Audi A5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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When the time comes to figure out how much Audi A5 insurance costs, you might be left with more questions than answers. In order to streamline your search for a quality provider and help you determine if you should have full coverage or liability alone, we have prepared this in-depth guide.

This article will inform you about average insurance rates for the Audi A5, how the size and class of the vehicle play a factor, what liability insurance costs for the Audi A5, its safety features, MSRP value, and repair estimates.

By the time you have finished reading through this piece, you will be better equipped to find the right insurance provider for a good rate. In fact, you can start comparing quotes right now by taking advantage of our free online quote tool.

Average auto insurance rates for an Audi A5 are $1,498 annually including full coverage. Comprehensive insurance costs approximately $314 a year, collision costs $672, and liability is $376. A policy with just liability insurance costs around $426 a year, with coverage for high-risk drivers costing $3,276 or more. Teenage drivers receive the highest rates at $5,514 a year or more.

Average premium for full coverage: $1,498

Rate estimates by individual coverage type:

Comprehensive $314
Collision $672
Liability $376

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and A5 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $426 for minimum levels of liability insurance to a high of $3,276 for high-risk insurance.

Liability Only $426
Full Coverage $1,498
High Risk $3,276

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,124
Small Cities $1,573
Large Cities $2,022

These examples highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on 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.

Additional Rate Details

The chart below breaks down estimated Audi A5 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $834
  • Raising to $1,000 deductibles will save $1,276 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,498
  • Using low $100 deductibles costs an additional $438 annually
  • Drivers who are prone to accidents and violations could pay around $3,276 or more
  • The cost with full coverage for a 16-year-old driver can cost $5,514

View Chart as Image

Audi A5 insurance cost comparison chart
Column chart showing full coverage Audi A5 insurance prices range from $834 to $5,514

Insurance rates for an Audi A5 can also vary considerably based on the trim level of your A5, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $660 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Audi A5 insurance prices. A middle-age driver might find rates as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,140 on average in Louisiana, New York, and Michigan.

Audi A5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,354 -$144 -9.6%
Alaska $1,150 -$348 -23.2%
Arizona $1,242 -$256 -17.1%
Arkansas $1,498 -$0 0.0%
California $1,706 $208 13.9%
Colorado $1,430 -$68 -4.5%
Connecticut $1,538 $40 2.7%
Delaware $1,694 $196 13.1%
Florida $1,870 $372 24.8%
Georgia $1,384 -$114 -7.6%
Hawaii $1,076 -$422 -28.2%
Idaho $1,016 -$482 -32.2%
Illinois $1,114 -$384 -25.6%
Indiana $1,130 -$368 -24.6%
Iowa $1,010 -$488 -32.6%
Kansas $1,422 -$76 -5.1%
Kentucky $2,040 $542 36.2%
Louisiana $2,216 $718 47.9%
Maine $924 -$574 -38.3%
Maryland $1,236 -$262 -17.5%
Massachusetts $1,196 -$302 -20.2%
Michigan $2,602 $1,104 73.7%
Minnesota $1,254 -$244 -16.3%
Mississippi $1,792 $294 19.6%
Missouri $1,330 -$168 -11.2%
Montana $1,608 $110 7.3%
Nebraska $1,180 -$318 -21.2%
Nevada $1,796 $298 19.9%
New Hampshire $1,080 -$418 -27.9%
New Jersey $1,674 $176 11.7%
New Mexico $1,326 -$172 -11.5%
New York $1,578 $80 5.3%
North Carolina $862 -$636 -42.5%
North Dakota $1,228 -$270 -18.0%
Ohio $1,032 -$466 -31.1%
Oklahoma $1,536 $38 2.5%
Oregon $1,372 -$126 -8.4%
Pennsylvania $1,426 -$72 -4.8%
Rhode Island $1,998 $500 33.4%
South Carolina $1,356 -$142 -9.5%
South Dakota $1,264 -$234 -15.6%
Tennessee $1,312 -$186 -12.4%
Texas $1,804 $306 20.4%
Utah $1,108 -$390 -26.0%
Vermont $1,022 -$476 -31.8%
Virginia $896 -$602 -40.2%
Washington $1,154 -$344 -23.0%
West Virginia $1,372 -$126 -8.4%
Wisconsin $1,036 -$462 -30.8%
Wyoming $1,332 -$166 -11.1%

View Chart as Image

Audi A5 insurance rates by U.S. city

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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.

