Lexus IS vs Audi S5 Insurance Cost

The Audi S5 is cheaper to insure by about $5 a year for full coverage by our estimate ($1,835 vs. $1,830), and cheaper in 19 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

Coverage	Lexus IS	Audi S5	Difference
State minimum	$560	$480	+$80
Standard (100/300/100)	$815	$695	+$120
Full coverage	$1,835	$1,830	+$5

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

Why one costs more to insure

Factor	Lexus IS	Audi S5
Segment	Luxury car	Luxury car
Powertrains	Gasoline	Gasoline
HLDI collision (100 = avg)	158	177
HLDI comprehensive	150	145
HLDI property damage liability	81	65
HLDI bodily injury liability	97	—
NHTSA overall rating	5★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	0	2

Collision losses are the biggest swing factor: the Audi S5 has 19 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

IS vs S5 insurance by state

State	IS	S5	Difference
Alabama	$1,645	$1,660	−$15
Alaska	$1,620	$1,630	−$10
Arizona	$1,910	$1,890	+$20
Arkansas	$1,695	$1,725	−$30
California	$1,840	$1,880	−$40
Colorado	$2,120	$2,105	+$15
Connecticut	$1,900	$1,875	+$25
Delaware	$1,945	$1,895	+$50
District of Columbia	$2,335	$2,355	−$20
Florida	$2,445	$2,355	+$90
Georgia	$2,175	$2,120	+$55
Hawaii	$1,295	$1,320	−$25
Idaho	$1,260	$1,260	—
Illinois	$1,620	$1,630	−$10
Indiana	$1,330	$1,340	−$10
Iowa	$1,325	$1,345	−$20
Kansas	$1,540	$1,550	−$10
Kentucky	$1,535	$1,520	+$15
Louisiana	$2,510	$2,485	+$25
Maine	$1,200	$1,210	−$10
Maryland	$2,030	$2,015	+$15
Massachusetts	$1,810	$1,825	−$15
Michigan	$2,020	$2,035	−$15
Minnesota	$1,580	$1,585	−$5
Mississippi	$1,800	$1,810	−$10
Missouri	$1,700	$1,705	−$5
Montana	$1,545	$1,560	−$15
Nebraska	$1,545	$1,555	−$10
Nevada	$1,970	$1,905	+$65
New Hampshire	$1,335	$1,350	−$15
New Jersey	$2,105	$2,060	+$45
New Mexico	$1,670	$1,675	−$5
New York	$2,370	$2,320	+$50
North Carolina	$1,440	$1,475	−$35
North Dakota	$1,275	$1,300	−$25
Ohio	$1,340	$1,350	−$10
Oklahoma	$1,720	$1,735	−$15
Oregon	$1,585	$1,550	+$35
Pennsylvania	$1,655	$1,675	−$20
Rhode Island	$2,145	$2,120	+$25
South Carolina	$1,895	$1,850	+$45
South Dakota	$1,535	$1,555	−$20
Tennessee	$1,570	$1,595	−$25
Texas	$2,225	$2,230	−$5
Utah	$1,610	$1,580	+$30
Vermont	$1,260	$1,290	−$30
Virginia	$1,580	$1,580	—
Washington	$1,550	$1,525	+$25
West Virginia	$1,595	$1,615	−$20
Wisconsin	$1,295	$1,300	−$5
Wyoming	$1,565	$1,590	−$25

By driver profile (full coverage)

Driver	IS	S5
Teen driver (18, own policy)	$5,045	$5,030
Young adult (22)	$2,935	$2,925
Adult in their 30s	$1,835	$1,830
Adult in their 50s	$1,685	$1,685
Senior (72)	$2,055	$2,050
30s, one at-fault accident	$2,660	$2,655
30s, DUI on record	$3,395	$3,385

More comparisons

Frequently asked questions

Is the Lexus IS or the Audi S5 cheaper to insure?

By our estimate the Audi S5 is cheaper, by about $5 a year for full coverage ($1,835 vs. $1,830) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Lexus IS and Audi S5?

Mostly because of insurance-loss history: HLDI collision indices of 158 vs. 177 and comprehensive indices of 150 vs. 145 (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