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.

Average insurance rates for an Audi A6 are $1,696 a year for full coverage. Comprehensive insurance costs on average $398, collision costs $750, and liability insurance is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing $3,678 or more. Teen drivers receive the highest rates at $6,126 a year or more.

Average premium for full coverage: $1,696

Rate estimates by individual coverage type:

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different A6 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the effect of geographic area on car insurance rates.

These examples show why anyone shopping for car insurance should compare rates quotes 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.

Additional Charts and Tables

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

• The lowest rate with discounts is $955
• Raising to $1,000 deductibles will save around $260 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,696
• Choosing more expensive low deductibles will cost an extra $510 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,678 or more
• The cost for full coverage for a teen driver with full coverage may cost $6,126

View Chart as Image

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

An older driver with no driving violations and high deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $6,100 a year. View Rates by Age

Where you live also has a big influence on Audi A6 insurance rates. A middle-age driver might find rates as low as $1,120 a year in states like Idaho, Maine, and Iowa, or as much as $2,420 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $770 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every 12 months. 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 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 132% 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 compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly 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.

How to Find the Cheapest Audi A6 Insurance

Saving money on Audi A6 insurance consists of being a low-risk driver, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Take the time to compare rates every year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The items below are a recap of the coverage data covered in the above illustrations.

• Drivers can save as much as $210 per year simply by shopping early and online
• Increasing deductibles can save around $775 each year
• Teen drivers are expensive to insure, costing as high as $511 per month if full coverage is included
• High-risk drivers that have major violations or accidents will pay on average $1,980 more each year to insure their A6

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.