Estimates, not quotes

Lexus ES vs Audi A3 Insurance Cost

The Lexus ES is cheaper to insure by about $25 a year for full coverage by our estimate ($1,590 vs. $1,615), and cheaper in 33 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

CoverageLexus ESAudi A3Difference
State minimum$545$595−$50
Standard (100/300/100)$790$860−$70
Full coverage$1,590$1,615−$25

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = ES minus A3.

Why one costs more to insure

FactorLexus ESAudi A3
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, ElectricGasoline, Hybrid, Plug-in hybrid, Diesel
HLDI collision (100 = avg)121118
HLDI comprehensive10873
HLDI property damage liability7896
HLDI bodily injury liability92—
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)20

Collision losses are the biggest swing factor: the Lexus ES has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi A3.

ES vs A3 insurance by state

StateESA3Difference
Alabama$1,410$1,415−$5
Alaska$1,405$1,430−$25
Arizona$1,660$1,680−$20
Arkansas$1,440$1,430+$10
California$1,585$1,630−$45
Colorado$1,815$1,795+$20
Connecticut$1,670$1,720−$50
Delaware$1,730$1,785−$55
District of Columbia$2,020$2,060−$40
Florida$2,190$2,270−$80
Georgia$1,925$1,980−$55
Hawaii$1,115$1,145−$30
Idaho$1,085$1,100−$15
Illinois$1,395$1,410−$15
Indiana$1,145$1,155−$10
Iowa$1,115$1,085+$30
Kansas$1,300$1,270+$30
Kentucky$1,335$1,350−$15
Louisiana$2,190$2,220−$30
Maine$1,030$1,040−$10
Maryland$1,775$1,815−$40
Massachusetts$1,570$1,610−$40
Michigan$1,750$1,780−$30
Minnesota$1,350$1,330+$20
Mississippi$1,540$1,535+$5
Missouri$1,460$1,455+$5
Montana$1,305$1,265+$40
Nebraska$1,305$1,275+$30
Nevada$1,765$1,840−$75
New Hampshire$1,150$1,165−$15
New Jersey$1,870$1,940−$70
New Mexico$1,440$1,445−$5
New York$2,095$2,155−$60
North Carolina$1,225$1,225—
North Dakota$1,060$1,025+$35
Ohio$1,150$1,160−$10
Oklahoma$1,465$1,445+$20
Oregon$1,400$1,440−$40
Pennsylvania$1,415$1,425−$10
Rhode Island$1,895$1,955−$60
South Carolina$1,670$1,700−$30
South Dakota$1,270$1,195+$75
Tennessee$1,345$1,355−$10
Texas$1,905$1,900+$5
Utah$1,420$1,460−$40
Vermont$1,070$1,070—
Virginia$1,370$1,390−$20
Washington$1,365$1,405−$40
West Virginia$1,355$1,345+$10
Wisconsin$1,105$1,095+$10
Wyoming$1,295$1,230+$65

By driver profile (full coverage)

DriverESA3
Teen driver (18, own policy)$4,380$4,445
Young adult (22)$2,550$2,585
Adult in their 30s$1,590$1,615
Adult in their 50s$1,465$1,485
Senior (72)$1,785$1,810
30s, one at-fault accident$2,310$2,345
30s, DUI on record$2,945$2,990

More comparisons

Frequently asked questions

Is the Lexus ES or the Audi A3 cheaper to insure?

By our estimate the Lexus ES is cheaper, by about $25 a year for full coverage ($1,590 vs. $1,615) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus ES and Audi A3?

Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 118 and comprehensive indices of 108 vs. 73 (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