Audi Q5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 12, 2024
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How much does an Audi Q5 cost to insure? Average Audi Q5 insurance rates are $1,610 a year, or $134 a month, which is more expensive than most vehicles‘ rates.
Although 2016 Audi Q5 insurance costs may be different than 2018 or 2016 Audi Q5 insurance costs, rates should still be around $1,610. Read on to learn more about Audi Q5 average rates and how to save.
To find the cheapest Audi Q5 rates in your area, enter your ZIP code in our free tool above.
U.S. average insurance rates for an Audi Q5 are $1,204 a year for full coverage insurance. Comprehensive insurance costs approximately $210 each year, collision costs $362, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,612 or more. Teenage drivers pay the highest rates at $4,720 a year or more.
Average premium for full coverage: $1,204
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Q5 models.
Price Range from Low to High
For a 40-year-old driver, Audi Q5 insurance prices go from as low as $522 for just liability insurance to a high rate of $2,612 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how your location can change auto insurance prices.
The ranges above illustrate why all drivers should get quotes using their specific location and risk profile, rather than using average rates.
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.
More Rate Details
The chart below illustrates estimated Audi Q5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $707
- Choosing higher $1,000 deductibles can save $130 each year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,204
- Using low deductibles for comp and collision coverage will cost an extra $252 each year
- Drivers who are prone to accidents and violations could pay around $2,612 or more
- The price for full coverage for a teenage driver can cost $4,720 each year
Car insurance prices for an Audi Q5 are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Audi Q5 insurance rates. A good driver about age 40 could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,630 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,090 | -$114 | -9.5% |
| Alaska | $924 | -$280 | -23.3% |
| Arizona | $998 | -$206 | -17.1% |
| Arkansas | $1,204 | -$0 | 0.0% |
| California | $1,372 | $168 | 14.0% |
| Colorado | $1,152 | -$52 | -4.3% |
| Connecticut | $1,238 | $34 | 2.8% |
| Delaware | $1,364 | $160 | 13.3% |
| Florida | $1,508 | $304 | 25.2% |
| Georgia | $1,110 | -$94 | -7.8% |
| Hawaii | $866 | -$338 | -28.1% |
| Idaho | $814 | -$390 | -32.4% |
| Illinois | $898 | -$306 | -25.4% |
| Indiana | $906 | -$298 | -24.8% |
| Iowa | $812 | -$392 | -32.6% |
| Kansas | $1,146 | -$58 | -4.8% |
| Kentucky | $1,644 | $440 | 36.5% |
| Louisiana | $1,782 | $578 | 48.0% |
| Maine | $744 | -$460 | -38.2% |
| Maryland | $992 | -$212 | -17.6% |
| Massachusetts | $964 | -$240 | -19.9% |
| Michigan | $2,092 | $888 | 73.8% |
| Minnesota | $1,008 | -$196 | -16.3% |
| Mississippi | $1,442 | $238 | 19.8% |
| Missouri | $1,070 | -$134 | -11.1% |
| Montana | $1,294 | $90 | 7.5% |
| Nebraska | $950 | -$254 | -21.1% |
| Nevada | $1,444 | $240 | 19.9% |
| New Hampshire | $866 | -$338 | -28.1% |
| New Jersey | $1,346 | $142 | 11.8% |
| New Mexico | $1,066 | -$138 | -11.5% |
| New York | $1,270 | $66 | 5.5% |
| North Carolina | $694 | -$510 | -42.4% |
| North Dakota | $986 | -$218 | -18.1% |
| Ohio | $832 | -$372 | -30.9% |
| Oklahoma | $1,238 | $34 | 2.8% |
| Oregon | $1,104 | -$100 | -8.3% |
| Pennsylvania | $1,152 | -$52 | -4.3% |
| Rhode Island | $1,606 | $402 | 33.4% |
| South Carolina | $1,090 | -$114 | -9.5% |
| South Dakota | $1,018 | -$186 | -15.4% |
| Tennessee | $1,054 | -$150 | -12.5% |
| Texas | $1,452 | $248 | 20.6% |
| Utah | $892 | -$312 | -25.9% |
| Vermont | $826 | -$378 | -31.4% |
| Virginia | $722 | -$482 | -40.0% |
| Washington | $932 | -$272 | -22.6% |
| West Virginia | $1,104 | -$100 | -8.3% |
