Estimates, not quotes

Lexus IS vs Audi A5 Insurance Cost

The Audi A5 is cheaper to insure by about $100 a year for full coverage by our estimate ($1,835 vs. $1,735), 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 ISAudi A5Difference
State minimum$560$515+$45
Standard (100/300/100)$815$745+$70
Full coverage$1,835$1,735+$100

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = IS minus A5.

Why one costs more to insure

FactorLexus ISAudi A5
SegmentLuxury carLuxury car
PowertrainsGasolineGasoline, Hybrid, Flex-fuel
HLDI collision (100 = avg)158154
HLDI comprehensive150119
HLDI property damage liability8176
HLDI bodily injury liability9776
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)02

Collision losses are the biggest swing factor: the Lexus IS has 4 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi A5.

IS vs A5 insurance by state

StateISA5Difference
Alabama$1,645$1,555+$90
Alaska$1,620$1,545+$75
Arizona$1,910$1,795+$115
Arkansas$1,695$1,600+$95
California$1,840$1,770+$70
Colorado$2,120$1,975+$145
Connecticut$1,900$1,800+$100
Delaware$1,945$1,835+$110
District of Columbia$2,335$2,225+$110
Florida$2,445$2,295+$150
Georgia$2,175$2,050+$125
Hawaii$1,295$1,245+$50
Idaho$1,260$1,190+$70
Illinois$1,620$1,535+$85
Indiana$1,330$1,260+$70
Iowa$1,325$1,240+$85
Kansas$1,540$1,435+$105
Kentucky$1,535$1,445+$90
Louisiana$2,510$2,365+$145
Maine$1,200$1,140+$60
Maryland$2,030$1,920+$110
Massachusetts$1,810$1,725+$85
Michigan$2,020$1,925+$95
Minnesota$1,580$1,480+$100
Mississippi$1,800$1,695+$105
Missouri$1,700$1,600+$100
Montana$1,545$1,440+$105
Nebraska$1,545$1,440+$105
Nevada$1,970$1,860+$110
New Hampshire$1,335$1,270+$65
New Jersey$2,105$1,995+$110
New Mexico$1,670$1,575+$95
New York$2,370$2,235+$135
North Carolina$1,440$1,370+$70
North Dakota$1,275$1,195+$80
Ohio$1,340$1,270+$70
Oklahoma$1,720$1,615+$105
Oregon$1,585$1,490+$95
Pennsylvania$1,655$1,570+$85
Rhode Island$2,145$2,035+$110
South Carolina$1,895$1,775+$120
South Dakota$1,535$1,415+$120
Tennessee$1,570$1,490+$80
Texas$2,225$2,090+$135
Utah$1,610$1,520+$90
Vermont$1,260$1,200+$60
Virginia$1,580$1,495+$85
Washington$1,550$1,465+$85
West Virginia$1,595$1,500+$95
Wisconsin$1,295$1,215+$80
Wyoming$1,565$1,450+$115

By driver profile (full coverage)

DriverISA5
Teen driver (18, own policy)$5,045$4,770
Young adult (22)$2,935$2,775
Adult in their 30s$1,835$1,735
Adult in their 50s$1,685$1,595
Senior (72)$2,055$1,940
30s, one at-fault accident$2,660$2,515
30s, DUI on record$3,395$3,210

More comparisons

Frequently asked questions

Is the Lexus IS or the Audi A5 cheaper to insure?

By our estimate the Audi A5 is cheaper, by about $100 a year for full coverage ($1,835 vs. $1,735) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus IS and Audi A5?

Mostly because of insurance-loss history: HLDI collision indices of 158 vs. 154 and comprehensive indices of 150 vs. 119 (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