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. Comprehensive costs on average $398 each year, collision insurance costs $750, and liability is $390. Liability-only insurance costs around $452 a year, and high-risk driver insurance costs around $3,678. 16-year-old drivers pay the highest rates at up to $6,126 a year.

Average premium for full coverage: $1,696

Price estimates by individual coverage:

Full coverage includes $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and A6 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have fewer accident claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.

The ranges above show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $955
• Raising to $1,000 deductibles will save around $260 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,696
• Buying low deductibles will cost $2,206
• Drivers with multiple tickets or accidents could pay upwards of $3,678
• The price with full coverage for a 16-year-old driver may cost $6,126

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $2,000 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $770 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Audi A6 insurance prices. A middle-age driver might find prices as low as $1,120 a year in states like Idaho, Maine, and Iowa, or at least $2,420 on average in Michigan, Louisiana, and New York.

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

Getting lower rates on insurance for an Audi A6 consists of having a good driving record, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a summary of the primary concepts that were touched on in the above illustrations.

• Drivers can save as much as $210 per year just by quoting online in advance
• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,980 more each year to buy Audi A6 insurance
• Increasing physical damage deductibles could save up to $775 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $511 a month if comprehensive and collision insurance 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.