Estimates, not quotes

Audi A4 vs Lexus ES Insurance Cost

The Audi A4 is cheaper to insure by about $25 a year for full coverage by our estimate ($1,565 vs. $1,590), and cheaper in 51 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 A4Lexus ESDifference
State minimum$535$545−$10
Standard (100/300/100)$780$790−$10
Full coverage$1,565$1,590−$25

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = A4 minus ES.

Why one costs more to insure

FactorAudi A4Lexus ES
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, Flex-fuelGasoline, Hybrid, Electric
HLDI collision (100 = avg)133121
HLDI comprehensive97108
HLDI property damage liability7978
HLDI bodily injury liability8692
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)12

Collision losses are the biggest swing factor: the Audi A4 has 12 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi A4.

A4 vs ES insurance by state

StateA4ESDifference
Alabama$1,380$1,410−$30
Alaska$1,385$1,405−$20
Arizona$1,625$1,660−$35
Arkansas$1,405$1,440−$35
California$1,580$1,585−$5
Colorado$1,760$1,815−$55
Connecticut$1,650$1,670−$20
Delaware$1,705$1,730−$25
District of Columbia$1,995$2,020−$25
Florida$2,155$2,190−$35
Georgia$1,895$1,925−$30
Hawaii$1,105$1,115−$10
Idaho$1,065$1,085−$20
Illinois$1,370$1,395−$25
Indiana$1,125$1,145−$20
Iowa$1,075$1,115−$40
Kansas$1,260$1,300−$40
Kentucky$1,305$1,335−$30
Louisiana$2,145$2,190−$45
Maine$1,010$1,030−$20
Maryland$1,745$1,775−$30
Massachusetts$1,555$1,570−$15
Michigan$1,725$1,750−$25
Minnesota$1,310$1,350−$40
Mississippi$1,505$1,540−$35
Missouri$1,420$1,460−$40
Montana$1,260$1,305−$45
Nebraska$1,265$1,305−$40
Nevada$1,745$1,765−$20
New Hampshire$1,135$1,150−$15
New Jersey$1,845$1,870−$25
New Mexico$1,410$1,440−$30
New York$2,060$2,095−$35
North Carolina$1,205$1,225−$20
North Dakota$1,025$1,060−$35
Ohio$1,130$1,150−$20
Oklahoma$1,420$1,465−$45
Oregon$1,375$1,400−$25
Pennsylvania$1,390$1,415−$25
Rhode Island$1,870$1,895−$25
South Carolina$1,630$1,670−$40
South Dakota$1,210$1,270−$60
Tennessee$1,320$1,345−$25
Texas$1,860$1,905−$45
Utah$1,400$1,420−$20
Vermont$1,050$1,070−$20
Virginia$1,345$1,370−$25
Washington$1,345$1,365−$20
West Virginia$1,320$1,355−$35
Wisconsin$1,075$1,105−$30
Wyoming$1,240$1,295−$55

By driver profile (full coverage)

DriverA4ES
Teen driver (18, own policy)$4,300$4,380
Young adult (22)$2,505$2,550
Adult in their 30s$1,565$1,590
Adult in their 50s$1,440$1,465
Senior (72)$1,750$1,785
30s, one at-fault accident$2,270$2,310
30s, DUI on record$2,895$2,945

More comparisons

Frequently asked questions

Is the Audi A4 or the Lexus ES cheaper to insure?

By our estimate the Audi A4 is cheaper, by about $25 a year for full coverage ($1,565 vs. $1,590) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi A4 and Lexus ES?

Mostly because of insurance-loss history: HLDI collision indices of 133 vs. 121 and comprehensive indices of 97 vs. 108 (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