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: May 12, 2024

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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 including full coverage. Comprehensive costs around $228, collision costs $390, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing around $2,708. Teenage drivers pay the most at $4,854 a year or more.

Average premium for full coverage: $1,250

Premium estimates for type of coverage:

Comprehensive $228
Collision $390
Liability $474

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Q5 trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for an Audi Q5 go from as cheap as $522 for just liability coverage to a much higher rate of $2,708 for a high-risk driver policy.

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

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

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

These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code 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.

Detailed Rate Analysis

The chart below breaks down estimated Audi Q5 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $731
  • Drivers who choose higher $1,000 deductibles will pay about $140 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,250
  • Using more expensive low deductibles for comprehensive and collision insurance will cost $1,522
  • High-risk insureds who are prone to accidents and violations could pay at least $2,708 or more
  • An auto insurance policy with full coverage for a teenage driver with full coverage can be $4,854 a year

View Chart as Image

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

Insurance prices for an Audi Q5 also have a wide range based on the model of your Q5, your driving characteristics, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $420 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Audi Q5 insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,780 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out your exact price is to compare prices and see how they stack up. Every company uses a different method to calculate prices, and prices will be substantially different between companies.

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 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.

Audi Q5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi Q5 $362 $718 $372 $1,610
2023 Audi Q5 $346 $690 $390 $1,584
2022 Audi Q5 $332 $686 $398 $1,574
2021 Audi Q5 $320 $668 $416 $1,562
2020 Audi Q5 $310 $640 $430 $1,538
2019 Audi Q5 $292 $618 $442 $1,510
2018 Audi Q5 $282 $574 $452 $1,466
2017 Audi Q5 $270 $540 $456 $1,424
2016 Audi Q5 $258 $484 $460 $1,360
2015 Audi Q5 $242 $446 $460 $1,306
2014 Audi Q5 $234 $418 $464 $1,274
2013 Audi Q5 $228 $390 $474 $1,250
2012 Audi Q5 $210 $362 $474 $1,204
2011 Audi Q5 $206 $328 $478 $1,170
2010 Audi Q5 $192 $300 $474 $1,124

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

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the information covered in the above illustrations.

  • You may be able to save up to $150 per year simply by shopping early and online
  • Teenagers are charged the highest prices, with the cost nearing $405 per month if they have full coverage
  • Increasing policy deductibles could save up to $400 each year
  • Drivers that tend to have accidents or serious violations may pay on average $1,460 more every year for car insurance
  • Consumers who may need higher liability limits will pay an extra $520 per year to go from 30/60 bodily injury limits to higher 250/500 limits

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

  1. https://www.iihs.org/ratings/vehicle/audi/q5-4-door-suv/2020

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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