Estimates, not quotes

Lexus ES vs Audi S3 Insurance Cost

The Audi S3 is cheaper to insure by about $70 a year for full coverage by our estimate ($1,590 vs. $1,520), 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

CoverageLexus ESAudi S3Difference
State minimum$545$485+$60
Standard (100/300/100)$790$705+$85
Full coverage$1,590$1,520+$70

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = ES minus S3.

Why one costs more to insure

FactorLexus ESAudi S3
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, ElectricGasoline, Hybrid
HLDI collision (100 = avg)121122
HLDI comprehensive10895
HLDI property damage liability7867
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 Audi S3 has 1 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi S3.

ES vs S3 insurance by state

StateESS3Difference
Alabama$1,410$1,355+$55
Alaska$1,405$1,350+$55
Arizona$1,660$1,580+$80
Arkansas$1,440$1,390+$50
California$1,585$1,540+$45
Colorado$1,815$1,725+$90
Connecticut$1,670$1,590+$80
Delaware$1,730$1,635+$95
District of Columbia$2,020$1,945+$75
Florida$2,190$2,055+$135
Georgia$1,925$1,820+$105
Hawaii$1,115$1,080+$35
Idaho$1,085$1,040+$45
Illinois$1,395$1,340+$55
Indiana$1,145$1,100+$45
Iowa$1,115$1,070+$45
Kansas$1,300$1,245+$55
Kentucky$1,335$1,270+$65
Louisiana$2,190$2,080+$110
Maine$1,030$990+$40
Maryland$1,775$1,690+$85
Massachusetts$1,570$1,510+$60
Michigan$1,750$1,680+$70
Minnesota$1,350$1,290+$60
Mississippi$1,540$1,475+$65
Missouri$1,460$1,395+$65
Montana$1,305$1,250+$55
Nebraska$1,305$1,250+$55
Nevada$1,765$1,660+$105
New Hampshire$1,150$1,110+$40
New Jersey$1,870$1,770+$100
New Mexico$1,440$1,380+$60
New York$2,095$1,985+$110
North Carolina$1,225$1,185+$40
North Dakota$1,060$1,025+$35
Ohio$1,150$1,105+$45
Oklahoma$1,465$1,405+$60
Oregon$1,400$1,325+$75
Pennsylvania$1,415$1,365+$50
Rhode Island$1,895$1,800+$95
South Carolina$1,670$1,575+$95
South Dakota$1,270$1,215+$55
Tennessee$1,345$1,295+$50
Texas$1,905$1,825+$80
Utah$1,420$1,345+$75
Vermont$1,070$1,035+$35
Virginia$1,370$1,310+$60
Washington$1,365$1,295+$70
West Virginia$1,355$1,305+$50
Wisconsin$1,105$1,060+$45
Wyoming$1,295$1,245+$50

By driver profile (full coverage)

DriverESS3
Teen driver (18, own policy)$4,380$4,185
Young adult (22)$2,550$2,435
Adult in their 30s$1,590$1,520
Adult in their 50s$1,465$1,400
Senior (72)$1,785$1,705
30s, one at-fault accident$2,310$2,205
30s, DUI on record$2,945$2,815

More comparisons

Frequently asked questions

Is the Lexus ES or the Audi S3 cheaper to insure?

By our estimate the Audi S3 is cheaper, by about $70 a year for full coverage ($1,590 vs. $1,520) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus ES and Audi S3?

Mostly because of insurance-loss history: HLDI collision indices of 121 vs. 122 and comprehensive indices of 108 vs. 95 (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