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 including full coverage. Comprehensive insurance costs around $382 a year, collision insurance costs $744, and liability is $398. A liability-only policy costs around $460 a year, and high-risk insurance costs $3,656 or more. 16-year-old 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:

These estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and A6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $946
• Raising to $1,000 deductibles will save about $1,426 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,682
• Buying low $100 deductibles will cost an additional $500 every year
• At-risk drivers with multiple tickets or accidents could pay at least $3,656
• Policy cost that insures a teen driver can be $6,118

View Chart as Image

Car insurance rates for an Audi A6 also range considerably based on the trim level of your A6, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $2,000 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $6,100 a year. View Rates by Age

Your home state also has a big influence on Audi A6 insurance prices. A middle-age driver might find rates as low as $1,290 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,400 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $760 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. 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 Cheap Audi A6 Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop every year by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a brief summary of the coverage data touched on in this article.

• You may be able to save up to $210 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $750 each year
• Teenage drivers are the costliest to insure, with premiums being up to $510 each month if full coverage is purchased
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $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.