Audi A6 insurance costs average $91 monthly for minimum coverage and $176 per month for full coverage. Depending on your particular trim and model year, costs can range from $42 to $372 monthly.
Audi A6 Insurance Cost
Updated: October 3, 2025
Key Takeaways
Audi A6 insurance costs vary from $89 to $372 monthly depending on your specific trim level and model year.
The Audi A6 ranks 381st out of 827 vehicle models for insurance affordability in the current US automotive market.
GEICO offers the most affordable Audi A6 coverage with full protection at $142 monthly and minimum coverage starting at $65 monthly.
How Much Is Audi A6 Insurance?
| Audi A6 | $91 | $176 |
Audi A6 Insurance Cost by Model Year
Your Audi A6's model year and trim level directly impact your insurance rates. Newer models usually cost more because of their higher fair value. Monthly premiums for different A6 model years range from as low as $57 to as high as $292.
| 2025 | $125 | $246 |
| 2024 | $109 | $214 |
| 2023 | $84 | $164 |
| 2022 | $83 | $163 |
| 2021 | $62 | $122 |
| 2020 | $57 | $112 |
| 2019 | $111 | $218 |
| 2018 | $111 | $217 |
| 2017 | $100 | $196 |
| 2016 | $93 | $180 |
| 2015 | $90 | $176 |
| 2014 | $79 | $153 |
| 2013 | $85 | $165 |
| 2012 | $74 | $143 |
| 2011 | $151 | $292 |
| 2010 | $132 | $255 |
| 2009 | $123 | $239 |
| 2008 | $105 | $202 |
| 2007 | $88 | $171 |
| 2006 | $77 | $149 |
| 2005 | $68 | $131 |
| 2004 | $64 | $123 |
| 2003 | $64 | $123 |
| 2002 | $74 | $142 |
| 2001 | $75 | $145 |
| 2000 | $73 | $141 |
Audi A6 Insurance Cost by Trim
Your Audi A6's specific trim dramatically affects insurance costs. Premium features, market value and model rarity all influence what insurers charge. Monthly rates span from $49 for basic trims to $331 for high-end variants, showing how trim selection impacts your budget.
| Sport 45 Tfsi Premium Sedan 4d | $49 | $95 |
| Sport 45 Tfsi Premium Plus Sedan 4d | $51 | $101 |
| Quattro Sedan 4d | $55 | $107 |
| Avant Quattro Wagon 4d | $57 | $111 |
| 2.7t S-Line Quattro Sedan 4d | $60 | $116 |
| 45 Tfsi Premium Sedan 4d | $64 | $125 |
| 2.7t Quattro Sedan 4d | $65 | $126 |
| 45 Tfsi Premium Plus Sedan 4d | $67 | $132 |
| Allroad Premium Plus Wagon 4d | $70 | $138 |
| Avant Wagon 4d | $71 | $137 |
| 3.2 Quattro Sedan 4d | $71 | $138 |
| 55 Tfsi Premium Sedan 4d | $71 | $140 |
| 3.0t Quattro Premium Sedan 4d | $72 | $139 |
| Sedan 4d | $73 | $140 |
| 2.7t Sedan 4d | $73 | $140 |
| 55 Tfsi Premium Plus Sedan 4d | $77 | $151 |
| 4.2 Sedan 4d | $77 | $149 |
| 45 Tfsi Prestige Sedan 4d | $80 | $157 |
| Allroad Prestige Wagon 4d | $80 | $158 |
| 55 Tfsi Prestige Sedan 4d | $82 | $161 |
| 2.0t Premium Plus Sedan 4d | $83 | $161 |
| 2.0t Premium Sedan 4d | $84 | $162 |
| 3.2 Avant Quattro Wagon 4d | $88 | $170 |
| 3.0t Premium Plus Sedan 4d | $91 | $177 |
| 3.2 Sedan 4d | $93 | $179 |
| Allroad 55 Tfsi Premium Plus Wagon 4d | $94 | $184 |
| Tdi Premium Plus Sedan 4d | $95 | $186 |
| 45 Tfsi Premium | $96 | $187 |
| 3.0t Prestige Sedan 4d | $98 | $191 |
| Tdi Prestige Sedan 4d | $101 | $196 |
| Allroad 55 Tfsi Prestige Wagon 4d | $101 | $199 |
| 55 Tfsi Premium | $104 | $204 |
| 45 Tfsi Premium Plus | $105 | $205 |
| 3.0t Premium Sedan 4d | $106 | $207 |
| 3.0t Sport Sedan 4d | $108 | $212 |
| 3.0t Quattro Sedan 4d | $110 | $213 |
| Competition Sedan 4d | $111 | $217 |
| 55 Tfsi Premium Plus | $111 | $219 |
| 2.0t Sport Sedan 4d | $113 | $220 |
| Allroad 55 Tfsi Premium Plus | $117 | $229 |
| 55 Tfsi Prestige | $122 | $238 |
| 4.2 Quattro Sedan 4d | $123 | $238 |
| Allroad 55 Tfsi Prestige | $129 | $252 |
| E-Tron Premium | $134 | $263 |
| E-Tron Premium Plus | $151 | $297 |
| 3.0t Avant Quattro Wagon 4d | $153 | $296 |
| E-Tron Prestige | $169 | $331 |
Compare Personalized Audi A6 Insurance Costs
We've organized Audi A6 insurance costs by model year and trim for personalized rate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Sedan 4d
| Sedan 4d | $78 | $150 |
Audi A6 Insurance Cost by Company
Audi A6 insurance costs vary by provider from $104 to $212 monthly. Minimum coverage ranges from $65 to $136, while full coverage costs $142 to $301. Rates vary due to different risk assessment models.
