Audi Q5 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 4, 2023

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Audi Q5 insurance
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.

Estimated auto insurance rates for an Audi Q5 are $1,250 annually for full coverage insurance. Comprehensive insurance costs on average $228 a year, collision insurance costs $390, and liability coverage costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs $2,708 or more. Teenage drivers pay the most at up to $4,854 a year.

Average premium for full coverage: $1,250

Premium estimates by type of coverage:

Comprehensive $228
Collision $390
Liability $474

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Q5 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for an Audi Q5 range from as cheap as $522 for just liability insurance to a high of $2,708 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,250
High Risk $2,708

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $938
Small Cities $1,313
Large Cities $1,688

These rate differences illustrate why it is important to compare prices based on a 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 Details

The chart below illustrates average Audi Q5 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $731
  • Using higher $1,000 deductibles will save around $1,110 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,250
  • Using low $100 deductibles for physical damage coverage costs an additional $272 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,708
  • An auto insurance policy with full coverage for a teenage driver may cost $4,854 or more

View Chart as Image

Audi Q5 insurance cost comparison chart
Column chart showing Audi Q5 insurance prices range from $731 to $4,854 for full coverage

Car insurance prices for an Audi Q5 also have a wide range based on the model of your Q5, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $420 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Audi Q5 insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,690 on average in Michigan, New York, and Florida.

Audi Q5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,130 -$120 -9.6%
Alaska $956 -$294 -23.5%
Arizona $1,036 -$214 -17.1%
Arkansas $1,250 -$0 0.0%
California $1,424 $174 13.9%
Colorado $1,194 -$56 -4.5%
Connecticut $1,284 $34 2.7%
Delaware $1,416 $166 13.3%
Florida $1,564 $314 25.1%
Georgia $1,152 -$98 -7.8%
Hawaii $898 -$352 -28.2%
Idaho $844 -$406 -32.5%
Illinois $930 -$320 -25.6%
Indiana $940 -$310 -24.8%
Iowa $844 -$406 -32.5%
Kansas $1,188 -$62 -5.0%
Kentucky $1,704 $454 36.3%
Louisiana $1,850 $600 48.0%
Maine $770 -$480 -38.4%
Maryland $1,030 -$220 -17.6%
Massachusetts $1,000 -$250 -20.0%
Michigan $2,172 $922 73.8%
Minnesota $1,044 -$206 -16.5%
Mississippi $1,496 $246 19.7%
Missouri $1,108 -$142 -11.4%
Montana $1,342 $92 7.4%
Nebraska $986 -$264 -21.1%
Nevada $1,500 $250 20.0%
New Hampshire $900 -$350 -28.0%
New Jersey $1,396 $146 11.7%
New Mexico $1,108 -$142 -11.4%
New York $1,316 $66 5.3%
North Carolina $720 -$530 -42.4%
North Dakota $1,024 -$226 -18.1%
Ohio $864 -$386 -30.9%
Oklahoma $1,284 $34 2.7%
Oregon $1,144 -$106 -8.5%
Pennsylvania $1,194 -$56 -4.5%
Rhode Island $1,666 $416 33.3%
South Carolina $1,132 -$118 -9.4%
South Dakota $1,056 -$194 -15.5%
Tennessee $1,096 -$154 -12.3%
Texas $1,506 $256 20.5%
Utah $924 -$326 -26.1%
Vermont $856 -$394 -31.5%
Virginia $748 -$502 -40.2%
Washington $968 -$282 -22.6%
West Virginia $1,144 -$106 -8.5%
Wisconsin $866 -$384 -30.7%
Wyoming $1,114 -$136 -10.9%

View Chart as Image

Audi Q5 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Audi Q5 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi Q5 3.2 Premium AWD $1,226 $102
Audi Q5 3.2 Premium Plus AWD $1,250 $104
Audi Q5 3.2 Premium Plus S-Line AWD $1,250 $104
Audi Q5 3.2 Prestige AWD $1,274 $106
Audi Q5 3.2 Prestige S-Line AWD $1,300 $108

Rates assume 2012 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 Q5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Audi Q5 $228 $390 $474 $1,250
2011 Audi Q5 $210 $362 $474 $1,204

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 the Best Cheap Audi Q5 Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

Below is a quick review of the concepts that were raised in the charts and tables above.

  • Drivers with a DUI or reckless driving violation may pay on average $1,460 more each year for auto insurance
  • Teenage drivers are expensive to insure, with premiums being up to $405 per month if comprehensive and collision insurance is included
  • It is possible to save as much as $150 per year just by quoting early and online
  • Increasing policy deductibles could save up to $400 each year
  • It is possible to save as much as $150 per year just by quoting early and online

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.



Rates by Driver Age

Audi Q5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,854
20 $2,884
30 $1,288
40 $1,250
50 $1,144
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

Audi Q5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,522
$250 $1,396
$500 $1,250
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Audi Q5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,250
50/100 $1,395
100/300 $1,513
250/500 $1,821
100 CSL $1,442
300 CSL $1,703
500 CSL $1,893

Full coverage, driver age 40

Rates for High Risk Drivers

Audi Q5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,892
20 $4,600
30 $2,750
40 $2,708
50 $2,588
60 $2,564

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $81
Paid in Full/EFT $52
Advance Quote $59
Online Quote $87
Total Discounts $519
Rate after discounts $731

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

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