Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 23, 2020

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Things to remember...

  • Safety ratings between midsize luxury SUVs for the Audi and BMW are worth comparing
  • Insurance carriers use safety ratings to do rating comparisons
  • The IIHS, along with the HLDI, conduct research and analysis on policies

The market for midsize luxury SUVs is highly competitive. Companies like BMW and Audi continue to go toe to toe regarding the features that they offer, the safety capabilities, mileage, and overall luxury.

BMW and Audi, individually, are always compared regarding the safety ratings that each of them earns. You can easily be lulled into a false sense of security with a midsized luxury SUV.

When you are shopping for car insurance, these safety features are going to be taken into consideration.

The higher the rating for one company over the other, the likely the lower premium you’ll be paying for that particular type of vehicle. Insurers use these scores to come up with the rates charged for cars.

The Insurance Institutes for Highway Safety (IIHS) is an independent organization that aims to reduce the number of losses on the open road.

Working with this group is the Highway Loss Data Institute or HLDI. This unit uses studies of insurance data, looking at a human, as well as economic losses, to figure out which cars have the top safety ratings.

The goal of both groups is to assess safety in real life situations and should be relied upon by you, the consumer, as you shop for the cars, as well as buying auto insurance.

If you want to ensure the safety of your car, enter your ZIP code above and compare at least three to four policies to get the best auto insurance!

Models Used in the Ratings and Scores

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