Estimates, not quotes

Audi S5 vs Lucid Air Insurance Cost

The Audi S5 is cheaper to insure by about $995 a year for full coverage by our estimate ($1,830 vs. $2,825), 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 S5Lucid AirDifference
State minimum$480$675−$195
Standard (100/300/100)$695$980−$285
Full coverage$1,830$2,825−$995

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = S5 minus Air.

Why one costs more to insure

FactorAudi S5Lucid Air
SegmentLuxury carLuxury car
PowertrainsGasolineElectric
HLDI collision (100 = avg)177361
HLDI comprehensive145—
HLDI property damage liability65120
HLDI bodily injury liability——
NHTSA overall rating—5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)27

Collision losses are the biggest swing factor: the Lucid Air has 184 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

S5 vs Air insurance by state

StateS5AirDifference
Alabama$1,660$2,575−$915
Alaska$1,630$2,580−$950
Arizona$1,890$2,855−$965
Arkansas$1,725$2,640−$915
California$1,880$3,080−$1,200
Colorado$2,105$3,035−$930
Connecticut$1,875$2,945−$1,070
Delaware$1,895$2,920−$1,025
District of Columbia$2,355$3,725−$1,370
Florida$2,355$3,570−$1,215
Georgia$2,120$3,250−$1,130
Hawaii$1,320$2,150−$830
Idaho$1,260$1,940−$680
Illinois$1,630$2,535−$905
Indiana$1,340$2,075−$735
Iowa$1,345$1,955−$610
Kansas$1,550$2,255−$705
Kentucky$1,520$2,310−$790
Louisiana$2,485$3,780−$1,295
Maine$1,210$1,895−$685
Maryland$2,015$3,140−$1,125
Massachusetts$1,825$2,900−$1,075
Michigan$2,035$3,215−$1,180
Minnesota$1,585$2,330−$745
Mississippi$1,810$2,725−$915
Missouri$1,705$2,545−$840
Montana$1,560$2,250−$690
Nebraska$1,555$2,270−$715
Nevada$1,905$2,965−$1,060
New Hampshire$1,350$2,140−$790
New Jersey$2,060$3,215−$1,155
New Mexico$1,675$2,550−$875
New York$2,320$3,585−$1,265
North Carolina$1,475$2,325−$850
North Dakota$1,300$1,905−$605
Ohio$1,350$2,095−$745
Oklahoma$1,735$2,585−$850
Oregon$1,550$2,380−$830
Pennsylvania$1,675$2,610−$935
Rhode Island$2,120$3,335−$1,215
South Carolina$1,850$2,775−$925
South Dakota$1,555$2,135−$580
Tennessee$1,595$2,475−$880
Texas$2,230$3,335−$1,105
Utah$1,580$2,450−$870
Vermont$1,290$2,030−$740
Virginia$1,580$2,445−$865
Washington$1,525$2,375−$850
West Virginia$1,615$2,420−$805
Wisconsin$1,300$1,945−$645
Wyoming$1,590$2,230−$640

By driver profile (full coverage)

DriverS5Air
Teen driver (18, own policy)$5,030$7,765
Young adult (22)$2,925$4,520
Adult in their 30s$1,830$2,825
Adult in their 50s$1,685$2,600
Senior (72)$2,050$3,165
30s, one at-fault accident$2,655$4,095
30s, DUI on record$3,385$5,225

More comparisons

Frequently asked questions

Is the Audi S5 or the Lucid Air cheaper to insure?

By our estimate the Audi S5 is cheaper, by about $995 a year for full coverage ($1,830 vs. $2,825) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi S5 and Lucid Air?

Mostly because of insurance-loss history: HLDI collision indices of 177 vs. 361 and comprehensive indices of 145 vs. n/a (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