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 $1,682 a year for full coverage. Comprehensive insurance costs approximately $382 each year, collision costs $744, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing $3,656 or more. 16-year-old drivers receive the highest rates at $6,118 a year or more.

Average premium for full coverage: $1,682

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and A6 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities.

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

These examples show why all drivers should compare prices using their specific location, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $946
• Using higher $1,000 deductibles will save $256 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,682
• Buying low deductibles for physical damage coverage will cost an additional $500 every year
• Drivers with multiple tickets or accidents could pay around $3,656 or more
• The cost that insures a teen driver can cost $6,118 or more

View Chart as Image

Insurance rates for an Audi A6 can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $2,000 to $2,700 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Where you live has a huge impact on Audi A6 insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Iowa, Maine, and Idaho, or at least $2,400 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $760 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, and rates can be significantly different.

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 More Affordable Audi A6 Insurance

Saving money on car insurance requires being safe and accident-free, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Comparison shop every time your policy renews by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a summary of the information presented in the illustrations above.

• Drivers can save around $210 per year simply by quoting online in advance
• Youthful drivers are the costliest to insure, costing as high as $510 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $750 each year
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,970 more per year than a low-risk driver
• Policyholders who purchase more liability protection will pay around $440 each year to increase from a minimum limit to the 250/500 level

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.