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 auto insurance rates for an Audi A6 are $1,682 annually including full coverage. Comprehensive costs an estimated $382, collision insurance costs $744, and liability insurance is $398. Buying just liability costs around $460 a year, and insurance for high-risk drivers costs around $3,656. Teens receive the highest rates at up to $6,118 a year.

Average premium for full coverage: $1,682

Rate estimates broken down by individual coverage type:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all A6 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on insurance prices.

These examples highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Audi A6 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $946
• Raising to $1,000 deductibles will save approximately $256 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,682
• Selecting pricier low deductibles will cost $2,182
• Higher-risk drivers with serious driving violations could pay up to $3,656
• The cost with full coverage for a teen driver for full coverage can cost as much as $6,118

View Chart as Image

Auto insurance rates for an Audi A6 can also vary considerably based on the trim level of your A6, your driving characteristics, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $2,000 to $2,700 in extra premium per year, depending on your age. Audi A6 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $760 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Audi A6 insurance rates. A middle-age driver might find rates as low as $1,290 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,400 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

Saving money on Audi A6 insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a summary of the data covered in the above illustrations.

• Drivers who want higher liability limits will pay approximately $440 per year to raise from a minimum limit to higher 250/500 limits
• You may be able to save approximately $210 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $750 each year
• Teens are the costliest to insure, as much as $510 per month if full coverage is included

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.