Audi A5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Audi A5 $314 $672 $376 $1,498
2016 Audi A5 $278 $526 $390 $1,330
2013 Audi A5 $244 $424 $402 $1,206

Rates are averaged for all Audi A5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Right Audi A5 Insurance

Saving money on insurance for an Audi A5 consists of having a decent driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following items are a quick rundown of the material that was raised in the charts and tables above.

  • Insureds who purchase additional liability coverage will pay an extra $410 per year to raise from a minimum limit to higher 250/500 limits
  • 16 to 18-year-old drivers are the costliest to insure, as much as $460 per month if they have full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,780 more per year than a driver with a clean driving record
  • Increasing deductibles could save up to $650 each year

Now that we have gone into detail about what average Audi A5 insurance rates look like based on age, location, and driving history, you might be curious about other contributing factors that determine rates.

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How does the size and class of the Audi A5 affect liability rates?

The Insurance Institute for Highway Safety (IIHS) classifies the Audi A5 as a midsize luxury car. This is important to know because the size of the vehicle you drive ultimately determines how much money you will pay for the most basic form of coverage, which is called auto liability insurance.

Insurance providers will take the size and class of the Audi A5 into consideration when providing you with a quote. They do this because some vehicles are generally safer than others due to their structural design and curb weight.

As a midsize luxury car, the Audi A5 is comparable to models like the Acura TLX or Lincoln MKZ. Liability rates for the Audi A5 are affected by the loss percentages for each model in the class.

The IIHS reports that the Audi A5 has a property damage loss percentage of -49 percent, which is considered highly favorable among the vehicle class. As of the writing of this article, loss ratio data for bodily injury liability was not available.

What does liability insurance cost for an Audi A5?

Now that we know how liability rates are calculated, you are likely curious to know what the actual rates might be based on the level of coverage you want to have.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Audi A5 as an itemized cost on your insurance policy.

  • Low ($25,000): $101.43
  • Medium ($50,000): $121.53
  • High ($100,000): $132.48

While bodily injury liability will pay for the opposing driver’s medical expenses, you will still need to have coverage for any damage you are responsible for causing to their car. That’s where property damage liability insurance comes into play.

Take a look at the following general property damage liability quotes for the Audi A5 based on low to high coverage.

  • Low ($25,000): $107.27
  • Medium ($50,000): $104.95
  • High ($100,000): $107.65

It’s interesting to note that both forms of liability insurance for the Audi A5 fluctuate at a minimal level. Therefore, if you are on the fence between low or high coverage, it won’t impact your wallet too much if you decide to play it safe.

What are the safety features and ratings of the Audi A5?

Luxury automakers like Audi have earned a reputation for including a lot of safety features in their vehicles. Having these equipped in the car you drive often leads to better safety ratings and a more favorable insurance rate.

Take a look at the following list of safety features for the 2020 Audi A5 sourced from AutoBlog.com.

  • Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
  • Stability Control This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
  • Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
  • Side-Impact Airbags – This feature protects the torso area of the driver and passengers during a side-impact collision.
  • Knee Airbags – When deployed, these airbags protect the lower extremities of the driver and passengers inside the Audi A5. 
  • Anti-Whiplash These head restraints actively react to rear collision forces and cradle the occupants’ head in an effort to reduce the likelihood of a whiplash injury.
  • Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.
  • Anti-Theft Security – This technology anticipates and detects unwanted vehicle intrusion. The vehicle is equipped with an ignition-disable device that will prevent the engine from starting if the correct original manufacturer key is not used.

      These safety features go a long way in the event of a collision. However, it’s important to know the fatality statistics for other vehicles like the Audi A5 so you have a full understanding of how this vehicle class compares to the national average.

