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 rates for an Audi A6 are $1,682 a year for full coverage. Comprehensive insurance costs around $382, collision costs $744, and liability costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing $3,656 or more. 16-year-old drivers pay the most at $6,118 a year or more.

Average premium for full coverage: $1,682

Premium estimates for type of coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different A6 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $946
• Drivers who choose higher $1,000 deductibles will pay about $256 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,682
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $500 annually
• Drivers with multiple tickets or accidents could pay at least $3,656 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $6,118 a year

View Chart as Image

Insurance prices for an Audi A6 also have a wide range based on your driving characteristics, 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 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Audi A6 insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Idaho, Maine, and Iowa, or at least $2,400 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $760 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $2,000 to $2,700 additional annually, depending on your age. High-risk driver insurance can cost from 44% to 133% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Every company utilizes a different rate formula, and prices will be substantially different from one company to the next.

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 Low Cost Audi A6 Insurance

Finding better rates on insurance for an Audi A6 not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a review of the coverage data covered above.

• Drivers can save up to $210 per year simply by shopping early and online
• Increasing policy deductibles can save around $750 each year
• Teenage drivers are charged the highest prices, as much as $510 per month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,970 more every year for auto insurance

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.