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2014 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: Jun 12, 2015

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Average insurance rates for an 2014 Audi A5 are $1,402 a year with full coverage. Comprehensive insurance costs an estimated $290 each year, collision insurance costs $588, and liability costs around $388. Buying a liability-only policy costs as low as $434 a year, and high-risk insurance costs $3,054 or more. Teen drivers receive the highest rates at up to $5,198 a year.

Annual premium for full coverage: $1,402

Rate estimates for 2014 Audi A5 Insurance

Comprehensive $290
Collision $588
Liability $388

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 range from as low as $434 for basic liability insurance to a high rate of $3,054 for high-risk insurance.

Liability Only $434
Full Coverage $1,402
High Risk $3,054

View Chart as Image

2014 Audi A5 insurance rates compared
Column chart showing 2014 Audi A5 insurance prices range from $790 to $5,198 for full coverage

These differences demonstrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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 2014 Audi A5 Insurance

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Trying to find better insurance prices for a new or used Audi A5 can normally be an all-consuming task, but you can learn our insurance buying tips to save time. There are more efficient ways to shop for insurance and you need to know the absolute fastest way to get price quotes for your Audi and locate the lowest possible price from both online companies and local agents.

It’s a good habit to price shop coverage on a regular basis because insurance rates change regularly. Just because you had the best deal on A5 insurance a few years ago you can probably find a better price now. There is a lot of bad information regarding insurance on the web, but with this article, you’re going to get the easiest ways to stop overpaying for insurance.

Why your Audi A5 insurance rates may be high

Smart consumers have a good feel for the rating factors that go into determining your insurance coverage rates. Understanding what influences your rates enables informed choices that could result in big savings.

  • More claims means more premium – Auto insurance companies provide better rates to policyholders who are claim-free. If you are a frequent claim filer, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Where you reside plays a part – Residing in a rural area has it’s advantages when insuring your vehicles. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Lower population means fewer accidents and a lower car theft rate.
  • Little extras can really add up – There are quite a few additional coverages that you can get tricked into buying when buying insurance coverage. Things like roadside assistance, accidental death and motor club memberships may be costing you every month. These coverages may sound good at first, but if you don’t need them remove them from your policy.
  • Marriage brings a discount – Having a wife or husband can actually save you money on your insurance coverage policy. It usually means you are more responsible and it’s statistically proven that married drivers get in fewer accidents.

Discounts can save BIG

Companies offering auto insurance do not advertise all their discounts very clearly, so we researched some of the best known and the harder-to-find ways to save on car insurance. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on A5 insurance than less cautious drivers.
  • Homeowners Pay Less – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Low Mileage Discounts – Keeping the miles down on your Audi could be rewarded with better rates on cars that stay parked.
  • Sign Online – Some insurance companies will give a small break for buying your policy digitally online.
  • Passive Restraints and Air Bags – Cars that have air bags can receive discounts of more than 20%.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So even though it sounds like you can get free auto insurance, you’re out of luck.

For a list of insurance companies who offer car insurance discounts, click this link.

Are car insurance companies telling the truth?

Consumers can’t get away from ads for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. They all make the same claim about savings if you move to them.

How can each company make the same claim? It’s all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. For instance, a profitable customer might be profiled as between 25 and 40, has no driving citations, and has a short commute. A propective insured who matches those parameters will get very good rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don’t meet the “perfect” profile must pay more money which leads to business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can advertise the way they do. This illustrates why drivers must compare many company’s rates. It is impossible to predict which insurance companies will fit your personal profile best.

Will just any policy work for me?

When choosing the best insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For example, these questions might help in determining whether or not you may require specific advice.

  • Are my friends covered when driving my car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I afford to pay high deductible claims out of pocket?
  • When would I need additional glass coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Are rock chip repairs covered?
  • Is my custom paint covered by insurance?
  • Which is better, split liability limits or combined limits?
  • Do I need roadside assistance coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision – This coverage pays for damage to your A5 from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, damaging your car on a curb, rolling your car, driving through your garage door and colliding with a tree. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability – This can cover damages or injuries you inflict on a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, emergency aid and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as chiropractic care, X-ray expenses, pain medications and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

The best insurance company isn’t always the cheapest

Affordable 2014 Audi A5 insurance can be found both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some car insurance companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Insureds switch companies for any number of reasons including poor customer service, delays in paying claims, not issuing a premium refund and lack of trust in their agent. No matter why you want to switch, finding a new company is not as hard as you think.

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone dropped collision coverage to discover at claim time they didn’t have enough coverage. Your focus should be to buy enough coverage at a price you can afford.

Additional learning opportunities

Rates by U.S. City

2014 Audi A5 Insurance Rates by City
City Premium
New York City, NY $2,211
Los Angeles, CA $2,394
Philadelphia, PA $1,868
Jacksonville, FL $2,028
Phoenix, AZ $1,627
Chicago, IL $1,876
Houston, TX $2,194
Seattle, WA $1,361
Columbus, OH $1,169
Indianapolis, IN $1,191

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2014 Audi A5 Insurance Rates by Driver Age
Driver Age Premium
16 $5,198
20 $3,258
30 $1,464
40 $1,402
50 $1,278
60 $1,258

Full coverage, $500 deductibles

Rates by Deductible

2014 Audi A5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,792
$250 $1,610
$500 $1,402
$1,000 $1,202

Full coverage, driver age 40

Rates by Liability Limit

Audi A5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,402
50/100 $1,480
100/300 $1,577
250/500 $1,829
100 CSL $1,518
300 CSL $1,732
500 CSL $1,887

Full coverage, driver age 40

Rates for High Risk Drivers

2014 Audi A5 Insurance Rates for High Risk Drivers
Age Premium
16 $7,448
20 $5,196
30 $3,126
40 $3,054
50 $2,912
60 $2,888

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 $202

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $75
Homeowner $20
5-yr Accident Free $108
5-yr Claim Free $93
Paid in Full/EFT $67
Advance Quote $72
Online Quote $101
Total Discounts $612
Rate after discounts $790

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

Find companies with the cheapest rates in your area

2014 Audi A5 Insurance Rates by State
State Premium
Alabama $1,264
Alaska $1,072
Arizona $1,162
Arkansas $1,402
California $1,596
Colorado $1,336
Connecticut $1,438
Delaware $1,582
Florida $1,748
Georgia $1,294
Hawaii $1,006
Idaho $948
Illinois $1,042
Indiana $1,054
Iowa $944
Kansas $1,330
Kentucky $1,910
Louisiana $2,074
Maine $864
Maryland $1,156
Massachusetts $1,118
Michigan $2,430
Minnesota $1,172
Mississippi $1,678
Missouri $1,244
Montana $1,504
Nebraska $1,102
Nevada $1,678
New Hampshire $1,012
New Jersey $1,564
New Mexico $1,238
New York $1,474
North Carolina $806
North Dakota $1,146
Ohio $966
Oklahoma $1,436
Oregon $1,282
Pennsylvania $1,334
Rhode Island $1,868
South Carolina $1,268
South Dakota $1,180
Tennessee $1,224
Texas $1,688
Utah $1,034
Vermont $956
Virginia $838
Washington $1,080
West Virginia $1,284
Wisconsin $966
Wyoming $1,244

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