      The IIHS reports that out of 9,736,590 registered midsize cars, a total of 396 road fatalities have been reported for this vehicle class. Broken down, that is a fatality rate of 41 per one million registered people who drive a model like the Audi A5.

      Additionally, the impact point of a crash also plays a factor in how fatal an accident can truly be. The following statistics show how many deaths occurred based on where the crash originated.

      • Frontal Impact: 7,433 deaths  
      • Side Impact: 3,568 deaths 
      • Rear Impact: 834 deaths
      • Other (mostly rollovers): 1,303 deaths

      Driving is unpredictable in nature, but having knowledge about what can go wrong will only serve to benefit you in the long run. Beyond educating yourself, having the right auto insurance policy is the next step to take to enjoy peace of mind every time you get behind the wheel of your Audi A5. 

      What is the MSRP of the Audi A5?

      The current value of the vehicle you drive is directly tied to the amount of money you can expect to pay for insurance.

      As of the writing of this article, Kelley Blue Book (KBB) reports that the MSRP value of a 2019 Audi A5 Premium is $45,195 with a fair market value between $36,997 and $41,498.

      If you decide to buy instead of lease a new Audi A5, one thing you might want to consider is getting full coverage. A lot of drivers do this because liability insurance will not pay for any damages sustained to your vehicle. 

      Two types of coverage you can get to protect your car are collision and comprehensive insurance.

      • Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
      • Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

      When it comes to loss percentages, the Audi A5 has a collision loss percentage of 58 percent and a comprehensive loss percentage of 41 percent. This is considered above average for the vehicle class.

      How much will it cost to repair my Audi A5?

      One thing that all car-owners have in common is vehicle maintenance. Even though luxury vehicles like the Audi A5 are built to last, you still have to pay for general upkeep and repairs.

      Experts from RepairPal estimate that the annual cost of repairs for the Audi A5 is $798 per year. This includes everything from oil changes and tire rotations to major work that is needed following an accident.

      Speaking of which, if you ever found yourself in a situation where you have to pay to repair a certain part of the vehicle, the following estimates come courtesy of Instant Estimator:

      • Front Bumper: $412.60
      • Rear Bumper: $422.60
      • Hood: $377.00
      • Roof: $426.60
      • Front Door: $389.20
      • Back Door: $377.80
      • Fender: $327.40
      • Quarter Panel: $352.20

      To this point, we have gone into great detail about Audi A5 insurance and with a little luck, we’ve answered the question, “How much is insurance for an Audi A5?” 

      However, we still recognize that we might have missed something so we are curious to know, is there anything else you’d like to see us expand upon?

      If not, enter your five-digit ZIP code in our online tool to start comparing quotes for free from the industry’s top insurance providers.

      Rates by Driver Age

      Audi A5 Insurance Rates by Driver Age
      Driver Age Premium
      16 $5,514
      20 $3,500
      30 $1,574
      40 $1,498
      50 $1,368
      60 $1,346

      Full coverage, $500 deductibles

      Rates by Deductible

      Audi A5 Insurance Rates with Different Deductibles
      Deductible Premium
      $100 $1,936
      $250 $1,732
      $500 $1,498
      $1,000 $1,276

      Full coverage, driver age 40

      Rates by Liability Limit

      Audi A5 Insurance Rates with Different Liability Limits
      Liability Limit Premium
      30/60 $1,498
      50/100 $1,649
      100/300 $1,743
      250/500 $1,988
      100 CSL $1,687
      300 CSL $1,894
      500 CSL $2,044

      Full coverage, driver age 40

      Rates for High Risk Drivers

      Audi A5 Insurance Rates for High Risk Drivers
      Age Premium
      16 $7,918
      20 $5,580
      30 $3,360
      40 $3,276
      50 $3,126
      60 $3,100

      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 $218

      Potential Rate Discounts

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

      Discount Savings
      Multi-policy $82
      Multi-vehicle $80
      Homeowner $21
      5-yr Accident Free $119
      5-yr Claim Free $100
      Paid in Full/EFT $74
      Advance Quote $79
      Online Quote $109
      Total Discounts $664
      Rate after discounts $834

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

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