Audi S5 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 7, 2023

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How much is insurance on an Audi S5? Audi S5 insurance rates are expensive. The average cost of Audi S5 full coverage is $1,814 a year, or $151 a month. If these high rates make you wince, don’t worry.

Our comprehensive guide dissects Audi S5 insurance costs to help you save. From driving records to Audi S5 crash tests, it is all covered here. Read on.

Want to jump right into comparing Audi S5 insurance rates? Enter your ZIP code in our free tool above.

Average auto insurance rates for an Audi S5 are $1,240 annually for full coverage. Comprehensive insurance costs an estimated $228 each year, collision insurance costs $380, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs $2,682 or more. 16-year-old drivers receive the highest rates at up to $4,812 a year.

Average premium for full coverage: $1,240

Rate estimates broken down by individual coverage type:

Comprehensive $228
Collision $380
Liability $474

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and S5 models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $522 for just the minimum liability insurance to a high rate of $2,682 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,240
High Risk $2,682

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than congested cities. The graphic below illustrates how your location can change insurance prices.

Rural Areas $930
Small Cities $1,302
Large Cities $1,674

These examples show why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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 Analysis

The chart below shows average Audi S5 insurance rates for other coverage scenarios.

  • The best full coverage rate is $726
  • Using higher $1,000 deductibles will save approximately $140 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,240
  • Buying low deductibles for physical damage coverage costs an additional $266 annually
  • High-risk insureds with multiple tickets or accidents could pay up to $2,682
  • The cost with full coverage for a 16-year-old driver can cost as much as $4,812 or more

View Chart as Image

Audi S5 insurance cost comparison chart
Column chart showing Audi S5 insurance prices range from $726 to $4,812 for full coverage

Insurance rates for an Audi S5 can also vary considerably based on the trim level of your S5, your driver profile, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $410 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Audi S5 insurance prices. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or at least $1,770 on average in New York, Louisiana, and Michigan.

Audi S5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,120 -$120 -9.7%
Alaska $948 -$292 -23.5%
Arizona $1,026 -$214 -17.3%
Arkansas $1,240 -$0 0.0%
California $1,412 $172 13.9%
Colorado $1,184 -$56 -4.5%
Connecticut $1,274 $34 2.7%
Delaware $1,402 $162 13.1%
Florida $1,550 $310 25.0%
Georgia $1,142 -$98 -7.9%
Hawaii $890 -$350 -28.2%
Idaho $836 -$404 -32.6%
Illinois $922 -$318 -25.6%
Indiana $932 -$308 -24.8%
Iowa $836 -$404 -32.6%
Kansas $1,178 -$62 -5.0%
Kentucky $1,690 $450 36.3%
Louisiana $1,832 $592 47.7%
Maine $764 -$476 -38.4%
Maryland $1,020 -$220 -17.7%
Massachusetts $990 -$250 -20.2%
Michigan $2,150 $910 73.4%
Minnesota $1,036 -$204 -16.5%
Mississippi $1,482 $242 19.5%
Missouri $1,098 -$142 -11.5%
Montana $1,330 $90 7.3%
Nebraska $976 -$264 -21.3%
Nevada $1,484 $244 19.7%
New Hampshire $892 -$348 -28.1%
New Jersey $1,384 $144 11.6%
New Mexico $1,098 -$142 -11.5%
New York $1,306 $66 5.3%
North Carolina $712 -$528 -42.6%
North Dakota $1,014 -$226 -18.2%
Ohio $854 -$386 -31.1%
Oklahoma $1,272 $32 2.6%
Oregon $1,134 -$106 -8.5%
Pennsylvania $1,182 -$58 -4.7%
Rhode Island $1,652 $412 33.2%
South Carolina $1,122 -$118 -9.5%
South Dakota $1,046 -$194 -15.6%
Tennessee $1,084 -$156 -12.6%
Texas $1,492 $252 20.3%
Utah $916 -$324 -26.1%
Vermont $850 -$390 -31.5%
Virginia $742 -$498 -40.2%
Washington $958 -$282 -22.7%
West Virginia $1,134 -$106 -8.5%
Wisconsin $858 -$382 -30.8%
Wyoming $1,104 -$136 -11.0%

