Audi Q5 Insurance Rates
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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 auto insurance rates for an Audi Q5 are $1,204 annually for full coverage. Comprehensive insurance costs approximately $210, collision costs $362, and liability coverage costs $474. Liability-only insurance costs as little as $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:
These estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Q5 models.
Price Range from Low to High
For the average 40-year-old driver, Audi Q5 insurance prices go from as cheap as $522 for your basic liability-only policy to the much higher price of $2,612 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural locations have fewer accident claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance prices.
The ranges above show why everyone should compare rates using their specific location and their own personal driving habits, 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 Information
The chart below shows estimated Audi Q5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $707
- Drivers who choose higher $1,000 deductibles will pay $130 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,204
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $252 each year
- High-risk insureds who are prone to accidents and violations could pay around $2,612 or more
- The price with full coverage for a teenage driver for full coverage can cost $4,720 a year
Car insurance prices for an Audi Q5 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Audi Q5 insurance for high-risk drivers can cost around 42% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $390 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury 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
The state you live in makes a big difference in Audi Q5 insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, 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% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.
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 Buy Cheap Audi Q5 Insurance
Getting lower rates on auto insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the primary concepts that were touched on in this article.
- Drivers can save around $140 per year simply by quoting online well ahead of the renewal date
- Drivers that tend to have accidents or serious violations pay on average $1,410 more per year to buy Audi Q5 insurance
- Increasing physical damage deductibles could save up to $375 each year
- Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $393 a month if comprehensive and collision insurance 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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