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.

The average auto insurance rates for an Audi S5 are $1,190 annually for full coverage insurance. Comprehensive insurance costs on average $214, collision costs $344, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,574 or more. 16-year-old drivers cost the most to insure at $4,654 a year or more.

Average premium for full coverage: $1,190

Policy rates by type of insurance:

Comprehensive $214
Collision $344
Liability $474

Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different S5 trim levels.

Price Range Variability

For the average 40-year-old driver, Audi S5 insurance rates go from as cheap as $522 for the bare minimum liability coverage to a much higher rate of $2,574 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,190
High Risk $2,574

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities.

The price range example below illustrates the difference location can make on car insurance rates.

Rural Areas $893
Small Cities $1,250
Large Cities $1,607

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using 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 Information

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

  • The best full coverage rate is $701
  • Using higher $1,000 deductibles will save around $128 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,190
  • Buying more expensive low deductibles for physical damage coverage costs an additional $246 each year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,574 or more
  • Policy cost with full coverage for a teenage driver with full coverage may cost $4,654 or more

View Chart as Image

Audi S5 insurance cost comparison chart
Column chart showing full coverage Audi S5 insurance prices range from $701 to $4,654

Insurance rates for an Audi S5 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be around 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $380 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi S5 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,610 on average in Michigan, New York, and Florida.

Audi S5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,076 -$114 -9.6%
Alaska $912 -$278 -23.4%
Arizona $988 -$202 -17.0%
Arkansas $1,190 -$0 0.0%
California $1,356 $166 13.9%
Colorado $1,136 -$54 -4.5%
Connecticut $1,224 $34 2.9%
Delaware $1,348 $158 13.3%
Florida $1,490 $300 25.2%
Georgia $1,098 -$92 -7.7%
Hawaii $854 -$336 -28.2%
Idaho $804 -$386 -32.4%
Illinois $886 -$304 -25.5%
Indiana $896 -$294 -24.7%
Iowa $802 -$388 -32.6%
Kansas $1,132 -$58 -4.9%
Kentucky $1,624 $434 36.5%
Louisiana $1,760 $570 47.9%
Maine $734 -$456 -38.3%
Maryland $980 -$210 -17.6%
Massachusetts $950 -$240 -20.2%
Michigan $2,068 $878 73.8%
Minnesota $996 -$194 -16.3%
Mississippi $1,424 $234 19.7%
Missouri $1,056 -$134 -11.3%
Montana $1,278 $88 7.4%
Nebraska $938 -$252 -21.2%
Nevada $1,426 $236 19.8%
New Hampshire $856 -$334 -28.1%
New Jersey $1,328 $138 11.6%
New Mexico $1,054 -$136 -11.4%
New York $1,254 $64 5.4%
North Carolina $686 -$504 -42.4%
North Dakota $976 -$214 -18.0%
Ohio $822 -$368 -30.9%
Oklahoma $1,222 $32 2.7%
Oregon $1,090 -$100 -8.4%
Pennsylvania $1,136 -$54 -4.5%
Rhode Island $1,586 $396 33.3%
South Carolina $1,078 -$112 -9.4%
South Dakota $1,004 -$186 -15.6%
Tennessee $1,042 -$148 -12.4%
Texas $1,434 $244 20.5%
Utah $880 -$310 -26.1%
Vermont $816 -$374 -31.4%
Virginia $712 -$478 -40.2%
Washington $922 -$268 -22.5%
West Virginia $1,090 -$100 -8.4%
Wisconsin $824 -$366 -30.8%
Wyoming $1,060 -$130 -10.9%

View Chart as Image

Audi S5 insurance rates by U.S. city

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied between companies.

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 $1,184 $99
Audi S5 4.2 Quattro 2-Dr Coupe $1,184 $99
Audi S5 3.0 Quattro 2-Dr Convertible $1,154 $96
Audi S5 4.2 Quattro 2-Dr Coupe $1,202 $100
Audi S5 4.2 Quattro 2-Dr Coupe $1,202 $100
Audi S5 3.0 Quattro 2-Dr Convertible $1,172 $98

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 $250 $456 $474 $1,338
2009 Audi S5 $214 $344 $474 $1,190

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 Affordable Audi S5 Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having good credit, being claim-free, and insuring your home and auto with the same company. Make time to compare rates every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the coverage data touched on in this article.

  • It is possible to save as much as $140 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $375 each year
  • Drivers age 20 and younger pay higher rates, possibly costing $388 each month if they have full coverage
  • Drivers with DUI or reckless driving convictions may pay on average $1,380 more each year to buy Audi S5 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 $4,654
20 $2,736
30 $1,224
40 $1,190
50 $1,090
60 $1,068

Full coverage, $500 deductibles

Rates by Deductible

Audi S5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,436
$250 $1,322
$500 $1,190
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

Audi S5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,190
50/100 $1,267
100/300 $1,385
250/500 $1,693
100 CSL $1,314
300 CSL $1,575
500 CSL $1,765

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,596
20 $4,366
30 $2,608
40 $2,574
50 $2,460
60 $2,436

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 $164

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $56
Online Quote $83
Total Discounts $489
Rate after discounts $701

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

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