| AAA | $104 | $215 |
| AIG | $123 | $301 |
| Allstate | $121 | $233 |
| Amica | $115 | $236 |
| Chubb | $114 | $226 |
| Farmers | $132 | $231 |
| GEICO | $65 | $142 |
| Kemper | $88 | $181 |
| Nationwide | $95 | $164 |
| Progressive | $86 | $162 |
| State Farm | $83 | $174 |
| The Hartford | $84 | $143 |
| Travelers | $77 | $143 |
| UAIC | $136 | $170 |
Audi A6 Insurance Cost by State
Audi A6 car insurance costs vary dramatically by location, from $39 monthly in Wyoming to $375 in Louisiana.
| Alabama | $79 | $150 |
| Alaska | $67 | $142 |
| Arizona | $105 | $197 |
| Arkansas | $74 | $164 |
| California | $87 | $176 |
| Colorado | $86 | $206 |
| Connecticut | $120 | $208 |
| Delaware | $121 | $204 |
| Florida | $106 | $244 |
| Georgia | $128 | $211 |
| Hawaii | $47 | $107 |
| Idaho | $50 | $101 |
| Illinois | $83 | $156 |
| Indiana | $59 | $116 |
| Iowa | $53 | $129 |
| Kansas | $67 | $156 |
| Kentucky | $110 | $188 |
| Louisiana | $177 | $375 |
| Maine | $48 | $100 |
| Maryland | $134 | $227 |
| Massachusetts | $93 | $197 |
| Michigan | $137 | $265 |
| Minnesota | $75 | $158 |
| Mississippi | $80 | $158 |
| Missouri | $108 | $215 |
| Montana | $70 | $166 |
| Nebraska | $67 | $153 |
| Nevada | $148 | $268 |
| New Hampshire | $63 | $113 |
| New Jersey | $142 | $235 |
| New Mexico | $75 | $166 |
| New York | $103 | $185 |
| North Carolina | $72 | $142 |
| North Dakota | $57 | $126 |
| Ohio | $69 | $133 |
| Oklahoma | $85 | $190 |
| Oregon | $101 | $176 |
| Pennsylvania | $80 | $189 |
| Rhode Island | $110 | $197 |
| South Carolina | $86 | $162 |
| South Dakota | $53 | $164 |
| Tennessee | $72 | $146 |
| Texas | $112 | $229 |
| Utah | $92 | $157 |
| Vermont | $43 | $102 |
| Virginia | $85 | $137 |
| Washington | $81 | $150 |
| West Virginia | $82 | $167 |
| Wisconsin | $60 | $131 |
| Wyoming | $39 | $121 |
Audi A6 Insurance Cost by Driver Profile
Your driving profile dramatically impacts Audi A6 insurance costs, especially age and driving history. Monthly rates can reach $337 for young drivers under 25 without violations, while adult drivers between 26-64 enjoy much lower premiums around $133 monthly with clean records.
| Adult Drivers | $91 | $176 |
| Young Drivers | $230 | $444 |
| Senior Drivers | $121 | $223 |
| Drivers With a Speeding Ticket | $113 | $221 |
| Drivers With an Accident | $133 | $258 |
| Drivers With a DUI | $167 | $322 |
| Drivers With Bad Credit | $218 | $441 |
Is an Audi A6 Expensive to Insure?
