Estimates, not quotes

Audi Q5 vs Lexus RX Insurance Cost

The Lexus RX is cheaper to insure by about $55 a year for full coverage by our estimate ($1,500 vs. $1,445), 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 Q5Lexus RXDifference
State minimum$490$485+$5
Standard (100/300/100)$710$705+$5
Full coverage$1,500$1,445+$55

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Q5 minus RX.

Why one costs more to insure

FactorAudi Q5Lexus RX
SegmentLuxury SUVLuxury SUV
PowertrainsGasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuelGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)119111
HLDI comprehensive10597
HLDI property damage liability7665
HLDI bodily injury liability6675
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)56

Collision losses are the biggest swing factor: the Audi Q5 has 8 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Q5 vs RX insurance by state

StateQ5RXDifference
Alabama$1,330$1,285+$45
Alaska$1,325$1,275+$50
Arizona$1,560$1,505+$55
Arkansas$1,365$1,310+$55
California$1,500$1,445+$55
Colorado$1,715$1,650+$65
Connecticut$1,565$1,515+$50
Delaware$1,610$1,565+$45
District of Columbia$1,905$1,840+$65
Florida$2,035$1,980+$55
Georgia$1,795$1,745+$50
Hawaii$1,055$1,015+$40
Idaho$1,025$990+$35
Illinois$1,315$1,270+$45
Indiana$1,080$1,040+$40
Iowa$1,060$1,015+$45
Kansas$1,235$1,185+$50
Kentucky$1,255$1,210+$45
Louisiana$2,055$1,985+$70
Maine$975$935+$40
Maryland$1,665$1,610+$55
Massachusetts$1,480$1,430+$50
Michigan$1,650$1,590+$60
Minnesota$1,275$1,230+$45
Mississippi$1,455$1,405+$50
Missouri$1,380$1,330+$50
Montana$1,240$1,190+$50
Nebraska$1,240$1,190+$50
Nevada$1,640$1,595+$45
New Hampshire$1,085$1,045+$40
New Jersey$1,745$1,695+$50
New Mexico$1,360$1,310+$50
New York$1,955$1,895+$60
North Carolina$1,160$1,115+$45
North Dakota$1,015$970+$45
Ohio$1,085$1,050+$35
Oklahoma$1,385$1,335+$50
Oregon$1,305$1,265+$40
Pennsylvania$1,340$1,290+$50
Rhode Island$1,770$1,715+$55
South Carolina$1,560$1,510+$50
South Dakota$1,215$1,160+$55
Tennessee$1,275$1,225+$50
Texas$1,800$1,735+$65
Utah$1,325$1,285+$40
Vermont$1,015$975+$40
Virginia$1,290$1,245+$45
Washington$1,275$1,235+$40
West Virginia$1,285$1,235+$50
Wisconsin$1,045$1,005+$40
Wyoming$1,240$1,185+$55

By driver profile (full coverage)

DriverQ5RX
Teen driver (18, own policy)$4,120$3,980
Young adult (22)$2,395$2,315
Adult in their 30s$1,500$1,445
Adult in their 50s$1,380$1,330
Senior (72)$1,680$1,620
30s, one at-fault accident$2,170$2,100
30s, DUI on record$2,770$2,675

More comparisons

Frequently asked questions

Is the Audi Q5 or the Lexus RX cheaper to insure?

By our estimate the Lexus RX is cheaper, by about $55 a year for full coverage ($1,500 vs. $1,445) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi Q5 and Lexus RX?

Mostly because of insurance-loss history: HLDI collision indices of 119 vs. 111 and comprehensive indices of 105 vs. 97 (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