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2009 Audi A5 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2021

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Average insurance rates for an 2009 Audi A5 are $1,158 a year for full coverage insurance. Comprehensive costs an estimated $226 each year, collision costs $394, and liability costs $402. Buying a liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,510. Teenage drivers receive the highest rates at $4,416 a year or more.

Annual premium for full coverage: $1,158

Rate estimates for 2009 Audi A5 Insurance

Comprehensive $226
Collision $394
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Audi A5 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $446 for the bare minimum liability coverage to a high rate of $2,510 for high-risk insurance.

Liability Only $446
Full Coverage $1,158
High Risk $2,510

View Chart as Image

2009 Audi A5 insurance rates compared
Column chart showing 2009 Audi A5 insurance prices range from $672 to $4,416 for full coverage

These differences illustrate why all drivers should compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2009 Audi A5 Insurance

Searching Companies

Buyers have lots of choices when searching for low-cost Audi A5 insurance. They can either spend hours driving around to get rate comparisons or save time using the internet to find the lowest rates. There is a better way to shop for car insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Audi and locate the lowest price from local insurance agents and online providers.

It’s smart to get comparison quotes at least once a year because rates are constantly changing. Even if you think you had the lowest rates on A5 coverage last year other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

How to Get Insurance Coverage Comparison Quotes

There are a lot of ways you can shop for insurance coverage but there is one way that is more efficient than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use online quotes for quick rates.

Many insurance companies belong to a marketplace that enables customers to submit one quote, and every company then returns a price quote based on that data. This eliminates the need for repetitive form submissions to each company.

To find out how much you can save on insurance coverage click here to open in new window.

The only drawback to using this type of system is you can’t choose the insurers you want to price. If you prefer to choose from a list of companies to compare rates, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

Which method you use is up to you, but double check that you are using identical information for each price quote. If you are comparing differing limits you can’t possibly find the best deal for your Audi A5.

Lots of discounts mean lots of savings

Companies that sell car insurance don’t always list every available discount very well, so we researched some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you are paying more than you should be.

  • Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Defensive Driver – Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

Car insurance companies who might offer these discounts may include but are not limited to:

  • State Farm
  • Progressive
  • 21st Century
  • American Family
  • The Hartford
  • AAA

Double check with every prospective company how you can save money. Some discounts might not apply in your area.

Situations that might require an agent

When it comes to choosing the best auto insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might point out whether your personal situation might need an agent’s assistance.

  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when pulling a rental trailer?
  • Should I have a commercial auto policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • If I drive on a suspended license am I covered?
  • What discounts do I qualify for?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Do you really save 40% when you switch?

Consumers constantly see and hear ads for cheaper car insurance by companies like Allstate and Progressive. All the companies make an identical promise that you can save if you move to them.

But how can every company make the same claim? This is how they do it.

All companies have a certain “appetite” for the driver that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 40, has no tickets, and drives newer vehicles. A driver who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the requirements will be quoted a more expensive rate which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can confidently make those claims. This emphasizes why you should quote coverage with many companies. You cannot predict the company that will provide you with the cheapest Audi A5 insurance rates.

Car insurance coverage information

Knowing the specifics of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, doctor visits, prosthetic devices, nursing services and hospital visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your A5 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Liability insurance

This coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability coverage pays for things such as emergency aid, bail bonds and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Audi A5.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, rock chips in glass and a broken windshield. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Keep this in mind

You just learned some good ideas how to reduce 2009 Audi A5 insurance prices online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small local company.

Cheap insurance is attainable on the web as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

People who switch companies do it for many reasons like high rates after DUI convictions, delays in paying claims, an unsatisfactory settlement offer and even unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is easier than you think.

For more information, feel free to visit the articles below:

Rates by U.S. City

2009 Audi A5 Insurance Rates by City
City Premium
New York City, NY $1,827
Los Angeles, CA $1,977
Philadelphia, PA $1,546
Jacksonville, FL $1,677
Phoenix, AZ $1,344
Chicago, IL $1,555
Houston, TX $1,815
Seattle, WA $1,126
Columbus, OH $966
Indianapolis, IN $985

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Audi A5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,416
20 $2,670
30 $1,200
40 $1,158
50 $1,060
60 $1,040

Full coverage, $500 deductibles

Rates by Deductible

2009 Audi A5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,430
$250 $1,304
$500 $1,158
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Audi A5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,158
50/100 $1,238
100/300 $1,339
250/500 $1,600
100 CSL $1,279
300 CSL $1,500
500 CSL $1,661

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Audi A5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,290
20 $4,254
30 $2,556
40 $2,510
50 $2,396
60 $2,374

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 $162

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $82
5-yr Claim Free $75
Paid in Full/EFT $50
Advance Quote $56
Online Quote $82
Total Discounts $486
Rate after discounts $672

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

Find companies with the cheapest rates in your area

2009 Audi A5 Insurance Rates by State
State Premium
Alabama $1,046
Alaska $888
Arizona $960
Arkansas $1,158
California $1,318
Colorado $1,104
Connecticut $1,188
Delaware $1,308
Florida $1,446
Georgia $1,072
Hawaii $830
Idaho $784
Illinois $864
Indiana $872
Iowa $782
Kansas $1,100
Kentucky $1,578
Louisiana $1,714
Maine $714
Maryland $956
Massachusetts $924
Michigan $2,010
Minnesota $970
Mississippi $1,388
Missouri $1,028
Montana $1,242
Nebraska $910
Nevada $1,388
New Hampshire $836
New Jersey $1,296
New Mexico $1,022
New York $1,218
North Carolina $666
North Dakota $950
Ohio $798
Oklahoma $1,186
Oregon $1,060
Pennsylvania $1,104
Rhode Island $1,542
South Carolina $1,050
South Dakota $978
Tennessee $1,012
Texas $1,396
Utah $858
Vermont $788
Virginia $694
Washington $894
West Virginia $1,060
Wisconsin $798
Wyoming $1,030

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