| Wisconsin | $834 | -$370 | -30.7% |
| Wyoming | $1,074 | -$130 | -10.8% |
Using high physical damage deductibles can save as much as $390 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 129% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi Q5 3.2 Premium AWD | $1,180 | $98 |
| Audi Q5 3.2 Premium Plus AWD | $1,204 | $100 |
| Audi Q5 3.2 Premium Plus S-Line AWD | $1,204 | $100 |
| Audi Q5 3.2 Prestige AWD | $1,228 | $102 |
| Audi Q5 3.2 Prestige S-Line AWD | $1,252 | $104 |
Rates assume 2013 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi Q5 | $346 | $690 | $390 | $1,584 |
| 2023 Audi Q5 | $332 | $686 | $398 | $1,574 |
| 2022 Audi Q5 | $320 | $668 | $416 | $1,562 |
| 2021 Audi Q5 | $310 | $640 | $430 | $1,538 |
| 2020 Audi Q5 | $292 | $618 | $442 | $1,510 |
| 2019 Audi Q5 | $282 | $574 | $452 | $1,466 |
| 2018 Audi Q5 | $270 | $540 | $456 | $1,424 |
| 2016 Audi Q5 | $242 | $446 | $460 | $1,306 |
| 2015 Audi Q5 | $234 | $418 | $464 | $1,274 |
| 2014 Audi Q5 | $228 | $390 | $474 | $1,250 |
| 2013 Audi Q5 | $210 | $362 | $474 | $1,204 |
| 2012 Audi Q5 | $206 | $328 | $478 | $1,170 |
| 2011 Audi Q5 | $192 | $300 | $474 | $1,124 |
| 2010 Audi Q5 | $180 | $272 | $474 | $1,084 |
Rates are averaged for all Audi Q5 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 Cheaper Audi Q5 Insurance
Getting lower rates on auto insurance takes being safe and accident-free, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below you'll find a condensed summary of the data illustrated above.
- Consumers who purchase more liability protection will pay an extra $520 annually to raise limits from a low limit to 250/500 limits
- It is possible to save around $140 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $375 each year
- Youthful drivers pay the highest auto insurance prices, as much as $393 a month if full coverage is included
To save on the average insurance cost for an Audi Q5, make sure to take the time to shop for rates so you have an Audi Q5 comparison chart of Audi rates.
To find the average price of an Audi Q5 in your area, use our free rate comparison tool below.
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What are the safety ratings of the Audi Q5?
Is an Audi Q5 a reliable SUV? Insurers care about Audi Q5 safety ratings and reliability when they calculate Audi Q5 average prices. Some of the Audi Q5’s safety features include brake assist, blind-spot monitor, auto-leveling headlights, and cross-traffic alert.
The Insurance Institute for Highway Safety (IIHS) has also crash-tested and rated the Audi Q5. Take a look at the final ratings below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating, so the Audi Q5 did great. Watch the video below to see one of the Audi Q5’s crash tests.
Audi Q5 Compared Against Other Vehicles in the Same Class
Classified as a midsize luxury SUV, the IIHS rated the Audi Q5’s liability losses as substantially better than average. This is good, as it means the liability rates for the Q5 should be better than average.
To see how much does a Q5 cost to insure in comparison to other midsize SUVs, take a look at the vehicles below.
To find savings for a Q5 in your area, enter your ZIP code in our free rate comparison tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,782 |
| 30 | $1,240 |
| 40 | $1,204 |
| 50 | $1,102 |
| 60 | $1,082 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,342 |
| $500 | $1,204 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,204 |
| 50/100 | $1,347 |
| 100/300 | $1,465 |
| 250/500 | $1,773 |
| 100 CSL | $1,394 |
| 300 CSL | $1,655 |
| 500 CSL | $1,845 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,694 |
| 20 | $4,440 |
| 30 | $2,650 |
| 40 | $2,612 |
| 50 | $2,498 |
| 60 | $2,474 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $497 |
Discounts are estimated and may not be available from every company or in every state.
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