Audi A6 Insurance Cost

Full coverage for a Audi A6 costs about $1,860 a year ($155/month) by our estimate — ▲ +17% versus the average vehicle, ranking 223rd cheapest of 310 current models.

Audi A6 exterior (photo from Wikimedia Commons) — Photo: Alexander-93, CC BY-SA 4.0

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

Audi A6 insurance cost at a glance

Full coverage

$1,860

$155/mo · $1,525–$2,200

Minimum liability

$570

$48/mo

Segment

Luxury car

Gasoline, Hybrid, Diesel

HLDI collision losses

172

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Audi A6.

Estimated Audi A6 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$570	$48	$470–$675
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$830	$69	$680–$980
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,860	$155	$1,525–$2,200

What drives the cost of insuring a Audi A6

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Audi A6's results put our vehicle factor at 0.93× for liability, 1.67× for collision and 1.28× for comprehensive.

HLDI relative insurance losses — Audi A6 4dr 4WD (Large Luxury cars)
Coverage	Index	Rating	What it measures
Collision	172	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	129	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	92	Better than average	Damage this car does to other vehicles and property
Personal injury protection	56	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Audi A6 4dr 4WD	172	129	92	—
Audi A6 Allroad station wagon 4WD	164	—	—	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 2 NHTSA recall campaigns and 18 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi A6 trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
A6 Allroad quattro	AWD	3.0L 6-cyl Turbo Hybrid	24
A6 Sedan	AWD	3.0L 6-cyl Turbo	23

Audi A6 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD	23–24	$1,860
2025	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD	25–26	$1,815
2024	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD	25–26	$1,765
2023	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD	24–27	$1,715
2022	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	4WD, AWD	23–26	$1,670
2021	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD	22–26	$1,620
2020	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD	22–27	$1,570
2019	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD	25–27	$1,520
2018	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD, FWD	23–28	$1,475
2017	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD, FWD	24–28	$1,425
2016	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD, FWD	24–30	$1,375
2015	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD, FWD	21–29	$1,370
2014	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD, FWD	21–29	$1,370
2013	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD, FWD	21–28	$1,370
2012	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD, FWD	22–28	$1,370
2011	3.0L 6-cyl Supercharged, 3.2L 6-cyl, 4.2L 8-cyl	AWD, FWD	19–24	$1,370
2010	3.0L 6-cyl Supercharged, 3.2L 6-cyl, 4.2L 8-cyl	AWD, FWD	18–22	$1,370
2009	3.0L 6-cyl Supercharged, 3.1L 6-cyl, 4.2L 8-cyl	4WD/AWD, AWD, FWD	18–21	$1,370
2008	3.1L 6-cyl, 4.2L 8-cyl	4WD/AWD, FWD	18–21	$1,370
2007	3.1L 6-cyl, 4.2L 8-cyl	4WD/AWD, FWD	18–21	$1,370

Audi A6 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the A6 page for that state.

