Audi Q5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.
Average insurance prices for an Audi Q5 are $1,204 every 12 months for full coverage. Comprehensive costs around $210 a year, collision costs $362, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage for high-risk drivers costing around $2,612. Teens receive the highest rates at $4,720 a year or more.
Average premium for full coverage: $1,204
Rate estimates for individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Q5 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $522 for liability-only coverage to a high of $2,612 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects auto insurance rates.
These examples show why it is important to compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.
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 Charts and Tables
The chart below shows estimated Audi Q5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $707
- Drivers who choose higher $1,000 deductibles will pay about $1,074 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,204
- Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,456
- High risk drivers with serious driving violations could pay at least $2,612 or more
- The cost to insure a teen driver can be $4,720 a year
Insurance rates for an Audi Q5 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $390 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 129% more than the average policy. View High Risk Driver Rates
Where you live 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 Idaho, Maine, and Iowa, or have to pay at least $1,720 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, and rates can be significantly different.
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 Shop for Low Cost Audi Q5 Insurance
Saving money on Audi Q5 insurance not only requires having a decent driving record, but also having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Take the time to comparison shop at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a review of the car insurance concepts touched on in the above illustrations.
- High-risk drivers who have several accidents or serious violations may pay on average $1,410 more every year than a driver with a clean driving record
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing deductibles could save as much as $375 each year
- Drivers who may need additional liability coverage will pay approximately $520 each year to go from a minimum limit to a 250/500 level
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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