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 insurance prices for an Audi A6 are $1,558 every 12 months for full coverage insurance. Comprehensive costs around $324, collision insurance costs $624, and liability is $452. Liability-only coverage costs around $504 a year, and high-risk coverage costs around $3,388. Teens pay the most at up to $5,806 a year.

Average premium for full coverage: $1,558

Premium estimates for type of coverage:

Rates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all A6 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the effect of location on auto insurance rates.

These rate differences illustrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Audi A6 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $884
• Raising to $1,000 deductibles will save about $216 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,558
• Selecting pricier low deductibles increases the price to $1,976
• At-risk drivers with serious driving violations could pay at least $3,388
• An auto insurance policy to insure a teen driver for full coverage can be $5,806

View Chart as Image

Insurance prices for an Audi A6 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $640 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,900 to $2,600 extra annually, depending on your age. Audi A6 insurance for high-risk drivers is expensive and can cost as much as 45% to 136% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Audi A6 insurance prices. A middle-age driver might find prices as low as $1,020 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,100 on average in Michigan, New York, and Florida.

View Chart as Image

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.

How to Shop for Cheaper Audi A6 Insurance

Finding better rates on car insurance consists of being a good driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to shop around at least every two years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a summary of the information that was covered in this article.

• Increasing policy deductibles could save as much as $625 each year
• It is possible to save up to $190 per year just by quoting online well ahead of the renewal date
• Policyholders who may need an increased level of liability coverage will pay approximately $500 annually to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 pay higher prices, with premiums being up to $484 per month if they have full coverage
• Higher risk drivers that have multiple accidents or serious violations may pay on average $1,830 more every year than a safer driver

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.