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 auto insurance rates for an Audi A6 are $1,682 annually for full coverage insurance. Comprehensive costs approximately $382 a year, collision costs $744, and liability costs around $398. A policy with only liability insurance costs as low as $460 a year, with a high-risk policy costing around $3,656. Teen drivers pay the most at $6,118 a year or more.

Average premium for full coverage: $1,682

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and A6 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Details

The chart below illustrates estimated Audi A6 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $946
• Using higher $1,000 deductibles will save $1,426 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,682
• Choosing low $100 deductibles for physical damage coverage will cost $2,182
• Drivers with multiple violations and an at-fault accident could pay around $3,656 or more
• An auto insurance policy with full coverage for a teen driver can cost $6,118 or more

View Chart as Image

Car insurance prices for an Audi A6 also have a wide range based on the model of your A6, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $2,000 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $760 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Audi A6 insurance prices. A driver around age 40 might see prices as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,270 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.

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 Buy More Affordable Audi A6 Insurance

Finding better rates on car insurance requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Invest the time to compare rates at every other renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a summary of the concepts that were presented in the illustrations above.

• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,970 more per year to buy Audi A6 insurance
• Drivers age 20 and younger pay the highest auto insurance prices, with premiums being up to $510 per month if comprehensive and collision insurance is included
• It is possible to save around $210 per year simply by quoting early and online
• Increasing policy deductibles could save up to $750 each year
• It is possible to save around $210 per year simply by quoting early and online

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.