View Chart as Image

Audi S5 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Audi S5 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S5 4.2 Quattro 2-Dr Coupe $1,232 $103
Audi S5 4.2 Quattro 2-Dr Coupe $1,232 $103
Audi S5 3.0 Quattro 2-Dr Convertible $1,200 $100
Audi S5 4.2 Quattro 2-Dr Coupe $1,252 $104
Audi S5 4.2 Quattro 2-Dr Coupe $1,252 $104
Audi S5 3.0 Quattro 2-Dr Convertible $1,220 $102

Rates assume 2009 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 S5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Audi S5 $270 $492 $474 $1,394
2009 Audi S5 $228 $380 $474 $1,240

Rates are averaged for all Audi S5 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 Cheapest Audi S5 Insurance

Saving money on insurance for an Audi S5 requires being safe and accident-free, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to shop around once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a recap of the data that was illustrated above.

  • Drivers can save approximately $150 per year just by quoting online in advance
  • Insureds who want more liability protection will pay around $520 each year to increase from a minimum limit to higher 250/500 limits
  • Youthful drivers are expensive to insure, costing as high as $401 per month if they have full coverage
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,440 more annually than a low-risk driver

Just by getting quotes, you can save an average of $230 a year. What are the cheapest car insurance companies? Shopping for quotes will help you find out. Getting quotes allows you to compare rates from major companies like Geico or Progressive, discover rates for different Audi models, and more.

So if you are looking to see how much is car insurance for an Audi A4 or Audi A5 insurance cost, get quotes. If you want to get started on finding quotes from car insurance companies in your area, enter your ZIP code in our free tool below.

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Audi S5 Size and Class and Liability Insurance

What does liability insurance cover? Since liability insurance pays for repairs to others’ vehicles and their injury bills if you cause an accident, you will have higher liability rates if your car can do significant damage to others. The Audi S5 is a midsize luxury car, so while it isn’t big and heavy, luxury cars generally have higher rates.

Why? Luxury cars have stronger engines, which means drivers are more likely to speed and end up in an accident. So if you are asking questions like how fast is the Audi s5 Sportback, remember that insurers are also asking this. Luckily, if a luxury car has good insurance losses (meaning few claims are filed), this can offset the higher rates for luxury cars.

The Insurance Institute for Highway Safety (IIHS) data on insurance losses by make and model recorded the property damage loss for the Audi S5 4dr 4WD hatchback as -32 percent, which is substantially better than average. To see if this insurance loss results in lower insurance rates, keep reading.

Audi S5 Liability Rates

We went ahead and pulled rates from Geico for a 2020 Audi S5 Quattro convertible. The quote was for a 40-year-old male driver who owns his car, has a clean driving record, and travels 13,000 miles a year.

Below, you can see rates for six months of bodily injury liability coverage.

  • Low ($15,000/$30,000): $39.18
  • Medium ($100,000/$200,000): $80.32
  • High ($500,000/$500,000): $129.31

It will cost an average of $90 to upgrade bodily injury coverage on an Audi S5 from low to high. This isn’t terrible, as it means an extra $15 a month. Next, take a look at the rates for property damage liability coverage.

  • Low ($5,000): $439.40
  • Medium ($20,000): $469.29
  • High ($100,000): $491.12

It only costs $52 to upgrade from low to high property damage liability, or $8 a month. Overall, the prices for the Audi S5 aren’t bad at all, and shopping around can help bring costs down further. Keep reading learn more about what determines the price of car insurance.

