,038 a year

View Chart as Image

Audi A6 insurance cost comparison chart
Column chart showing full coverage Audi A6 insurance rates range from $924 to $6,038

for an Audi A6 can also vary considerably based on your driver profile, the trim level of your A6, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $6,000 a year. View Rates by Age

Where you live makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Idaho, Maine, and Iowa, or as much as $2,340 on average in Michigan, Louisiana, and New York.

Audi A6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,484 -$156 -9.5%
Alaska $1,258 -$382 -23.3%
Arizona $1,362 -$278 -17.0%
Arkansas $1,640 -$0 0.0%
California $1,870 $230 14.0%
Colorado $1,566 -$74 -4.5%
Connecticut $1,688 $48 2.9%
Delaware $1,856 $216 13.2%
Florida $2,050 $410 25.0%
Georgia $1,514 -$126 -7.7%
Hawaii $1,178 -$462 -28.2%
Idaho $1,110 -$530 -32.3%
Illinois $1,222 -$418 -25.5%
Indiana $1,234 -$406 -24.8%
Iowa $1,106 -$534 -32.6%
Kansas $1,560 -$80 -4.9%
Kentucky $2,238 $598 36.5%
Louisiana $2,428 $788 48.0%
Maine $1,012 -$628 -38.3%
Maryland $1,352 -$288 -17.6%
Massachusetts $1,312 -$328 -20.0%
Michigan $2,850 $1,210 73.8%
Minnesota $1,372 -$268 -16.3%
Mississippi $1,964 $324 19.8%
Missouri $1,456 -$184 -11.2%
Montana $1,762 $122 7.4%
Nebraska $1,292 -$348 -21.2%
Nevada $1,964 $324 19.8%
New Hampshire $1,182 -$458 -27.9%
New Jersey $1,834 $194 11.8%
New Mexico $1,452 -$188 -11.5%
New York $1,726 $86 5.2%
North Carolina $944 -$696 -42.4%
North Dakota $1,344 -$296 -18.0%
Ohio $1,132 -$508 -31.0%
Oklahoma $1,684 $44 2.7%
Oregon $1,502 -$138 -8.4%
Pennsylvania $1,566 -$74 -4.5%
Rhode Island $2,186 $546 33.3%
South Carolina $1,484 -$156 -9.5%
South Dakota $1,384 -$256 -15.6%
Tennessee $1,438 -$202 -12.3%
Texas $1,976 $336 20.5%
Utah $1,216 -$424 -25.9%
Vermont $1,124 -$516 -31.5%
Virginia $984 -$656 -40.0%
Washington $1,268 -$372 -22.7%
West Virginia $1,502 -$138 -8.4%
Wisconsin $1,136 -$504 -30.7%
Wyoming $1,460 -$180 -11.0%

View Chart as Image

Audi A6 insurance rates by U.S. city

Choosing high deductibles could save up to $710 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,000 to $2,700 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 136% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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
2018 Audi A6 $356 $696 $430 $1,640
2016 Audi A6 $324 $624 $452 $1,558
2015 Audi A6 $310 $588 $456 $1,512
2014 Audi A6 $298 $526 $460 $1,442
2009 Audi A6 $236 $358 $478 $1,230
2007 Audi A6 $208 $296 $474 $1,136
2006 Audi A6 $200 $266 $468 $1,092
2005 Audi A6 $198 $260 $460 $1,076
2003 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 Cheaper Audi A6 Insurance

Saving money on Audi A6 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $700 each year
  • Drivers can save as much as $200 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $503 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,930 more each year for insurance

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 $6,038
20 $3,804
30 $1,718
40 $1,640
50 $1,498
60 $1,470

Full coverage, $500 deductibles

Rates by Deductible

Audi A6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,106
$250 $1,890
$500 $1,640
$1,000 $1,402

Full coverage, driver age 40

Rates by Liability Limit

Audi A6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,640
50/100 $1,806
100/300 $1,914
250/500 $2,193
100 CSL $1,849
300 CSL $2,086
500 CSL $2,258

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A6 Insurance Rates for High Risk Drivers
Age Premium
16 $8,652
20 $6,064
30 $3,656
40 $3,568
50 $3,404
60 $3,374

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 $234

Potential Rate Discounts

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

Discount Savings
Multi-policy $89
Multi-vehicle $87
Homeowner $23
5-yr Accident Free $127
5-yr Claim Free $108
Paid in Full/EFT $79
Advance Quote $84
Online Quote $119
Total Discounts $716
Rate after discounts $924

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

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