Audi S4 vs Lexus LS Insurance Cost
The Audi S4 is cheaper to insure by about $205 a year for full coverage by our estimate ($2,020 vs. $2,225), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Audi S4 | Lexus LS | Difference |
|---|---|---|---|
| State minimum | $695 | $715 | −$20 |
| Standard (100/300/100) | $1,005 | $1,040 | −$35 |
| Full coverage | $2,020 | $2,225 | −$205 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = S4 minus LS.
Why one costs more to insure
| Factor | Audi S4 | Lexus LS |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 177 | 214 |
| HLDI comprehensive | 137 | 127 |
| HLDI property damage liability | 123 | 129 |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 0 | 3 |
Collision losses are the biggest swing factor: the Lexus LS has 37 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Lexus LS.
S4 vs LS insurance by state
By driver profile (full coverage)
| Driver | S4 | LS |
|---|---|---|
| Teen driver (18, own policy) | $5,560 | $6,120 |
| Young adult (22) | $3,235 | $3,560 |
| Adult in their 30s | $2,020 | $2,225 |
| Adult in their 50s | $1,860 | $2,045 |
| Senior (72) | $2,265 | $2,490 |
| 30s, one at-fault accident | $2,935 | $3,225 |
| 30s, DUI on record | $3,740 | $4,115 |
More comparisons
Frequently asked questions
Is the Audi S4 or the Lexus LS cheaper to insure?
By our estimate the Audi S4 is cheaper, by about $205 a year for full coverage ($2,020 vs. $2,225) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Audi S4 and Lexus LS?
Mostly because of insurance-loss history: HLDI collision indices of 177 vs. 214 and comprehensive indices of 137 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.