You might be concerned about Audi insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, an Audi A6 ranks 381st out of 827, making it one of the more average cars to insure. Among midsize luxury sedans, the model ranks 18th out of 47.
| Alfa Romeo Giulia | $61 | $120 |
| Cadillac Seville | $62 | $119 |
| Infiniti I | $64 | $124 |
| Lincoln LS | $68 | $132 |
| Buick Regal | $71 | $136 |
| Volvo S80 | $78 | $151 |
| Volkswagen Phaeton | $78 | $151 |
| Lincoln MKZ | $79 | $153 |
| Acura TL | $80 | $154 |
| Buick Lacrosse | $83 | $160 |
| Infiniti G-Series | $83 | $160 |
| Infiniti M | $85 | $165 |
| Mercedes C-Class | $85 | $166 |
| Mercedes E-Class | $87 | $170 |
| Buick Regal Tour X | $88 | $171 |
| Lincoln Continental | $88 | $172 |
| Buick Regal Sportback | $88 | $171 |
| Audi A6 | $90 | $176 |
| Bmw 3-series | $91 | $176 |
| Lexus GS | $91 | $177 |
| Infiniti Q40 | $93 | $181 |
| Audi A5 | $94 | $184 |
| Cadillac CTS | $96 | $187 |
| Bmw 5-series | $97 | $188 |
| Lexus ES | $97 | $189 |
| Acura RLX | $104 | $203 |
| Volvo S60 | $105 | $204 |
| Audi A6 | $107 | $208 |
| Genesis G80 | $111 | $216 |
| Audi S6 | $111 | $218 |
| Acura TLX | $112 | $218 |
| Mercedes CLS | $116 | $227 |
| Infiniti Q70 | $118 | $229 |
| Cadillac CT5 | $118 | $231 |
| Audi S7 | $124 | $244 |
| Jaguar XF | $125 | $242 |
| Mercedes EQE | $124 | $243 |
| Cadillac STS | $126 | $244 |
| Audi A7 | $128 | $250 |
| Bmw i4 | $130 | $254 |
| Bmw M5 | $132 | $259 |
| Bmw 6-series | $137 | $267 |
| Volvo S90 | $138 | $269 |
| Audi RS 7 | $150 | $295 |
| Maserati Ghibili | $184 | $362 |
| Cadillac CT5-V | $247 | $482 |
| Cadillac CTS-V | $276 | $538 |
Factors That Affect Audi Car Insurance Costs
These factors affect what you'll pay for Audi A6 insurance coverage:
- Age Demographics: Primary buyers aged 35-54 (52% of Audi owners), with a median age of 50+. These mature professionals represent a lower accident risk than younger luxury car buyers
- Income Level: Average household income $101,724 (vs $51,000 national average), enabling comprehensive coverage and multi-policy bundling opportunities
- Gender Distribution: 66% male, 34% female ownership - affluent male professionals typically maintain clean driving records and comprehensive coverage
- Professional Profile: Young professionals and executives attracted to understated luxury, prioritizing safety over performance, unlike S or RS models
- Insurance Rate Impact: Despite luxury premiums averaging $247-315/month, mature buyer demographics and excellent safety ratings (five-star NHTSA, IIHS Top Safety Pick+) help moderate increases. Comprehensive coverage is common among high-income buyers
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467. Audi A6 repair costs average $1,903 annually, making it one of Audi's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
Insurance costs vary dramatically across trim levels and engines. Premium 45 TFSI models average $2,796 annually, while top Prestige 55 TFSI variants reach $3,104+ annually. The powerful 335hp V6 commands higher rates than the base 261hp four-cylinder.
Premium features include Virtual Cockpit Plus, Bang & Olufsen audio, adaptive air suspension, and matrix LED lighting. High-tech safety systems like Traffic Jam Assist and 360-degree cameras increase replacement values. The upcoming all-electric A6 e-tron will likely carry additional premiums due to advanced EV technology and specialized repair requirements.
Fuel Type
All current A6 models use premium gasoline, avoiding EV repair premiums but requiring higher-grade fuel. The mild-hybrid system in both engines adds complexity without full hybrid benefits. Base 2.0L TFSI turbo achieves 26 mpg combined while the 3.0L V6 TFSI returns 25 mpg combined, both requiring premium fuel.
