Audi A5 Insurance Rates

When the time comes to figure out how much Audi A5 insurance costs, you might be left with more questions than answers. In order to streamline your search for a quality provider and help you determine if you should have full coverage or liability alone, we have prepared this in-depth guide.

This article will inform you about average insurance rates for the Audi A5, how the size and class of the vehicle play a factor, what liability insurance costs for the Audi A5, its safety features, MSRP value, and repair estimates.

By the time you have finished reading through this piece, you will be better equipped to find the right insurance provider for a good rate. In fact, you can start comparing quotes right now by taking advantage of our free online quote tool.

The average auto insurance rates for an Audi A5 are $1,070 annually for full coverage insurance. Comprehensive insurance costs an estimated $206, collision costs $326, and liability costs around $402. A liability-only policy costs as low as $446 a year, with high-risk insurance costing $2,312 or more. Teen drivers cost the most to insure at $4,124 a year or more.

Average premium for full coverage: $1,070

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different A5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Audi A5 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $629
• Using higher $1,000 deductibles will save approximately $122 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,070
• Choosing more expensive low deductibles for physical damage coverage costs an additional $234 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,312 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,124 or more

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Car insurance rates for an Audi A5 also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,100 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 $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can be as much as 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $360 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi A5 insurance prices. A driver around age 40 might see rates as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,440 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy More Affordable Audi A5 Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit score, being claim-free, and not having any coverage lapses. Take the time to comparison shop at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a summary of the data touched on in the above illustrations.

• Policyholders who want an increased level of liability coverage will pay about $440 annually to increase from a 30/60 limit to higher 250/500 limits
• It is possible to save approximately $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers age 16 to 20 have the highest car insurance rates, possibly costing $344 each month if comprehensive and collision insurance is included

Now that we have gone into detail about what average Audi A5 insurance rates look like based on age, location, and driving history, you might be curious about other contributing factors that determine rates.

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How does the size and class of the Audi A5 affect liability rates?

The Insurance Institute for Highway Safety (IIHS) classifies the Audi A5 as a midsize luxury car. This is important to know because the size of the vehicle you drive ultimately determines how much money you will pay for the most basic form of coverage, which is called auto liability insurance.

Insurance providers will take the size and class of the Audi A5 into consideration when providing you with a quote. They do this because some vehicles are generally safer than others due to their structural design and curb weight.

As a midsize luxury car, the Audi A5 is comparable to models like the Acura TLX or Lincoln MKZ. Liability rates for the Audi A5 are affected by the loss percentages for each model in the class.

The IIHS reports that the Audi A5 has a property damage loss percentage of -49 percent, which is considered highly favorable among the vehicle class. As of the writing of this article, loss ratio data for bodily injury liability was not available.

What does liability insurance cost for an Audi A5?

Now that we know how liability rates are calculated, you are likely curious to know what the actual rates might be based on the level of coverage you want to have.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Audi A5 as an itemized cost on your insurance policy.

• Low ($25,000): $101.43
• Medium ($50,000): $121.53
• High ($100,000): $132.48

While bodily injury liability will pay for the opposing driver’s medical expenses, you will still need to have coverage for any damage you are responsible for causing to their car. That’s where property damage liability insurance comes into play.

Take a look at the following general property damage liability quotes for the Audi A5 based on low to high coverage.

• Low ($25,000): $107.27
• Medium ($50,000): $104.95
• High ($100,000): $107.65

It’s interesting to note that both forms of liability insurance for the Audi A5 fluctuate at a minimal level. Therefore, if you are on the fence between low or high coverage, it won’t impact your wallet too much if you decide to play it safe.

What are the safety features and ratings of the Audi A5?

Luxury automakers like Audi have earned a reputation for including a lot of safety features in their vehicles. Having these equipped in the car you drive often leads to better safety ratings and a more favorable insurance rate.

Take a look at the following list of safety features for the 2020 Audi A5 sourced from AutoBlog.com.

• Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
• Stability Control – This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
• Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
• Side-Impact Airbags – This feature protects the torso area of the driver and passengers during a side-impact collision.
• Knee Airbags – When deployed, these airbags protect the lower extremities of the driver and passengers inside the Audi A5. 
• Anti-Whiplash – These head restraints actively react to rear collision forces and cradle the occupants’ head in an effort to reduce the likelihood of a whiplash injury.
• Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.
• Anti-Theft Security – This technology anticipates and detects unwanted vehicle intrusion. The vehicle is equipped with an ignition-disable device that will prevent the engine from starting if the correct original manufacturer key is not used.

These safety features go a long way in the event of a collision. However, it’s important to know the fatality statistics for other vehicles like the Audi A5 so you have a full understanding of how this vehicle class compares to the national average.

The IIHS reports that out of 9,736,590 registered midsize cars, a total of 396 road fatalities have been reported for this vehicle class. Broken down, that is a fatality rate of 41 per one million registered people who drive a model like the Audi A5.

Additionally, the impact point of a crash also plays a factor in how fatal an accident can truly be. The following statistics show how many deaths occurred based on where the crash originated.

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

Driving is unpredictable in nature, but having knowledge about what can go wrong will only serve to benefit you in the long run. Beyond educating yourself, having the right auto insurance policy is the next step to take to enjoy peace of mind every time you get behind the wheel of your Audi A5. 

What is the MSRP of the Audi A5?

The current value of the vehicle you drive is directly tied to the amount of money you can expect to pay for insurance.

As of the writing of this article, Kelley Blue Book (KBB) reports that the MSRP value of a 2019 Audi A5 Premium is $45,195 with a fair market value between $36,997 and $41,498.

If you decide to buy instead of lease a new Audi A5, one thing you might want to consider is getting full coverage. A lot of drivers do this because liability insurance will not pay for any damages sustained to your vehicle. 

Two types of coverage you can get to protect your car are collision and comprehensive insurance.

• Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
• Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

When it comes to loss percentages, the Audi A5 has a collision loss percentage of 58 percent and a comprehensive loss percentage of 41 percent. This is considered above average for the vehicle class.

How much will it cost to repair my Audi A5?

One thing that all car-owners have in common is vehicle maintenance. Even though luxury vehicles like the Audi A5 are built to last, you still have to pay for general upkeep and repairs.

Experts from RepairPal estimate that the annual cost of repairs for the Audi A5 is $798 per year. This includes everything from oil changes and tire rotations to major work that is needed following an accident.

Speaking of which, if you ever found yourself in a situation where you have to pay to repair a certain part of the vehicle, the following estimates come courtesy of Instant Estimator:

• Front Bumper: $412.60
• Rear Bumper: $422.60
• Hood: $377.00
• Roof: $426.60
• Front Door: $389.20
• Back Door: $377.80
• Fender: $327.40
• Quarter Panel: $352.20

To this point, we have gone into great detail about Audi A5 insurance and with a little luck, we’ve answered the question, “How much is insurance for an Audi A5?” 

However, we still recognize that we might have missed something so we are curious to know, is there anything else you’d like to see us expand upon?

If not, enter your five-digit ZIP code in our online tool to start comparing quotes for free from the industry’s top insurance providers.