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 insurance prices for an Audi A6 are $1,682 every 12 months for full coverage. Comprehensive insurance costs approximately $382 a year, collision insurance costs $744, and liability insurance is $398. Liability-only coverage costs around $460 a year, and high-risk coverage costs $3,656 or more. 16-year-old drivers pay the highest rates at up to $6,118 a year.

Average premium for full coverage: $1,682

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and A6 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than congested cities. The diagram below illustrates how location impacts auto insurance prices.

The ranges above show why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below shows average Audi A6 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $946
• Raising to $1,000 deductibles will save $1,426 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,682
• Buying low $100 deductibles costs an extra $500 a year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,656
• The price to insure a teen driver can cost $6,118

View Chart as Image

Auto insurance prices for an Audi A6 are also quite variable based on deductibles and policy limits, your driver profile, and the model of your A6.

Opting for high physical damage deductibles can reduce prices by up to $760 each year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,600 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $2,000 to $2,700 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Audi A6 insurance rates. A middle-age driver might find prices as low as $1,110 a year in states like Iowa, Maine, and Idaho, or at least $2,400 on average in New York, Louisiana, 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 the Best Cheap Audi A6 Insurance

Getting lower rates on Audi A6 insurance consists of avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick review of the material that was touched on above.

• Drivers who purchase increased liability limits will pay around $440 each year to raise from a low limit to a 250/500 level
• Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $510 a month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,970 more per year to insure an Audi A6
• Increasing physical damage deductibles could save as much as $750 each year

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.