Audi A6 vs Lexus LS Insurance Cost
The Audi A6 is cheaper to insure by about $365 a year for full coverage by our estimate ($1,860 vs. $2,225), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Audi A6 | Lexus LS | Difference |
|---|---|---|---|
| State minimum | $570 | $715 | −$145 |
| Standard (100/300/100) | $830 | $1,040 | −$210 |
| Full coverage | $1,860 | $2,225 | −$365 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = A6 minus LS.
Why one costs more to insure
| Factor | Audi A6 | Lexus LS |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Hybrid, Diesel | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 172 | 214 |
| HLDI comprehensive | 129 | 127 |
| HLDI property damage liability | 92 | 129 |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | 5★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 2 | 3 |
Collision losses are the biggest swing factor: the Lexus LS has 42 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
A6 vs LS insurance by state
By driver profile (full coverage)
| Driver | A6 | LS |
|---|---|---|
| Teen driver (18, own policy) | $5,120 | $6,120 |
| Young adult (22) | $2,980 | $3,560 |
| Adult in their 30s | $1,860 | $2,225 |
| Adult in their 50s | $1,715 | $2,045 |
| Senior (72) | $2,085 | $2,490 |
| 30s, one at-fault accident | $2,700 | $3,225 |
| 30s, DUI on record | $3,445 | $4,115 |
More comparisons
Frequently asked questions
Is the Audi A6 or the Lexus LS cheaper to insure?
By our estimate the Audi A6 is cheaper, by about $365 a year for full coverage ($1,860 vs. $2,225) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Audi A6 and Lexus LS?
Mostly because of insurance-loss history: HLDI collision indices of 172 vs. 214 and comprehensive indices of 129 vs. 127 (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.