Audi A6 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 18, 2024

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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 prices for an Audi A6 are $1,682 every 12 months including full coverage. Comprehensive costs an estimated $382 a year, collision costs $744, and liability insurance costs $398. A policy with only liability insurance costs as little as $460 a year, with a high-risk policy costing around $3,656. Teens pay the most at $6,118 a year or more.

Average premium for full coverage: $1,682

Premium estimates broken down by type of coverage:

Comprehensive $382
Collision $744
Liability $398

Includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and A6 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for an Audi A6 go from the cheapest price of $460 for basic liability insurance to a high of $3,656 for a driver who requires high-risk insurance.

Liability Only $460
Full Coverage $1,682
High Risk $3,656

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,262
Small Cities $1,766
Large Cities $2,271

These rate differences highlight why it is important to compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

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

  • The cheapest rate after discounts is $946
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,426 every year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,682
  • Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $2,182
  • High risk drivers with serious driving violations could pay up to $3,656 or more
  • An auto insurance policy to insure a teen driver can cost as much as $6,118 a year

View Chart as Image

Audi A6 insurance cost comparison chart
Column chart showing full coverage Audi A6 insurance rates range from $946 to $6,118

Car insurance prices for an Audi A6 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $760 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $2,000 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay 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.

Audi A6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,522 -$160 -9.5%
Alaska $1,290 -$392 -23.3%
Arizona $1,396 -$286 -17.0%
Arkansas $1,682 -$0 0.0%
California $1,918 $236 14.0%
Colorado $1,608 -$74 -4.4%
Connecticut $1,732 $50 3.0%
Delaware $1,904 $222 13.2%
Florida $2,106 $424 25.2%
Georgia $1,554 -$128 -7.6%
Hawaii $1,208 -$474 -28.2%
Idaho $1,138 -$544 -32.3%
Illinois $1,254 -$428 -25.4%
Indiana $1,268 -$414 -24.6%
Iowa $1,136 -$546 -32.5%
Kansas $1,600 -$82 -4.9%
Kentucky $2,296 $614 36.5%
Louisiana $2,492 $810 48.2%
Maine $1,040 -$642 -38.2%
Maryland $1,388 -$294 -17.5%
Massachusetts $1,348 -$334 -19.9%
Michigan $2,926 $1,244 74.0%
Minnesota $1,410 -$272 -16.2%
Mississippi $2,018 $336 20.0%
Missouri $1,492 -$190 -11.3%
Montana $1,808 $126 7.5%
Nebraska $1,326 -$356 -21.2%
Nevada $2,018 $336 20.0%
New Hampshire $1,214 -$468 -27.8%
New Jersey $1,882 $200 11.9%
New Mexico $1,492 -$190 -11.3%
New York $1,774 $92 5.5%
North Carolina $970 -$712 -42.3%
North Dakota $1,378 -$304 -18.1%
Ohio $1,164 -$518 -30.8%
Oklahoma $1,730 $48 2.9%
Oregon $1,542 -$140 -8.3%
Pennsylvania $1,606 -$76 -4.5%
Rhode Island $2,246 $564 33.5%
South Carolina $1,526 -$156 -9.3%
South Dakota $1,420 -$262 -15.6%
Tennessee $1,474 -$208 -12.4%
Texas $2,028 $346 20.6%
Utah $1,244 -$438 -26.0%
Vermont $1,150 -$532 -31.6%
Virginia $1,006 -$676 -40.2%
Washington $1,300 -$382 -22.7%
West Virginia $1,542 -$140 -8.3%
Wisconsin $1,166 -$516 -30.7%
Wyoming $1,498 -$184 -10.9%

View Chart as Image

Audi A6 insurance rates by U.S. city

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different.

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.

Audi A6 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A6 $398 $750 $390 $1,696
2023 Audi A6 $382 $744 $398 $1,682
2022 Audi A6 $368 $726 $416 $1,668
2021 Audi A6 $356 $696 $430 $1,640
2020 Audi A6 $336 $672 $442 $1,608
2019 Audi A6 $324 $624 $452 $1,558
2018 Audi A6 $310 $588 $456 $1,512
2017 Audi A6 $298 $526 $460 $1,442
2016 Audi A6 $278 $484 $460 $1,380
2015 Audi A6 $268 $454 $464 $1,344
2014 Audi A6 $262 $424 $474 $1,318
2013 Audi A6 $242 $394 $474 $1,268
2012 Audi A6 $236 $358 $478 $1,230
2011 Audi A6 $220 $326 $474 $1,178
2010 Audi A6 $208 $296 $474 $1,136
2009 Audi A6 $200 $266 $468 $1,092
2007 Audi A6 $194 $248 $452 $1,052
2006 Audi A6 $178 $236 $446 $1,018
2005 Audi A6 $172 $224 $442 $996

Rates are averaged for all Audi A6 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Audi A6 Insurance

Finding better rates on Audi A6 insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, refrain from filing small claims, and not having any coverage lapses. Set aside time to shop around at every other renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following is a recap of the concepts that were raised in the charts and tables above.

  • High-risk drivers that have major violations or accidents may have to pay on average $1,970 more annually for A6 insurance
  • Teens have the highest car insurance prices, with the cost nearing $510 per month if the policy includes full coverage
  • You may be able to save approximately $210 per year simply by quoting early and online
  • Increasing policy deductibles could save as much as $750 each year
  • You may be able to save approximately $210 per year simply by quoting 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. 

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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.

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

Rates by Driver Age

Audi A6 Insurance Rates by Driver Age
Driver Age Premium
16 $6,118
20 $3,902
30 $1,772
40 $1,682
50 $1,536
60 $1,506

Full coverage, $500 deductibles

Rates by Deductible

Audi A6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,182
$250 $1,950
$500 $1,682
$1,000 $1,426

Full coverage, driver age 40

Rates by Liability Limit

Audi A6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,682
50/100 $1,846
100/300 $1,945
250/500 $2,204
100 CSL $1,885
300 CSL $2,104
500 CSL $2,264

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A6 Insurance Rates for High Risk Drivers
Age Premium
16 $8,780
20 $6,212
30 $3,756
40 $3,656
50 $3,488
60 $3,460

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $239

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $91
Multi-vehicle $88
Homeowner $23
5-yr Accident Free $132
5-yr Claim Free $110
Paid in Full/EFT $83
Advance Quote $87
Online Quote $122
Total Discounts $736
Rate after discounts $946

Discounts are estimated and may not be available from every company or in every state.

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