Due to expensive battery technology and specialized repair networks, the upcoming A6 e-tron electric variant will likely carry 15-20% higher insurance rates. Mild-hybrid technology increases component complexity over traditional engines, though not as dramatically as full hybrid systems.
Location
Urban areas with higher luxury vehicle concentration see increased rates due to theft risk and comprehensive service requirements. The A6 ranks as the second best-selling Audi globally with 244,000 units sold in 2024, ensuring nationwide parts availability.
Specialized Audi service centers are less common than mainstream brands, potentially affecting regional repair costs and insurance rates. High-income suburban areas typically offer better rates due to lower crime and responsible driving profiles.
Driver Profile
A6 owner demographics create favorable insurance risk profiles despite luxury positioning:
Cheapest Audi A6 Insurance Companies
A6 drivers can find the most affordable full coverage car insurance through GEICO at $142 monthly. For minimum coverage policies, GEICO also offers the cheapest rates for A6 owners at $65 per month.
| GEICO | $65 | $142 |
| Travelers | $77 | $143 |
| The Hartford | $84 | $143 |
| Progressive | $86 | $162 |
| State Farm | $83 | $174 |
Cheapest Audi A6 Insurance by State
Overall, we found that the following are the top three cheapest car insurance providers in the state for an Audi A6:
- Auto-Owners: Most affordable in 11 states
- GEICO: Most affordable in nine states
- Travelers: Most affordable in seven states
You can filter to see who offers the most affordable auto insurance rates for your Audi A6.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Auto Owners | $59 |
How to Get the Best Cheap Audi A6 Insurance
Below, we analyze the top Audi A6 insurance discounts available:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Audi's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your Audi A6 will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Audi A6, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
A6 owners typically earn over $100,000 annually, with 75% being college-educated professionals and executives who qualify for some of the most substantial savings available in the luxury sedan market.
Here are five discounts that align with typical A6 owner characteristics:
- Professional/occupation discount (10% to 20% savings): With 75% of Audi buyers being college-educated professionals and many holding executive positions, you likely qualify for occupation-based discounts. Engineers, doctors, lawyers, executives, and other professionals often receive special rates that can decrease your annual premium.
- Bundling/multi-policy discount (15% to 25% savings): Luxury sedan buyers overwhelmingly own homes and maintain multiple insurance policies. With household incomes over $100,000, A6 owners typically bundle auto and homeowners insurance, unlocking substantial savings that can exceed $500 annually while simplifying policy management.
- Good driver/mature driver discount (10% to 20% savings): The median A6 buyer age falls in the 35 to 54 range, representing established professionals with clean driving records. This demographic consistently qualifies for good driver discounts, with many insurers offering additional mature driver rates for those 50 and older.
- Safety feature discount (5% to 15% savings): The A6 earned IIHS Top Safety Pick+ recognition for 2022 to 2023 model years and consistently receives NHTSA's five-star overall safety rating. Advanced driver assistance features like Audi pre sense and collision avoidance technology can help you avoid crashes and qualify for safety technology discounts.
- Multi-car discount (10% to 20% savings): Affluent households typically own multiple vehicles, and A6 owners often maintain a luxury sedan alongside SUVs or other premium cars. Adding your A6 to a multi-vehicle policy provides automatic savings on all covered vehicles, with larger fleets earning even greater discounts.
- 5
Consider alternative car insurance types
Audi A6 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Audi A6 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Audi A6 Insurance Cost: Bottom Line
Insuring an Audi A6 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Audi A6 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi A6.
What is the average cost of car insurance for an Audi A6?
The Audi A6's average annual insurance cost is $1,087 yearly for state minimum coverage and $2,116 for full coverage.
What company has the cheapest car insurance for an Audi A6?
A6 drivers can find the most affordable full coverage car insurance through GEICO at $142 monthly. For minimum coverage policies, GEICO also offers the cheapest rates for A6 owners at $65 per month.
Are Audi A6s expensive to insure?
No, Audi A6 insurance costs about the same compared to most cars. Out of 827 vehicles we track, the A6 ranks 381st for affordability. Among midsize luxury sedans, this model sits at 18th out of 47.
What factors affect insurance costs for Audi A6s?
Several factors increase your Audi A6 rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Audi-certified repair shops cost more.
How can I lower Audi A6 insurance costs?
Shop around with multiple insurers as rates vary for Audis, and consider usage-based insurance programs that track your driving habits. Take advantage of Audi's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi A6 Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate Audi A6 insurance costs.
Who We Based These Rates On
These Audi A6 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.