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2009 Audi Q5 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 23, 2017

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Average insurance rates for an 2009 Audi Q5 are $1,204 a year for full coverage. Comprehensive insurance costs an estimated $210, collision insurance costs $362, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,612 or more. Teenage drivers receive the highest rates at up to $4,720 a year.

Annual premium for full coverage: $1,204

Rate estimates for 2009 Audi Q5 Insurance

Comprehensive $210
Collision $362
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 Audi Q5 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 middle-aged driver, prices range range from as low as $522 for the bare minimum liability coverage to a much higher rate of $2,612 for a high risk driver.

Liability Only $522
Full Coverage $1,204
High Risk $2,612

View Chart as Image

2009 Audi Q5 insurance rates compared
Column chart showing 2009 Audi Q5 insurance prices range from $707 to $4,720 for full coverage

These differences show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than 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 Q5 Insurance

Searching Companies

Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Many insurance companies compete for your business, and it can be difficult to compare rates and get the definite best price available.

How to Compare Insurance Coverage

Most major insurance companies quote prices for coverage directly from their websites. Getting online quotes is fairly simple as you just type in your coverage information into a form. Once entered, the company’s rating system will obtain reports for credit and driving violations and gives you a price quote. This simplifies rate comparisons, but the process of having to visit several different sites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to do this if you want to find better insurance coverage pricing.

There is an easier way!

The easiest way to compare rates uses one simple form that analyzes rates from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, it gets priced with multiple companies and you can pick any one of the quotes that you receive. If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and could lower your rates considerably.

In order to compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy the limits and deductibles identical to your current policy. This guarantees you will have rate quotes based on the exact same insurance coverage.

Pay less by taking advantage of discounts

Auto insurance companies do not advertise every available discount very clearly, so here is a list some of the best known and the harder-to-find ways to save on car insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Sign Online – Some insurance companies will give a small break simply for signing over the internet.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Q5 insurance with certain companies.
  • Multiple Policy Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on car insurance on Q5 insurance.
  • New Car Discount – Insuring a new car is cheaper compared to insuring an older model.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of more than 20%.

It’s important to note that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, it doesn’t quite work that way.

A partial list of companies that may offer these benefits include:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts might not be offered in your state.

Your coverage should be tailored to you

When choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Where can I find DUI or SR-22 insurance?
  • When should I drop full coverage on my 2009 Audi Q5?
  • Am I covered if I crash into my own garage door?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is the difference between comprehensive and collision coverage?
  • What if I don’t agree with a claim settlement offer?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do all my vehicles need collision coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Car insurance 101

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by auto insurance companies.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi Q5.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability

Liability coverage protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical services, court costs, structural damage, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses for prosthetic devices, hospital visits, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, hitting a deer and a broken windshield. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Rates by U.S. City

2009 Audi Q5 Insurance Rates by City
City Premium
New York City, NY $1,905
Los Angeles, CA $2,058
Philadelphia, PA $1,613
Jacksonville, FL $1,749
Phoenix, AZ $1,397
Chicago, IL $1,616
Houston, TX $1,888
Seattle, WA $1,174
Columbus, OH $1,007
Indianapolis, IN $1,024

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Audi Q5 Insurance 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

2009 Audi Q5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,456
$250 $1,342
$500 $1,204
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Audi Q5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,204
50/100 $1,299
100/300 $1,417
250/500 $1,725
100 CSL $1,346
300 CSL $1,607
500 CSL $1,797

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Audi Q5 Insurance 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.

SR-22 Surcharge $168

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
Rate after discounts $707

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 Q5 Insurance Rates by State
State Premium
Alabama $1,090
Alaska $924
Arizona $998
Arkansas $1,204
California $1,372
Colorado $1,152
Connecticut $1,238
Delaware $1,364
Florida $1,508
Georgia $1,110
Hawaii $866
Idaho $814
Illinois $898
Indiana $906
Iowa $812
Kansas $1,146
Kentucky $1,644
Louisiana $1,782
Maine $744
Maryland $992
Massachusetts $964
Michigan $2,092
Minnesota $1,008
Mississippi $1,442
Missouri $1,070
Montana $1,294
Nebraska $950
Nevada $1,444
New Hampshire $866
New Jersey $1,346
New Mexico $1,066
New York $1,270
North Carolina $694
North Dakota $986
Ohio $832
Oklahoma $1,238
Oregon $1,104
Pennsylvania $1,152
Rhode Island $1,606
South Carolina $1,090
South Dakota $1,018
Tennessee $1,054
Texas $1,452
Utah $892
Vermont $826
Virginia $722
Washington $932
West Virginia $1,104
Wisconsin $834
Wyoming $1,074

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