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.

The average insurance rates for an Audi A6 are $1,682 a year for full coverage. Comprehensive insurance costs on average $382 each year, collision insurance costs $744, and liability coverage is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,656 or more. Teenage drivers cost the most to insure at up to $6,118 a year.

Average premium for full coverage: $1,682

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and A6 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

The examples above show why all drivers should get quotes based on a specific location, rather than using average rates.

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

Additional Rate Details

The chart below shows average Audi A6 insurance rates for different risk profiles and scenarios.

• The best discount rate is $946
• Choosing higher $1,000 deductibles can save around $256 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,682
• Using low deductibles for comp and collision coverage will cost an additional $500 each year
• Drivers who are prone to accidents and violations could pay upwards of $3,656
• Policy cost that insures a teenage driver may cost $6,118 each year

View Chart as Image

Insurance rates for an Audi A6 also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $2,000 to $2,700 additional every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,600 annually on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $6,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi A6 insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,400 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $760 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

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 Cheaper Audi A6 Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at every other renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a condensed summary of the concepts that were covered in the charts and tables above.

• Drivers with multiple at-fault accidents may pay on average $1,970 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher rates, costing up to $510 each month if comprehensive and collision insurance is included
• Drivers can save as much as $210 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $750 each year
• Drivers can save as much as $210 per year just by quoting online in advance

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.