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.

U.S. average auto insurance rates for an Audi A6 are $1,696 annually for full coverage insurance. Comprehensive insurance costs an estimated $398 a year, collision insurance costs $750, and liability is $390. A policy with just liability insurance costs around $452 a year, and coverage for high-risk drivers costs $3,678 or more. Teenage drivers pay the highest rates at up to $6,126 a year.

Average premium for full coverage: $1,696

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and A6 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Audi A6 insurance rates for other coverage scenarios.

• The best discount rate is $955
• Raising to $1,000 deductibles will save approximately $1,436 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,696
• Using low $100 deductibles costs an additional $510 every year
• At-risk drivers who are prone to accidents and violations could pay up to $3,678
• The price with full coverage for a teen driver can cost as much as $6,126

View Chart as Image

Insurance prices for an Audi A6 are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $2,000 to $2,700 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $770 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Audi A6 insurance prices. A middle-age driver might find prices as low as $1,110 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,290 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 Buy the Best Audi A6 Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief recap of the ideas that were touched on above.

• Teenagers are charged the highest prices, as much as $511 a month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations may pay on average $1,980 more annually for car insurance
• Increasing physical damage deductibles could save up to $775 each year
• It is possible to save approximately $210 per year just 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. 

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.