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.

U.S. average insurance rates for an Audi S5 are $1,294 a year for full coverage insurance. Comprehensive insurance costs on average $244 a year, collision costs $414, and liability insurance is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing $2,804 or more. Teen drivers pay the highest rates at $4,994 a year or more.

Average premium for full coverage: $1,294

Price estimates by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and S5 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why it is important to get quotes based on a specific location and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Audi S5 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $753
• Choosing higher $1,000 deductibles can save around $1,146 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,294
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $290 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,804 or more
• The price for full coverage for a teen driver may cost $4,994 each year

View Chart as Image

Insurance prices for an Audi S5 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S5 insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $440 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 129% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.

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 Find More Affordable Audi S5 Insurance

Getting lower rates on Audi S5 insurance takes being a low-risk driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a summary of the ideas that were raised in the charts and tables above.

• Teen drivers pay higher prices, as much as $416 a month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay an average of $1,510 more each year to insure their S5
• Increasing physical damage deductibles can save around $450 each year
• It is possible to save as much as $150 per year simply by quoting 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.