Audi S5 Insurance Rates

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.

U.S. average insurance prices for an Audi S5 are $1,294 every 12 months with full coverage. Comprehensive insurance costs on average $244, collision costs $414, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing $2,804 or more. 16-year-old drivers pay the highest rates at $4,994 a year or more.

Average premium for full coverage: $1,294

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different S5 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Rural areas have more infrequent collision claims than congested cities.

The price range example below illustrates how location impacts car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using rate averages.

Use the form below to get customized rates for your location.

More Rate Information

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

• The best full coverage rate is $753
• Using higher $1,000 deductibles will save around $148 annually
• The average price for the average middle-age driver with $500 deductibles is $1,294
• Buying more expensive low deductibles for physical damage coverage costs an extra $290 every year
• Drivers with multiple tickets or accidents could pay upwards of $2,804 or more
• The price to insure a teen driver with full coverage may cost $4,994 or more

View Chart as Image

Insurance prices for an Audi S5 are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your S5.

Opting for high physical damage deductibles could cut prices by as much as $440 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance can be as much as 44% to 129% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Audi S5 insurance prices. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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.

How to Shop for Cheap Audi S5 Insurance

Getting lower rates on car insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Spend time shopping around at every other renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the concepts that were touched on above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,510 more each year to insure their S5
• Teen drivers pay the highest prices, costing up to $416 a month if they have full coverage
• You may be able to save as much as $150 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $450 each year
• You may be able to save as much as $150 per year simply by shopping early and online

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.

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 CarIndigo.com, 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.