Estimates, not quotes

Lexus IS vs Audi A6 Insurance Cost

The Lexus IS is cheaper to insure by about $25 a year for full coverage by our estimate ($1,835 vs. $1,860), and cheaper in 42 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 A6Difference
State minimum$560$570−$10
Standard (100/300/100)$815$830−$15
Full coverage$1,835$1,860−$25

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = IS minus A6.

Why one costs more to insure

FactorLexus ISAudi A6
SegmentLuxury carLuxury car
PowertrainsGasolineGasoline, Hybrid, Diesel
HLDI collision (100 = avg)158172
HLDI comprehensive150129
HLDI property damage liability8192
HLDI bodily injury liability97—
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 Audi A6 has 14 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi A6.

IS vs A6 insurance by state

StateISA6Difference
Alabama$1,645$1,665−$20
Alaska$1,620$1,655−$35
Arizona$1,910$1,930−$20
Arkansas$1,695$1,710−$15
California$1,840$1,900−$60
Colorado$2,120$2,110+$10
Connecticut$1,900$1,940−$40
Delaware$1,945$1,985−$40
District of Columbia$2,335$2,385−$50
Florida$2,445$2,490−$45
Georgia$2,175$2,210−$35
Hawaii$1,295$1,330−$35
Idaho$1,260$1,275−$15
Illinois$1,620$1,645−$25
Indiana$1,330$1,350−$20
Iowa$1,325$1,315+$10
Kansas$1,540$1,530+$10
Kentucky$1,535$1,550−$15
Louisiana$2,510$2,540−$30
Maine$1,200$1,220−$20
Maryland$2,030$2,065−$35
Massachusetts$1,810$1,855−$45
Michigan$2,020$2,065−$45
Minnesota$1,580$1,580—
Mississippi$1,800$1,810−$10
Missouri$1,700$1,710−$10
Montana$1,545$1,535+$10
Nebraska$1,545$1,535+$10
Nevada$1,970$2,015−$45
New Hampshire$1,335$1,360−$25
New Jersey$2,105$2,155−$50
New Mexico$1,670$1,690−$20
New York$2,370$2,415−$45
North Carolina$1,440$1,465−$25
North Dakota$1,275$1,265+$10
Ohio$1,340$1,360−$20
Oklahoma$1,720$1,725−$5
Oregon$1,585$1,610−$25
Pennsylvania$1,655$1,675−$20
Rhode Island$2,145$2,200−$55
South Carolina$1,895$1,915−$20
South Dakota$1,535$1,495+$40
Tennessee$1,570$1,595−$25
Texas$2,225$2,235−$10
Utah$1,610$1,640−$30
Vermont$1,260$1,280−$20
Virginia$1,580$1,605−$25
Washington$1,550$1,580−$30
West Virginia$1,595$1,600−$5
Wisconsin$1,295$1,300−$5
Wyoming$1,565$1,535+$30

By driver profile (full coverage)

DriverISA6
Teen driver (18, own policy)$5,045$5,120
Young adult (22)$2,935$2,980
Adult in their 30s$1,835$1,860
Adult in their 50s$1,685$1,715
Senior (72)$2,055$2,085
30s, one at-fault accident$2,660$2,700
30s, DUI on record$3,395$3,445

More comparisons

Frequently asked questions

Is the Lexus IS or the Audi A6 cheaper to insure?

By our estimate the Lexus IS is cheaper, by about $25 a year for full coverage ($1,835 vs. $1,860) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus IS and Audi A6?

Mostly because of insurance-loss history: HLDI collision indices of 158 vs. 172 and comprehensive indices of 150 vs. 129 (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