Audi Q5 Insurance Rates
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UPDATED: May 12, 2024
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How much does an Audi Q5 cost to insure? Average Audi Q5 insurance rates are $1,610 a year, or $134 a month, which is more expensive than most vehicles‘ rates.
Although 2016 Audi Q5 insurance costs may be different than 2018 or 2016 Audi Q5 insurance costs, rates should still be around $1,610. Read on to learn more about Audi Q5 average rates and how to save.
To find the cheapest Audi Q5 rates in your area, enter your ZIP code in our free tool above.
U.S. average insurance rates for an Audi Q5 are $1,250 a year for full coverage. Comprehensive costs around $228, collision costs $390, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,708. 16-year-old drivers pay the highest rates at $4,854 a year or more.
Average premium for full coverage: $1,250
Price estimates for individual coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Q5 models.
Price Range from Low to High
For the normal driver, Audi Q5 insurance prices go from the low end price of $522 for just liability coverage to the much higher price of $2,708 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.
The example below illustrates how geographic area affects auto insurance rates.
The ranges above show why everyone should compare prices for a specific zip code, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows estimated Audi Q5 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $731
- Using higher $1,000 deductibles will save about $140 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,250
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,522
- High-risk insureds with multiple tickets or accidents could pay at least $2,708 or more
- The price that insures a 16-year-old driver for full coverage can be $4,854 or more
Auto insurance prices for an Audi Q5 are also quite variable based on the model of your Q5, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Audi Q5 insurance for high-risk drivers can be from 43% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age
The state you live in has a huge impact on Audi Q5 insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Idaho, Maine, and Iowa, or at least $1,780 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,130 | -$120 | -9.6% |
| Alaska | $956 | -$294 | -23.5% |
| Arizona | $1,036 | -$214 | -17.1% |
| Arkansas | $1,250 | -$0 | 0.0% |
| California | $1,424 | $174 | 13.9% |
| Colorado | $1,194 | -$56 | -4.5% |
| Connecticut | $1,284 | $34 | 2.7% |
| Delaware | $1,416 | $166 | 13.3% |
| Florida | $1,564 | $314 | 25.1% |
| Georgia | $1,152 | -$98 | -7.8% |
| Hawaii | $898 | -$352 | -28.2% |
| Idaho | $844 | -$406 | -32.5% |
| Illinois | $930 | -$320 | -25.6% |
| Indiana | $940 | -$310 | -24.8% |
| Iowa | $844 | -$406 | -32.5% |
| Kansas | $1,188 | -$62 | -5.0% |
| Kentucky | $1,704 | $454 | 36.3% |
| Louisiana | $1,850 | $600 | 48.0% |
| Maine | $770 | -$480 | -38.4% |
| Maryland | $1,030 | -$220 | -17.6% |
| Massachusetts | $1,000 | -$250 | -20.0% |
| Michigan | $2,172 | $922 | 73.8% |
| Minnesota | $1,044 | -$206 | -16.5% |
| Mississippi | $1,496 | $246 | 19.7% |
| Missouri | $1,108 | -$142 | -11.4% |
| Montana | $1,342 | $92 | 7.4% |
| Nebraska | $986 | -$264 | -21.1% |
| Nevada | $1,500 | $250 | 20.0% |
| New Hampshire | $900 | -$350 | -28.0% |
| New Jersey | $1,396 | $146 | 11.7% |
| New Mexico | $1,108 | -$142 | -11.4% |
| New York | $1,316 | $66 | 5.3% |
| North Carolina | $720 | -$530 | -42.4% |
| North Dakota | $1,024 | -$226 | -18.1% |
| Ohio | $864 | -$386 | -30.9% |
| Oklahoma | $1,284 | $34 | 2.7% |
| Oregon | $1,144 | -$106 | -8.5% |
| Pennsylvania | $1,194 | -$56 | -4.5% |
| Rhode Island | $1,666 | $416 | 33.3% |
| South Carolina | $1,132 | -$118 | -9.4% |
| South Dakota | $1,056 | -$194 | -15.5% |
| Tennessee | $1,096 | -$154 | -12.3% |
| Texas | $1,506 | $256 | 20.5% |
| Utah | $924 | -$326 | -26.1% |
| Vermont | $856 | -$394 | -31.5% |
