Estimates, not quotes

Audi A6 vs BMW i4 Insurance Cost

The Audi A6 is cheaper to insure by about $60 a year for full coverage by our estimate ($1,860 vs. $1,920), and cheaper in 44 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageAudi A6BMW i4Difference
State minimum$570$660−$90
Standard (100/300/100)$830$960−$130
Full coverage$1,860$1,920−$60

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = A6 minus i4.

Why one costs more to insure

FactorAudi A6BMW i4
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, DieselElectric
HLDI collision (100 = avg)172163
HLDI comprehensive129103
HLDI property damage liability92122
HLDI bodily injury liability—106
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)24

Collision losses are the biggest swing factor: the Audi A6 has 9 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the BMW i4.

A6 vs i4 insurance by state

StateA6i4Difference
Alabama$1,665$1,695−$30
Alaska$1,655$1,705−$50
Arizona$1,930$1,990−$60
Arkansas$1,710$1,720−$10
California$1,900$1,950−$50
Colorado$2,110$2,135−$25
Connecticut$1,940$2,030−$90
Delaware$1,985$2,095−$110
District of Columbia$2,385$2,455−$70
Florida$2,490$2,645−$155
Georgia$2,210$2,325−$115
Hawaii$1,330$1,370−$40
Idaho$1,275$1,310−$35
Illinois$1,645$1,680−$35
Indiana$1,350$1,380−$30
Iowa$1,315$1,305+$10
Kansas$1,530$1,525+$5
Kentucky$1,550$1,600−$50
Louisiana$2,540$2,625−$85
Maine$1,220$1,240−$20
Maryland$2,065$2,150−$85
Massachusetts$1,855$1,915−$60
Michigan$2,065$2,120−$55
Minnesota$1,580$1,590−$10
Mississippi$1,810$1,835−$25
Missouri$1,710$1,735−$25
Montana$1,535$1,525+$10
Nebraska$1,535$1,535—
Nevada$2,015$2,150−$135
New Hampshire$1,360$1,395−$35
New Jersey$2,155$2,275−$120
New Mexico$1,690$1,725−$35
New York$2,415$2,535−$120
North Carolina$1,465$1,480−$15
North Dakota$1,265$1,245+$20
Ohio$1,360$1,385−$25
Oklahoma$1,725$1,730−$5
Oregon$1,610$1,690−$80
Pennsylvania$1,675$1,705−$30
Rhode Island$2,200$2,305−$105
South Carolina$1,915$2,000−$85
South Dakota$1,495$1,450+$45
Tennessee$1,595$1,620−$25
Texas$2,235$2,265−$30
Utah$1,640$1,720−$80
Vermont$1,280$1,290−$10
Virginia$1,605$1,655−$50
Washington$1,580$1,655−$75
West Virginia$1,600$1,610−$10
Wisconsin$1,300$1,310−$10
Wyoming$1,535$1,495+$40

By driver profile (full coverage)

DriverA6i4
Teen driver (18, own policy)$5,120$5,280
Young adult (22)$2,980$3,070
Adult in their 30s$1,860$1,920
Adult in their 50s$1,715$1,765
Senior (72)$2,085$2,150
30s, one at-fault accident$2,700$2,785
30s, DUI on record$3,445$3,550

More comparisons

Frequently asked questions

Is the Audi A6 or the BMW i4 cheaper to insure?

By our estimate the Audi A6 is cheaper, by about $60 a year for full coverage ($1,860 vs. $1,920) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi A6 and BMW i4?

Mostly because of insurance-loss history: HLDI collision indices of 172 vs. 163 and comprehensive indices of 129 vs. 103 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page