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 around $382, collision insurance costs $744, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,656 or more. Teen drivers cost the most to insure at up to $6,118 a year.

Average premium for full coverage: $1,682

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different A6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance rates.

The examples above show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $946
• Choosing higher $1,000 deductibles can save about $256 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,682
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $500 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,656
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $6,118 each year

View Chart as Image

Insurance rates for an Audi A6 also range considerably based on your risk profile, the trim level of your A6, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,600 annually on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $6,100 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles can save as much as $760 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $2,000 to $2,700 additional every year, depending on your age. High-risk driver insurance ranges from 44% to 133% more than average. View High Risk Driver Rates

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 insurance for an Audi A6 takes avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a condensed summary of the ideas that were touched on in the above illustrations.

• Drivers under the age of 20 are charged the highest rates, costing up to $510 each month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,970 more every year to insure an Audi A6
• Increasing comprehensive and collision deductibles can save around $750 each year
• Drivers can save up to $210 per year just by shopping early and online

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.