Audi A5 Insurance Rates

When the time comes to figure out how much Audi A5 insurance costs, you might be left with more questions than answers. In order to streamline your search for a quality provider and help you determine if you should have full coverage or liability alone, we have prepared this in-depth guide.

This article will inform you about average insurance rates for the Audi A5, how the size and class of the vehicle play a factor, what liability insurance costs for the Audi A5, its safety features, MSRP value, and repair estimates.

By the time you have finished reading through this piece, you will be better equipped to find the right insurance provider for a good rate. In fact, you can start comparing quotes right now by taking advantage of our free online quote tool.

Estimated insurance prices for an Audi A5 are $1,070 every 12 months for full coverage. Comprehensive insurance costs approximately $206, collision costs $326, and liability coverage costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing $2,312 or more. 16-year-old drivers pay the most at $4,124 a year or more.

Average premium for full coverage: $1,070

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all A5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences show why everyone should compare rates using their specific location and their own driving history, rather than using rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below shows estimated Audi A5 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $629
• Drivers who choose higher $1,000 deductibles will pay $122 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,070
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $234 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,312 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost $4,124 a year

View Chart as Image

Insurance prices for an Audi A5 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your A5.

Opting for high physical damage deductibles could save up to $360 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,300 to $1,800 additional annually, depending on your age. Audi A5 insurance for high-risk drivers can cost around 44% to 135% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Audi A5 insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Iowa, Maine, and Idaho, or at least $1,530 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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.

How to Shop for the Cheapest Audi A5 Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a recap of the ideas that were presented in the illustrations above.

• Teen drivers are the costliest to insure, as much as $344 per month if full coverage is included
• Drivers that have major violations or accidents may pay on average $1,240 more per year to insure their A5
• Increasing policy deductibles could save as much as $350 each year
• Drivers can save around $130 per year simply by quoting online well ahead of the renewal date

Now that we have gone into detail about what average Audi A5 insurance rates look like based on age, location, and driving history, you might be curious about other contributing factors that determine rates.

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How does the size and class of the Audi A5 affect liability rates?

The Insurance Institute for Highway Safety (IIHS) classifies the Audi A5 as a midsize luxury car. This is important to know because the size of the vehicle you drive ultimately determines how much money you will pay for the most basic form of coverage, which is called auto liability insurance.

Insurance providers will take the size and class of the Audi A5 into consideration when providing you with a quote. They do this because some vehicles are generally safer than others due to their structural design and curb weight.

As a midsize luxury car, the Audi A5 is comparable to models like the Acura TLX or Lincoln MKZ. Liability rates for the Audi A5 are affected by the loss percentages for each model in the class.

The IIHS reports that the Audi A5 has a property damage loss percentage of -49 percent, which is considered highly favorable among the vehicle class. As of the writing of this article, loss ratio data for bodily injury liability was not available.

What does liability insurance cost for an Audi A5?

Now that we know how liability rates are calculated, you are likely curious to know what the actual rates might be based on the level of coverage you want to have.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Audi A5 as an itemized cost on your insurance policy.

• Low ($25,000): $101.43
• Medium ($50,000): $121.53
• High ($100,000): $132.48

While bodily injury liability will pay for the opposing driver’s medical expenses, you will still need to have coverage for any damage you are responsible for causing to their car. That’s where property damage liability insurance comes into play.

Take a look at the following general property damage liability quotes for the Audi A5 based on low to high coverage.

• Low ($25,000): $107.27
• Medium ($50,000): $104.95
• High ($100,000): $107.65

It’s interesting to note that both forms of liability insurance for the Audi A5 fluctuate at a minimal level. Therefore, if you are on the fence between low or high coverage, it won’t impact your wallet too much if you decide to play it safe.

What are the safety features and ratings of the Audi A5?

Luxury automakers like Audi have earned a reputation for including a lot of safety features in their vehicles. Having these equipped in the car you drive often leads to better safety ratings and a more favorable insurance rate.

Take a look at the following list of safety features for the 2020 Audi A5 sourced from AutoBlog.com.

• Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
• Stability Control – This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
• Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
• Side-Impact Airbags – This feature protects the torso area of the driver and passengers during a side-impact collision.
• Knee Airbags – When deployed, these airbags protect the lower extremities of the driver and passengers inside the Audi A5. 
• Anti-Whiplash – These head restraints actively react to rear collision forces and cradle the occupants’ head in an effort to reduce the likelihood of a whiplash injury.
• Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.
• Anti-Theft Security – This technology anticipates and detects unwanted vehicle intrusion. The vehicle is equipped with an ignition-disable device that will prevent the engine from starting if the correct original manufacturer key is not used.

These safety features go a long way in the event of a collision. However, it’s important to know the fatality statistics for other vehicles like the Audi A5 so you have a full understanding of how this vehicle class compares to the national average.

The IIHS reports that out of 9,736,590 registered midsize cars, a total of 396 road fatalities have been reported for this vehicle class. Broken down, that is a fatality rate of 41 per one million registered people who drive a model like the Audi A5.

Additionally, the impact point of a crash also plays a factor in how fatal an accident can truly be. The following statistics show how many deaths occurred based on where the crash originated.

• Frontal Impact: 7,433 deaths  
• Side Impact: 3,568 deaths 
• Rear Impact: 834 deaths
• Other (mostly rollovers): 1,303 deaths

Driving is unpredictable in nature, but having knowledge about what can go wrong will only serve to benefit you in the long run. Beyond educating yourself, having the right auto insurance policy is the next step to take to enjoy peace of mind every time you get behind the wheel of your Audi A5. 

What is the MSRP of the Audi A5?

The current value of the vehicle you drive is directly tied to the amount of money you can expect to pay for insurance.

As of the writing of this article, Kelley Blue Book (KBB) reports that the MSRP value of a 2019 Audi A5 Premium is $45,195 with a fair market value between $36,997 and $41,498.

If you decide to buy instead of lease a new Audi A5, one thing you might want to consider is getting full coverage. A lot of drivers do this because liability insurance will not pay for any damages sustained to your vehicle. 

Two types of coverage you can get to protect your car are collision and comprehensive insurance.

• Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
• Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

When it comes to loss percentages, the Audi A5 has a collision loss percentage of 58 percent and a comprehensive loss percentage of 41 percent. This is considered above average for the vehicle class.

How much will it cost to repair my Audi A5?

One thing that all car-owners have in common is vehicle maintenance. Even though luxury vehicles like the Audi A5 are built to last, you still have to pay for general upkeep and repairs.

Experts from RepairPal estimate that the annual cost of repairs for the Audi A5 is $798 per year. This includes everything from oil changes and tire rotations to major work that is needed following an accident.

Speaking of which, if you ever found yourself in a situation where you have to pay to repair a certain part of the vehicle, the following estimates come courtesy of Instant Estimator:

• Front Bumper: $412.60
• Rear Bumper: $422.60
• Hood: $377.00
• Roof: $426.60
• Front Door: $389.20
• Back Door: $377.80
• Fender: $327.40
• Quarter Panel: $352.20

To this point, we have gone into great detail about Audi A5 insurance and with a little luck, we’ve answered the question, “How much is insurance for an Audi A5?” 

However, we still recognize that we might have missed something so we are curious to know, is there anything else you’d like to see us expand upon?

If not, enter your five-digit ZIP code in our online tool to start comparing quotes for free from the industry’s top insurance providers.