Audi S5 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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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 insurance rates for an Audi S5 are $1,240 a year for full coverage. Comprehensive costs on average $228 a year, collision costs $380, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,682. Teen drivers receive the highest rates at $4,812 a year or more.

Average premium for full coverage: $1,240

Rate estimates by individual coverage type:

Comprehensive $228
Collision $380
Liability $474

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and S5 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $522 for only liability insurance to a high of $2,682 for a high risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Audi S5 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $726
  • Drivers who choose higher $1,000 deductibles will pay around $1,100 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,240
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,506
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,682 or more
  • The cost for full coverage for a teen driver may cost $4,812 a year

View Chart as Image

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

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

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,800 a year. View Rates by Age

Where you live makes a big difference in Audi S5 insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,770 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $410 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 Find Cheaper Audi S5 Insurance

Saving money on Audi S5 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $400 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $401 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,440 more each year for insurance

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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