Audi S6 Insurance Cost

Full coverage for a Audi S6 costs about $1,835 a year ($153/month) by our estimate — ▲ +15% versus the average vehicle.

Audi S6 exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, 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 S6 insurance cost at a glance

Full coverage

$1,835

$153/mo · $1,505–$2,165

Minimum liability

$600

$50/mo

Segment

Luxury car

Gasoline, Hybrid

HLDI collision losses

168

Much worse than average (100 = avg)

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 2025 model year. Our vehicle data covers the 2007–2025 model years of the Audi S6, which is no longer in production.

Estimated Audi S6 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.	$600	$50	$495–$710
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$870	$73	$715–$1,030
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,835	$153	$1,505–$2,165

What drives the cost of insuring a Audi S6

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 S6's results put our vehicle factor at 0.98× for liability, 1.64× for collision and 1.25× for comprehensive.

HLDI relative insurance losses — Audi S6 4dr 4WD (Large Luxury cars)
Coverage	Index	Rating	What it measures
Collision	168	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 1 NHTSA recall campaigns and 2 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi S6 trims and configurations (2025)

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.)
S6	AWD	2.9L 6-cyl Hybrid	22

Audi S6 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
2025	2.9L 6-cyl Hybrid	AWD	22	$1,835
2024	2.9L 6-cyl Hybrid	AWD	22	$1,785
2023	2.9L 6-cyl Turbo Hybrid	AWD	22	$1,740
2022	2.9L 6-cyl Turbo Hybrid	4WD	22	$1,690
2021	2.9L 6-cyl Turbo Hybrid	AWD	22	$1,645
2020	2.9L 6-cyl Turbo Hybrid	AWD	22	$1,595
2018	4.0L 8-cyl Turbo	AWD	18	$1,500
2017	4.0L 8-cyl Turbo	AWD	21	$1,455
2016	4.0L 8-cyl Turbo	AWD	21	$1,405
2015	4.0L 8-cyl Turbo	AWD	20	$1,400
2014	4.0L 8-cyl Turbo	AWD	20	$1,400
2013	4.0L 8-cyl Turbo	AWD	20	$1,400
2011	5.2L 10-cyl	AWD	16	$1,400
2010	5.2L 10-cyl	AWD	16	$1,400
2009	5.2L 10-cyl	4WD/AWD	16	$1,400
2008	5.2L 10-cyl	4WD/AWD	16	$1,400
2007	5.2L 10-cyl	4WD/AWD	16	$1,400

Audi S6 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.

State	Full coverage	Minimum	vs. national
Alabama	$1,630	$470	−11%
Alaska	$1,625	$610	−11%
Arizona	$1,905	$650	+4%
Arkansas	$1,665	$440	−9%
California	$1,860	$560	+1%
Colorado	$2,070	$640	+13%
Connecticut	$1,925	$695	+5%
Delaware	$1,980	$785	+8%
District of Columbia	$2,345	$725	+28%
Florida	$2,495	$1,055	+36%
Georgia	$2,200	$855	+20%
Hawaii	$1,305	$425	−29%
Idaho	$1,255	$395	−32%
Illinois	$1,615	$490	−12%
Indiana	$1,325	$395	−28%
Iowa	$1,280	$305	−30%
Kansas	$1,490	$395	−19%
Kentucky	$1,530	$515	−17%
Louisiana	$2,510	$775	+37%
Maine	$1,190	$415	−35%
Maryland	$2,045	$740	+11%
Massachusetts	$1,825	$580	−1%
Michigan	$2,025	$750	+10%
Minnesota	$1,545	$460	−16%
Mississippi	$1,775	$520	−3%
Missouri	$1,675	$500	−9%
Montana	$1,490	$385	−19%
Nebraska	$1,495	$395	−19%
Nevada	$2,020	$850	+10%
New Hampshire	$1,335	$395	−27%
New Jersey	$2,150	$915	+17%
New Mexico	$1,655	$510	−10%
New York	$2,400	$910	+31%
North Carolina	$1,425	$440	−22%
North Dakota	$1,220	$270	−34%
Ohio	$1,330	$395	−28%
Oklahoma	$1,680	$460	−8%
Oregon	$1,600	$615	−13%
Pennsylvania	$1,640	$415	−11%
Rhode Island	$2,180	$805	+19%
South Carolina	$1,905	$720	+4%
South Dakota	$1,445	$310	−21%
Tennessee	$1,560	$445	−15%
Texas	$2,190	$680	+19%
Utah	$1,630	$640	−11%
Vermont	$1,245	$310	−32%
Virginia	$1,580	$615	−14%
Washington	$1,570	$580	−14%
West Virginia	$1,565	$425	−15%
Wisconsin	$1,270	$365	−31%
Wyoming	$1,480	$320	−19%

Audi S6 insurance by driver profile

Estimated annual Audi S6 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,655	$2,400	$5,045	$420
Young adult (22)	$965	$1,395	$2,935	$245
Adult in their 30s	$600	$870	$1,835	$153
Adult in their 50s	$555	$805	$1,690	$141
Senior (72)	$675	$975	$2,055	$171
30s, one at-fault accident	$870	$1,265	$2,660	$222
30s, DUI on record	$1,115	$1,615	$3,395	$283

Audi S6 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi S6	$1,835	168	—	—
Lexus IS	$1,835	158	150	—
Lexus ES	$1,590	121	108	—
BMW 7 Series	$3,710	405	363	—

Estimate Audi S6 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
A6 $1,860/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
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 S6?

We estimate about $1,835 a year ($153 a month) for full coverage and $600 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 15% more than the average vehicle.

Is the Audi S6 expensive to insure?

HLDI insurance-loss data rates it at 168 for collision and 0 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi S6?

Maine has the lowest estimate (about $1,190 a year for full coverage) and Louisiana the highest (about $2,510).

Is the Audi S6 cheaper to insure than the Lexus IS?

By our estimate the Audi S6 costs about $1,835 a year versus $1,880 for the Lexus IS, making it the cheaper of the two to insure.

How much is Audi S6 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,045 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