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: Jun 3, 2023

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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.

The average insurance rates for an Audi A6 are $1,682 a year for full coverage. Comprehensive costs on average $382, collision costs $744, and liability costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing around $3,656. Teen drivers cost the most to insure at $6,118 a year or more.

Average premium for full coverage: $1,682

Policy rates by type of insurance:

Comprehensive $382
Collision $744
Liability $398

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all A6 models.

Price Range Variability

For an average driver, Audi A6 insurance rates go from the low end price of $460 for a discount liability-only rate to the much higher price of $3,656 for a policy for a high-risk driver.

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

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.

The example below illustrates the effect of geographic area on car insurance rates.

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

The examples above show why everyone should compare rates based on a specific location, instead of making a decision based on price averages.

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.

Rates by State, City, and Model

The chart below shows estimated Audi A6 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $946
  • Drivers who choose higher $1,000 deductibles will pay around $256 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,682
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,182
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,656 or more
  • Policy cost that insures a 16-year-old driver for full coverage may cost $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

Insurance rates for an Audi A6 also range considerably based on the model of your A6, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $2,000 to $2,700 extra every year, depending on your age. Audi A6 insurance for high-risk drivers can cost from 44% to 133% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $6,100 a year. View Rates by Age

Your home state makes a big difference in Audi A6 insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Idaho, Maine, and Iowa, or as much as $2,400 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $760 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Every company uses a different rate calculation, so the rates will be varied.

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 Find Affordable Audi A6 Insurance

Finding cheaper rates on insurance for an Audi A6 not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Shop around every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following list is a brief review of the coverage data covered in the above illustrations.

  • Drivers can save as much as $210 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $750 each year
  • Drivers age 16 to 20 pay the highest rates, costing up to $510 each month if full coverage is included
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,970 more each year than a safer driver

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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