Audi A5 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 rates for an Audi A5 are $1,498 a year including full coverage. Comprehensive insurance costs an estimated $314, collision costs $672, and liability coverage is estimated at $376. A policy with only liability insurance costs approximately $426 a year, with a high-risk policy costing $3,276 or more. Teens pay the most at $5,514 a year or more.

Average premium for full coverage: $1,498

Premium estimates broken down by type of coverage:

Comprehensive $314
Collision $672
Liability $376

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all A5 models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for an Audi A5 go from as low as $426 for basic liability insurance to the much higher price of $3,276 for a driver who requires high-risk insurance.

Liability Only $426
Full Coverage $1,498
High Risk $3,276

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

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

Rural Areas $1,124
Small Cities $1,573
Large Cities $2,022

These rate differences highlight why everyone should get quotes for a targeted area and risk profile, rather than using averaged prices.

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.

Rate Comparisons

The chart below breaks down estimated Audi A5 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $834
  • Choosing higher $1,000 deductibles can save approximately $222 every year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,498
  • Selecting pricier low deductibles for comp and collision coverage will cost an extra $438 each year
  • Drivers with serious driving violations could pay up to $3,276 or more
  • An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $5,514 each year

View Chart as Image

Audi A5 insurance cost comparison chart
Column chart showing full coverage Audi A5 insurance prices range from $834 to $5,514

Car insurance prices for an Audi A5 also have a wide range based on your driving characteristics, the model of your A5, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $5,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Audi A5 insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,140 on average in Louisiana, New York, and Michigan.

Audi A5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,354 -$144 -9.6%
Alaska $1,150 -$348 -23.2%
Arizona $1,242 -$256 -17.1%
Arkansas $1,498 -$0 0.0%
California $1,706 $208 13.9%
Colorado $1,430 -$68 -4.5%
Connecticut $1,538 $40 2.7%
Delaware $1,694 $196 13.1%
Florida $1,870 $372 24.8%
Georgia $1,384 -$114 -7.6%
Hawaii $1,076 -$422 -28.2%
Idaho $1,016 -$482 -32.2%
Illinois $1,114 -$384 -25.6%
Indiana $1,130 -$368 -24.6%
Iowa $1,010 -$488 -32.6%
Kansas $1,422 -$76 -5.1%
Kentucky $2,040 $542 36.2%
Louisiana $2,216 $718 47.9%
Maine $924 -$574 -38.3%
Maryland $1,236 -$262 -17.5%
Massachusetts $1,196 -$302 -20.2%
Michigan $2,602 $1,104 73.7%
Minnesota $1,254 -$244 -16.3%
Mississippi $1,792 $294 19.6%
Missouri $1,330 -$168 -11.2%
Montana $1,608 $110 7.3%
Nebraska $1,180 -$318 -21.2%
Nevada $1,796 $298 19.9%
New Hampshire $1,080 -$418 -27.9%
New Jersey $1,674 $176 11.7%
New Mexico $1,326 -$172 -11.5%
New York $1,578 $80 5.3%
North Carolina $862 -$636 -42.5%
North Dakota $1,228 -$270 -18.0%
Ohio $1,032 -$466 -31.1%
Oklahoma $1,536 $38 2.5%
Oregon $1,372 -$126 -8.4%
Pennsylvania $1,426 -$72 -4.8%
Rhode Island $1,998 $500 33.4%
South Carolina $1,356 -$142 -9.5%
South Dakota $1,264 -$234 -15.6%
Tennessee $1,312 -$186 -12.4%
Texas $1,804 $306 20.4%
Utah $1,108 -$390 -26.0%
Vermont $1,022 -$476 -31.8%
Virginia $896 -$602 -40.2%
Washington $1,154 -$344 -23.0%
West Virginia $1,372 -$126 -8.4%
Wisconsin $1,036 -$462 -30.8%
Wyoming $1,332 -$166 -11.1%

View Chart as Image

Audi A5 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $660 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,800 to $2,500 extra annually, depending on your age. Audi A5 insurance for high-risk drivers ranges around 45% to 134% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, so rate quotes will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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.

Audi A5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Audi A5 $314 $672 $376 $1,498
2016 Audi A5 $278 $526 $390 $1,330
2013 Audi A5 $244 $424 $402 $1,206

Rates are averaged for all Audi A5 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 the Right Audi A5 Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, 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.

  • Drivers with reckless driving or DUI convictions may pay on average $1,780 more annually for car insurance
  • Teenagers have the highest car insurance prices, with the cost nearing $460 per month if full coverage is included
  • You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $650 each year
  • You may be able to save approximately $190 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.

[360_quote_team]

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.

      Rates by Driver Age

      Audi A5 Insurance Rates by Driver Age
      Driver Age Premium
      16 $5,514
      20 $3,500
      30 $1,574
      40 $1,498
      50 $1,368
      60 $1,346

      Full coverage, $500 deductibles

      Rates by Deductible

      Audi A5 Insurance Rates with Different Deductibles
      Deductible Premium
      $100 $1,936
      $250 $1,732
      $500 $1,498
      $1,000 $1,276

      Full coverage, driver age 40

      Rates by Liability Limit

      Audi A5 Insurance Rates with Different Liability Limits
      Liability Limit Premium
      30/60 $1,498
      50/100 $1,649
      100/300 $1,743
      250/500 $1,988
      100 CSL $1,687
      300 CSL $1,894
      500 CSL $2,044

      Full coverage, driver age 40

      Rates for High Risk Drivers

      Audi A5 Insurance Rates for High Risk Drivers
      Age Premium
      16 $7,918
      20 $5,580
      30 $3,360
      40 $3,276
      50 $3,126
      60 $3,100

      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.

      SR-22 Surcharge $218

      Potential Rate Discounts

      If you qualify for discounts, you may save the amounts shown below.

      Discount Savings
      Multi-policy $82
      Multi-vehicle $80
      Homeowner $21
      5-yr Accident Free $119
      5-yr Claim Free $100
      Paid in Full/EFT $74
      Advance Quote $79
      Online Quote $109
      Total Discounts $664
      Rate after discounts $834

      Discounts are estimated and may not be available from every company or in every state.

      Compare Rates and Save

      Find companies with the cheapest rates in your area

      Free Auto Insurance Comparison

      Enter your zip code below to view companies that have cheap auto insurance rates.

      secured lock Secured with SHA-256 Encryption

      You May Also Enjoy These Articles