State	Full coverage	Minimum	vs. national	A6 page
Alabama	$1,665	$445	−10%	A6 in AL
Alaska	$1,655	$580	−11%	A6 in AK
Arizona	$1,930	$615	+4%	A6 in AZ
Arkansas	$1,710	$420	−8%	A6 in AR
California	$1,900	$535	+2%	A6 in CA
Colorado	$2,110	$605	+13%	A6 in CO
Connecticut	$1,940	$665	+4%	A6 in CT
Delaware	$1,985	$750	+7%	A6 in DE
District of Columbia	$2,385	$690	+28%	A6 in DC
Florida	$2,490	$1,005	+34%	A6 in FL
Georgia	$2,210	$815	+19%	A6 in GA
Hawaii	$1,330	$405	−28%	A6 in HI
Idaho	$1,275	$375	−31%	A6 in ID
Illinois	$1,645	$465	−12%	A6 in IL
Indiana	$1,350	$375	−27%	A6 in IN
Iowa	$1,315	$290	−29%	A6 in IA
Kansas	$1,530	$375	−18%	A6 in KS
Kentucky	$1,550	$490	−17%	A6 in KY
Louisiana	$2,540	$740	+37%	A6 in LA
Maine	$1,220	$395	−34%	A6 in ME
Maryland	$2,065	$700	+11%	A6 in MD
Massachusetts	$1,855	$550	0%	A6 in MA
Michigan	$2,065	$715	+11%	A6 in MI
Minnesota	$1,580	$440	−15%	A6 in MN
Mississippi	$1,810	$495	−3%	A6 in MS
Missouri	$1,710	$475	−8%	A6 in MO
Montana	$1,535	$365	−17%	A6 in MT
Nebraska	$1,535	$375	−17%	A6 in NE
Nevada	$2,015	$810	+8%	A6 in NV
New Hampshire	$1,360	$375	−27%	A6 in NH
New Jersey	$2,155	$870	+16%	A6 in NJ
New Mexico	$1,690	$485	−9%	A6 in NM
New York	$2,415	$865	+30%	A6 in NY
North Carolina	$1,465	$420	−21%	A6 in NC
North Dakota	$1,265	$260	−32%	A6 in ND
Ohio	$1,360	$375	−27%	A6 in OH
Oklahoma	$1,725	$440	−7%	A6 in OK
Oregon	$1,610	$585	−13%	A6 in OR
Pennsylvania	$1,675	$395	−10%	A6 in PA
Rhode Island	$2,200	$765	+18%	A6 in RI
South Carolina	$1,915	$685	+3%	A6 in SC
South Dakota	$1,495	$295	−20%	A6 in SD
Tennessee	$1,595	$420	−14%	A6 in TN
Texas	$2,235	$645	+20%	A6 in TX
Utah	$1,640	$610	−12%	A6 in UT
Vermont	$1,280	$295	−31%	A6 in VT
Virginia	$1,605	$585	−14%	A6 in VA
Washington	$1,580	$550	−15%	A6 in WA
West Virginia	$1,600	$405	−14%	A6 in WV
Wisconsin	$1,300	$345	−30%	A6 in WI
Wyoming	$1,535	$305	−17%	A6 in WY

Audi A6 insurance by driver profile

Estimated annual Audi A6 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,575	$2,280	$5,120	$427
Young adult (22)	$915	$1,330	$2,980	$248
Adult in their 30s	$570	$830	$1,860	$155
Adult in their 50s	$525	$765	$1,715	$143
Senior (72)	$640	$930	$2,085	$174
30s, one at-fault accident	$830	$1,205	$2,700	$225
30s, DUI on record	$1,060	$1,535	$3,445	$287

Audi A6 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi A6	$1,860	172	129	—
Lexus IS	$1,835	158	150	Compare
Mercedes-Benz C-Class	$2,050	161	160	Compare
Lexus LS	$2,225	214	127	Compare

Estimate Audi A6 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Audi models

A3 $1,615/yr
A5 $1,735/yr
A6 e-tron $1,910/yr
A8 $2,865/yr
e-tron GT $2,195/yr
Q3 $1,440/yr
Q6 e-tron $1,870/yr
Q8 $1,835/yr
RS 3 $1,810/yr
RS Q8 $2,340/yr
S3 $1,520/yr
S5 $1,830/yr
S8 $2,665/yr
SQ5 $1,720/yr
SQ8 $2,240/yr
Q4 e-tron $1,615/yr
Q5 $1,500/yr
Q7 $1,570/yr
RS 6 Avant $2,040/yr
RS 7 $2,445/yr
SQ7 $1,930/yr
A4 $1,565/yr
A7 $1,825/yr
Q8 e-tron $2,015/yr
RS 5 $2,045/yr
S4 $2,020/yr
S6 $1,835/yr
S7 $2,015/yr
e-tron $1,685/yr
R8 $1,975/yr

All Audi insurance costs →

Frequently asked questions

How much is insurance for a Audi A6?

We estimate about $1,860 a year ($155 a month) for full coverage and $570 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 17% more than the average vehicle.

Is the Audi A6 expensive to insure?

HLDI insurance-loss data rates it at 172 for collision and 129 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi A6?

Maine has the lowest estimate (about $1,220 a year for full coverage) and Louisiana the highest (about $2,540).

What is the Audi A6's NHTSA safety rating?

The 2026 Audi A6 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Audi A6 cheaper to insure than the Lexus IS?

By our estimate the Audi A6 costs about $1,860 a year versus $1,880 for the Lexus IS, making it the cheaper of the two to insure.

How much is Audi A6 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,120 a year at national-average rates by our estimate.

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