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 prices for an Audi A6 are $1,682 every 12 months for full coverage insurance. Comprehensive costs an estimated $382 each year, collision insurance costs $744, and liability insurance costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs around $3,656. Teens cost the most to insure at up to $6,118 a year.

Average premium for full coverage: $1,682

Policy rates broken down by type of insurance:

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and A6 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above illustrate why all drivers should 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.

More Rate Information

The chart below illustrates average 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 $256 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,682
• Selecting low 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
• Policy cost to insure a teen driver can cost as much as $6,118 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $760 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $2,000 to $2,700 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Audi A6 insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,270 on average in Florida, New York, and Michigan.

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 Shop for Cheaper Audi A6 Insurance

Finding cheaper rates on Audi A6 insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a condensed summary of the coverage data raised in the charts and tables above.

• It is possible to save approximately $210 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $750 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $510 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,970 more annually to buy Audi A6 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.