| Virginia | $748 | -$502 | -40.2% |
| Washington | $968 | -$282 | -22.6% |
| West Virginia | $1,144 | -$106 | -8.5% |
| Wisconsin | $866 | -$384 | -30.7% |
| Wyoming | $1,114 | -$136 | -10.9% |
Opting for high physical damage deductibles could cut prices by as much as $420 annually, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi Q5 3.2 Premium AWD | $1,226 | $102 |
| Audi Q5 3.2 Premium Plus AWD | $1,250 | $104 |
| Audi Q5 3.2 Premium Plus S-Line AWD | $1,250 | $104 |
| Audi Q5 3.2 Prestige AWD | $1,274 | $106 |
| Audi Q5 3.2 Prestige S-Line AWD | $1,300 | $108 |
Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi Q5 | $362 | $718 | $372 | $1,610 |
| 2023 Audi Q5 | $346 | $690 | $390 | $1,584 |
| 2022 Audi Q5 | $332 | $686 | $398 | $1,574 |
| 2021 Audi Q5 | $320 | $668 | $416 | $1,562 |
| 2020 Audi Q5 | $310 | $640 | $430 | $1,538 |
| 2019 Audi Q5 | $292 | $618 | $442 | $1,510 |
| 2018 Audi Q5 | $282 | $574 | $452 | $1,466 |
| 2017 Audi Q5 | $270 | $540 | $456 | $1,424 |
| 2016 Audi Q5 | $258 | $484 | $460 | $1,360 |
| 2015 Audi Q5 | $242 | $446 | $460 | $1,306 |
| 2014 Audi Q5 | $234 | $418 | $464 | $1,274 |
| 2013 Audi Q5 | $228 | $390 | $474 | $1,250 |
| 2012 Audi Q5 | $210 | $362 | $474 | $1,204 |
| 2011 Audi Q5 | $206 | $328 | $478 | $1,170 |
| 2010 Audi Q5 | $192 | $300 | $474 | $1,124 |
Rates are averaged for all Audi Q5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Audi Q5 Insurance
Getting lower rates on insurance for an Audi Q5 requires avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop at least every other year by requesting quotes from direct carriers, and also from several local insurance agents.
The list below is a review of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,460 more every year for car insurance
- Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $400 each year
- Insureds who may need higher liability limits will pay around $520 each year to increase from a low limit to the 250/500 level
To save on the average insurance cost for an Audi Q5, make sure to take the time to shop for rates so you have an Audi Q5 comparison chart of Audi rates.
To find the average price of an Audi Q5 in your area, use our free rate comparison tool below.
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What are the safety ratings of the Audi Q5?
Is an Audi Q5 a reliable SUV? Insurers care about Audi Q5 safety ratings and reliability when they calculate Audi Q5 average prices. Some of the Audi Q5’s safety features include brake assist, blind-spot monitor, auto-leveling headlights, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) has also crash-tested and rated the Audi Q5. Take a look at the final ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating, so the Audi Q5 did great. Watch the video below to see one of the Audi Q5’s crash tests.
Audi Q5 Compared Against Other Vehicles in the Same Class
Classified as a midsize luxury SUV, the IIHS rated the Audi Q5’s liability losses as substantially better than average. This is good, as it means the liability rates for the Q5 should be better than average.
To see how much does a Q5 cost to insure in comparison to other midsize SUVs, take a look at the vehicles below.
To find savings for a Q5 in your area, enter your ZIP code in our free rate comparison tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,854 |
| 20 | $2,884 |
| 30 | $1,288 |
| 40 | $1,250 |
| 50 | $1,144 |
| 60 | $1,122 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,522 |
| $250 | $1,396 |
| $500 | $1,250 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,250 |
| 50/100 | $1,395 |
| 100/300 | $1,513 |
| 250/500 | $1,821 |
| 100 CSL | $1,442 |
| 300 CSL | $1,703 |
| 500 CSL | $1,893 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,892 |
| 20 | $4,600 |
| 30 | $2,750 |
| 40 | $2,708 |
| 50 | $2,588 |
| 60 | $2,564 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $87 |
| Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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