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.

U.S. average auto insurance rates for an Audi A6 are $1,696 annually for full coverage insurance. Comprehensive insurance costs on average $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. Teens pay the highest rates at $6,126 a year or more.

Average premium for full coverage: $1,696

Price estimates by individual coverage:

Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and A6 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $955
• Using higher $1,000 deductibles will save around $1,436 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,696
• Selecting low $100 deductibles for physical damage coverage costs an additional $510 each year
• Higher-risk drivers with serious driving violations could pay upwards of $3,678 or more
• The price with full coverage for a teenage driver may cost $6,126 or more

View Chart as Image

Auto insurance prices for an Audi A6 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $2,000 to $2,700 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $770 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Audi A6 insurance rates. A driver around age 40 might see prices as low as $1,110 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,290 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company calculates prices differently, and quoted prices may be quite 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 Cheaper Audi A6 Insurance

Getting lower rates on auto insurance requires being a low-risk driver, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates every couple of years by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the material that was presented in the illustrations above.

• Consumers who require more liability coverage will pay approximately $430 annually to increase from a low limit to higher 250/500 limits
• Teen drivers are charged the highest prices, as much as $511 a month if full coverage is included
• Drivers with multiple at-fault accidents may pay on average $1,980 more each year to insure their A6
• Increasing physical damage deductibles could save up to $775 each year

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.