Audi S5 Insurance Rates

How much is insurance on an Audi S5? Audi S5 insurance rates are expensive. The average cost of Audi S5 full coverage is $1,814 a year, or $151 a month. If these high rates make you wince, don’t worry.

Our comprehensive guide dissects Audi S5 insurance costs to help you save. From driving records to Audi S5 crash tests, it is all covered here. Read on.

Want to jump right into comparing Audi S5 insurance rates? Enter your ZIP code in our free tool above.

The average insurance prices for an Audi S5 are $1,240 every 12 months with full coverage. Comprehensive insurance costs an estimated $228, collision costs $380, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,682 or more. Teenage drivers cost the most to insure at $4,812 a year or more.

Average premium for full coverage: $1,240

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different S5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates how where you live affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

Additional Charts and Tables

The chart below details estimated Audi S5 insurance rates for other coverage scenarios.

• The best discount rate is $726
• Raising to $1,000 deductibles will save approximately $140 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,240
• Using more expensive low deductibles costs an extra $266 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,682 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $4,812

View Chart as Image

Auto insurance rates for an Audi S5 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $410 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Audi S5 insurance prices. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,670 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Right Audi S5 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a quick rundown of the concepts that were touched on in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,440 more annually for car insurance
• Teenagers are the costliest to insure, as much as $401 each month if comprehensive and collision insurance is included
• You may be able to save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• You may be able to save approximately $150 per year simply by shopping early and online

Just by getting quotes, you can save an average of $230 a year. What are the cheapest car insurance companies? Shopping for quotes will help you find out. Getting quotes allows you to compare rates from major companies like Geico or Progressive, discover rates for different Audi models, and more.

So if you are looking to see how much is car insurance for an Audi A4 or Audi A5 insurance cost, get quotes. If you want to get started on finding quotes from car insurance companies in your area, enter your ZIP code in our free tool below.

Audi S5 Size and Class and Liability Insurance

What does liability insurance cover? Since liability insurance pays for repairs to others’ vehicles and their injury bills if you cause an accident, you will have higher liability rates if your car can do significant damage to others. The Audi S5 is a midsize luxury car, so while it isn’t big and heavy, luxury cars generally have higher rates.

Why? Luxury cars have stronger engines, which means drivers are more likely to speed and end up in an accident. So if you are asking questions like how fast is the Audi s5 Sportback, remember that insurers are also asking this. Luckily, if a luxury car has good insurance losses (meaning few claims are filed), this can offset the higher rates for luxury cars.

The Insurance Institute for Highway Safety (IIHS) data on insurance losses by make and model recorded the property damage loss for the Audi S5 4dr 4WD hatchback as -32 percent, which is substantially better than average. To see if this insurance loss results in lower insurance rates, keep reading.

Audi S5 Liability Rates

We went ahead and pulled rates from Geico for a 2020 Audi S5 Quattro convertible. The quote was for a 40-year-old male driver who owns his car, has a clean driving record, and travels 13,000 miles a year.

Below, you can see rates for six months of bodily injury liability coverage.

• Low ($15,000/$30,000): $39.18
• Medium ($100,000/$200,000): $80.32
• High ($500,000/$500,000): $129.31

It will cost an average of $90 to upgrade bodily injury coverage on an Audi S5 from low to high. This isn’t terrible, as it means an extra $15 a month. Next, take a look at the rates for property damage liability coverage.

• Low ($5,000): $439.40
• Medium ($20,000): $469.29
• High ($100,000): $491.12

It only costs $52 to upgrade from low to high property damage liability, or $8 a month. Overall, the prices for the Audi S5 aren’t bad at all, and shopping around can help bring costs down further. Keep reading learn more about what determines the price of car insurance.

Audi S5 Safety Features and Ratings

Whenever drivers shop for a car, it is important to look at the safety features that will either protect the driver and passengers in a crash or prevent a crash from happening. Safety features like these will reduce drivers’ insurance rates. According to CarIndigo.com, the Audi S5 has the following safety features:

• Audi active lane assist
• Audi pre-sense technology
• Audi adaptive cruise control
• Audi park steering assist
• Audi side assist
• Sport adaptive damping suspension

Good vehicle crash test ratings can also help drivers earn discounts. Unfortunately, the IIHS has not yet tested the Audi S5. This means that the Audi S5 may be judged based on overall crash ratings and fatalities for cars.

The IIHS’s 2018 data found that per million vehicles, there were 48 car driver fatalities, 34 pickup driver fatalities, and 23 SUV driver fatalities. All occupant fatalities per million vehicles equaled 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

These averages are based on total fatalities: 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Take a look at the 13,138 car fatalities by crash type.

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

Frontal impacts and side impacts cause the most fatalities. This is why safety features earn discounts, as they can help drivers avoid impacts.

Audi S5 Manufacturer Suggested Retail Price

The manufacturer suggested retail price (MSRP) is important when it comes to insurance rates. The MSRP helps insurers determine how much it will cost to repair or replace a vehicle, such as how much is an Audi S5 Sportback, and what will it cost to repair it? An expensive car with a high MSRP will have higher collision and comprehensive rates, as these two coverages pay for your vehicle repairs after accidents.

When you are looking for an Audi S5 for sale, make sure to check the MSRP and the fair market price (what you should be paying). Kelley Blue Book (KBB) listed the MSRP and other prices for the 2019 Audi S5 sedan as:

• MSRP: $53,395
• Invoice Price: $50,251
• Fair Purchase Price: $46,976
• Fair Market Range: $44,495 to $49,456

The MSRP is high. Unfortunately, the collision and comprehensive insurance losses for the Audi S5 are also high. This combination can make for expensive rates. It is also concerning because high rates mean the Audi S5 has a history of filed crash claims.

The IIHS’s data on collision losses is below.

• Audi S5 2dr 4WD: 93 percent (substantially worse than average)
• Audi S5 4dr 4WD hatchback: 87 percent (substantially worse than average)
• Audi S5 convertible 4WD: 51 percent (substantially worse than average)

These losses are all poor, as a good loss is negative. The comprehensive losses are also terrible.

• Audi S5 2dr 4WD: 120 percent (substantially worse than average)
• Audi S5 4dr 4WD hatchback: 78 percent (substantially worse than average)

Overall, you can expect poor rates for an Audi S5, so make sure to shop around to reduce costs.

Audi S5 Repair Costs

Being prepared for average annual repair costs will make sure you aren’t blindsided by expensive bills. Unfortunately, RepairPal’s reliability rating of the Audi S5 was only two out of five.

The average annual repair and maintenance costs for the Audi S5 are $1,164. This is expensive, as the average annual repair costs for midsize luxury cars is $739. To help reduce repair costs, make sure to shop around for repair shop estimates, just like you would for insurance rates.

Now that we are at the end of our Audi S5 insurance rate guide, you should have a better idea of if an Audi S5 is the right car for you and how to save on insurance.

Check out our site for reviews of other cars that will help you answer questions like is an Audi A5 considered a sports car or is an Audi A5 worth the money. So if you want to know is an Audi A5 a good car, read our reviews.

To get started on finding cheap Audi S5 insurance rates, enter your ZIP code in our free rate comparison tool.