Audi S5 Safety Features and Ratings

Whenever drivers shop for a car, it is important to look at the safety features that will either protect the driver and passengers in a crash or prevent a crash from happening. Safety features like these will reduce drivers’ insurance rates. According to, the Audi S5 has the following safety features:

  • Audi active lane assist
  • Audi pre-sense technology
  • Audi adaptive cruise control
  • Audi park steering assist
  • Audi side assist
  • Sport adaptive damping suspension

Good vehicle crash test ratings can also help drivers earn discounts. Unfortunately, the IIHS has not yet tested the Audi S5. This means that the Audi S5 may be judged based on overall crash ratings and fatalities for cars.

The IIHS’s 2018 data found that per million vehicles, there were 48 car driver fatalities, 34 pickup driver fatalities, and 23 SUV driver fatalities. All occupant fatalities per million vehicles equaled 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

These averages are based on total fatalities: 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Take a look at the 13,138 car fatalities by crash type.

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

Frontal impacts and side impacts cause the most fatalities. This is why safety features earn discounts, as they can help drivers avoid impacts.

Audi S5 Manufacturer Suggested Retail Price

The manufacturer suggested retail price (MSRP) is important when it comes to insurance rates. The MSRP helps insurers determine how much it will cost to repair or replace a vehicle, such as how much is an Audi S5 Sportback, and what will it cost to repair it? An expensive car with a high MSRP will have higher collision and comprehensive rates, as these two coverages pay for your vehicle repairs after accidents.

When you are looking for an Audi S5 for sale, make sure to check the MSRP and the fair market price (what you should be paying). Kelley Blue Book (KBB) listed the MSRP and other prices for the 2019 Audi S5 sedan as:

  • MSRP: $53,395
  • Invoice Price: $50,251
  • Fair Purchase Price: $46,976
  • Fair Market Range: $44,495 to $49,456

The MSRP is high. Unfortunately, the collision and comprehensive insurance losses for the Audi S5 are also high. This combination can make for expensive rates. It is also concerning because high rates mean the Audi S5 has a history of filed crash claims.

The IIHS’s data on collision losses is below.

  • Audi S5 2dr 4WD: 93 percent (substantially worse than average)
  • Audi S5 4dr 4WD hatchback: 87 percent (substantially worse than average)
  • Audi S5 convertible 4WD: 51 percent (substantially worse than average)

These losses are all poor, as a good loss is negative. The comprehensive losses are also terrible.

  • Audi S5 2dr 4WD: 120 percent (substantially worse than average)
  • Audi S5 4dr 4WD hatchback: 78 percent (substantially worse than average)

Overall, you can expect poor rates for an Audi S5, so make sure to shop around to reduce costs.

Audi S5 Repair Costs

Being prepared for average annual repair costs will make sure you aren’t blindsided by expensive bills. Unfortunately, RepairPal’s reliability rating of the Audi S5 was only two out of five.

The average annual repair and maintenance costs for the Audi S5 are $1,164. This is expensive, as the average annual repair costs for midsize luxury cars is $739. To help reduce repair costs, make sure to shop around for repair shop estimates, just like you would for insurance rates.

Now that we are at the end of our Audi S5 insurance rate guide, you should have a better idea of if an Audi S5 is the right car for you and how to save on insurance.

Check out our site for reviews of other cars that will help you answer questions like is an Audi A5 considered a sports car or is an Audi A5 worth the money. So if you want to know is an Audi A5 a good car, read our reviews.

To get started on finding cheap Audi S5 insurance rates, enter your ZIP code in our free rate comparison tool.

Rates by Driver Age

Audi S5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,812
20 $2,852
30 $1,276
40 $1,240
50 $1,132
60 $1,110

Full coverage, $500 deductibles

Rates by Deductible

Audi S5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,506
$250 $1,382
$500 $1,240
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Audi S5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,240
50/100 $1,315
100/300 $1,433
250/500 $1,741
100 CSL $1,362
300 CSL $1,623
500 CSL $1,813

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,828
20 $4,552
30 $2,722
40 $2,682
50 $2,562
60 $2,536

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $80
Paid in Full/EFT $51
Advance Quote $59
Online Quote $87
Total Discounts $514
Rate after discounts $726

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

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