2017 Audi A5 Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for an 2017 Audi A5 are $1,528 a year for full coverage insurance. Comprehensive costs an estimated $332 a year, collision costs $696, and liability insurance costs $364. Buying a liability-only policy costs as little as $416 a year, with high-risk insurance costing around $3,340. Teen drivers receive the highest rates at $5,582 a year or more.
Annual premium for full coverage: $1,528
Rate estimates for 2017 Audi A5 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 middle-aged driver, prices range go from as low as $416 for a discount liability-only rate to a high of $3,340 for a high risk driver.
These differences illustrate why it is important for drivers to compare rates for a targeted area and risk profile, rather than relying 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 2017 Audi A5 Insurance
Want lower insurance rates for your Audi A5? Feel like you’re a prisoner to high-priced insurance? Believe me when I say you’re not alone.
Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.
If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Finding the best rates is quite easy. But drivers benefit from understanding the way insurance companies market insurance on the web because it can help you find the best coverage.
How to Lower Your Car Insurance Cost
Performing a rate comparison can take hours if you don’t know the easiest way. You could waste time talking to insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.
Many of the larger companies belong to an insurance system that enables customers to submit one quote, and at least one company provides a quote based on that information. This system prevents you from having to do quotation requests to each individual car insurance company.
To find out how much you’re overpaying now click here to open in new window.
The one downside to using this type of form is buyers cannot specifically choose which carriers to get quotes from. So if you prefer to choose from a list of companies to receive pricing from, we have a listing of car insurance companies in your area. Click here to view list.
It’s up to you which method you use, but make darn sure you compare identical deductibles and coverage limits on every quote you get. If you use unequal deductibles or liability limits it’s impossible to make a fair comparison for your Audi A5. Quoting even small variations in coverages can make a big difference in price. And when quoting car insurance, remember that getting more free quotes helps locate better pricing.
Do you qualify for discounts?
Companies that sell car insurance don’t always list every discount in a way that’s easy to find, so we break down some of the more common and the more hidden ways to save on insurance.
- Resident Student – Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.
- New Vehicle Savings – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
- One Accident Forgiven – A handful of insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
- Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for A5 insurance depending on your company.
- Fewer Miles Equal More Savings – Keeping the miles down on your Audi can qualify you for lower rates on the low mileage vehicles.
- Multi-car Discount – Having more than one vehicle on the same insurance policy could earn a price break for each car.
- Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
- Own a Home – Owning a home can help you save on insurance because maintaining a house is proof that your finances are in order.
- Claim Free – Claim-free drivers pay much less when compared with accident-prone drivers.
It’s important to understand that most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way.
For a list of insurers with the best insurance discounts, click this link.
Don’t assume everyone needs the same coverage
When it comes to buying adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine if your insurance needs might need an agent’s assistance.
- If my 2017 Audi A5 is totaled, can I afford another vehicle?
- What should my uninsured motorist coverage limits be in my state?
- How can I force my company to pay a claim?
- Does my medical payments coverage pay my health insurance deductible?
- Are my friends covered when driving my car?
- Does insurance cover damages from a DUI accident?
- How much liability coverage do I need in my state?
- Is borrowed equipment or tools covered if stolen or damaged?
- Am I covered if I crash into my own garage door?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Auto insurance coverage information
Knowing the specifics of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from car insurance companies.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP reimburse you for bills for surgery, funeral costs and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Liability car insurance
Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability insurance covers things such as repair costs for stationary objects, court costs and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as vandalism, hail damage, damage from getting keyed, rock chips in glass and damage from flooding. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
This coverage pays for damage to your A5 from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as damaging your car on a curb, backing into a parked car, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Rates by U.S. City
|New York City, NY||$2,412|
|Los Angeles, CA||$2,616|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$122|
|5-yr Claim Free||$101|
|Paid in Full/EFT||$77|
Discounts are estimated and may not be available from every company or in every state.