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Audi Q5 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...

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UPDATED: Apr 30, 2020

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Audi Q5 insurance
How much does an Audi Q5 cost to insure? Average Audi Q5 insurance rates are $1,610 a year, or $134 a month, which is more expensive than most vehicles‘ rates.

Although 2016 Audi Q5 insurance costs may be different than 2018 or 2016 Audi Q5 insurance costs, rates should still be around $1,610. Read on to learn more about Audi Q5 average rates and how to save.

To find the cheapest Audi Q5 rates in your area, enter your ZIP code in our free tool above.

U.S. average insurance prices for an Audi Q5 are $1,610 every 12 months with full coverage. Comprehensive insurance costs an estimated $362, collision costs $718, and liability coverage costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $3,500 or more. Teens pay the highest rates at $5,866 a year or more.

Average premium for full coverage: $1,610

Price estimates broken down by individual coverage:

Comprehensive $362
Collision $718
Liability $372

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for all Q5 models.

Price Range from Low to High

For the average 40-year-old driver, Audi Q5 insurance prices go from the cheapest price of $438 for the bare minimum liability coverage to the much higher price of $3,500 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,610
High Risk $3,500

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on insurance prices.

Rural Areas $1,208
Small Cities $1,691
Large Cities $2,174

The ranges above demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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 details estimated Audi Q5 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $907
  • Drivers who choose higher $1,000 deductibles will pay approximately $244 annually
  • The average price for the average middle-age driver who has $500 deductibles is $1,610
  • Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $480 each year
  • High-risk insureds with serious driving violations could pay up to $3,500 or more
  • The price to insure a teenage driver for full coverage can cost as much as $5,866 a year

View Chart as Image

Audi Q5 insurance cost comparison chart
Column chart showing full coverage Audi Q5 insurance prices range from $907 to $5,866

Auto insurance prices for an Audi Q5 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $730 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,900 to $2,600 in extra premium each year, depending on your age. Audi Q5 insurance for high-risk drivers can cost around 44% to 132% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Audi Q5 insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,180 on average in New York, Michigan, and Florida.

Audi Q5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,458 -$152 -9.4%
Alaska $1,236 -$374 -23.2%
Arizona $1,336 -$274 -17.0%
Arkansas $1,610 -$0 0.0%
California $1,838 $228 14.2%
Colorado $1,540 -$70 -4.3%
Connecticut $1,656 $46 2.9%
Delaware $1,824 $214 13.3%
Florida $2,018 $408 25.3%
Georgia $1,488 -$122 -7.6%
Hawaii $1,158 -$452 -28.1%
Idaho $1,090 -$520 -32.3%
Illinois $1,202 -$408 -25.3%
Indiana $1,214 -$396 -24.6%
Iowa $1,088 -$522 -32.4%
Kansas $1,532 -$78 -4.8%
Kentucky $2,198 $588 36.5%
Louisiana $2,386 $776 48.2%
Maine $996 -$614 -38.1%
Maryland $1,330 -$280 -17.4%
Massachusetts $1,290 -$320 -19.9%
Michigan $2,800 $1,190 73.9%
Minnesota $1,350 -$260 -16.1%
Mississippi $1,930 $320 19.9%
Missouri $1,430 -$180 -11.2%
Montana $1,732 $122 7.6%
Nebraska $1,272 -$338 -21.0%
Nevada $1,932 $322 20.0%
New Hampshire $1,162 -$448 -27.8%
New Jersey $1,802 $192 11.9%
New Mexico $1,428 -$182 -11.3%
New York $1,698 $88 5.5%
North Carolina $928 -$682 -42.4%
North Dakota $1,318 -$292 -18.1%
Ohio $1,112 -$498 -30.9%
Oklahoma $1,656 $46 2.9%
Oregon $1,476 -$134 -8.3%
Pennsylvania $1,540 -$70 -4.3%
Rhode Island $2,150 $540 33.5%
South Carolina $1,460 -$150 -9.3%
South Dakota $1,360 -$250 -15.5%
Tennessee $1,412 -$198 -12.3%
Texas $1,942 $332 20.6%
Utah $1,194 -$416 -25.8%
Vermont $1,104 -$506 -31.4%
Virginia $966 -$644 -40.0%
Washington $1,246 -$364 -22.6%
West Virginia $1,476 -$134 -8.3%
Wisconsin $1,116 -$494 -30.7%
Wyoming $1,436 -$174 -10.8%

View Chart as Image

Audi Q5 insurance rates by U.S. city

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see how they stack up. Every company calculates prices differently, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Audi Q5 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi Q5 3.2 Premium AWD $1,566 $131
Audi Q5 3.2 Premium Plus AWD $1,610 $134
Audi Q5 3.2 Premium Plus S-Line AWD $1,610 $134
Audi Q5 3.2 Prestige AWD $1,656 $138
Audi Q5 3.2 Prestige S-Line AWD $1,700 $142

Rates assume 2020 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 Q5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Audi Q5 $362 $718 $372 $1,610
2019 Audi Q5 $346 $690 $390 $1,584
2018 Audi Q5 $332 $686 $398 $1,574
2017 Audi Q5 $320 $668 $416 $1,562
2016 Audi Q5 $310 $640 $430 $1,538
2015 Audi Q5 $292 $618 $442 $1,510
2014 Audi Q5 $282 $574 $452 $1,466
2013 Audi Q5 $270 $540 $456 $1,424
2012 Audi Q5 $258 $484 $460 $1,360
2011 Audi Q5 $242 $446 $460 $1,306
2010 Audi Q5 $234 $418 $464 $1,274
2009 Audi Q5 $228 $390 $474 $1,250

Rates are averaged for all Audi Q5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Cheaper Audi Q5 Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save approximately $200 per year simply by quoting online well ahead of the renewal date
  • Drivers with multiple at-fault accidents may pay on average $1,890 more annually to buy Audi Q5 insurance
  • Increasing physical damage deductibles could save as much as $725 each year
  • Drivers age 20 and younger are the costliest to insure, costing up to $489 a month if comprehensive and collision insurance is included

To save on the average insurance cost for an Audi Q5, make sure to take the time to shop for rates so you have an Audi Q5 comparison chart of Audi rates.

To find the average price of an Audi Q5 in your area, use our free rate comparison tool below.

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What are the safety ratings of the Audi Q5?

Is an Audi Q5 a reliable SUV? Insurers care about Audi Q5 safety ratings and reliability when they calculate Audi Q5 average prices. Some of the Audi Q5’s safety features include brake assist, blind-spot monitor, auto-leveling headlights, and cross-traffic alert.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested and rated the Audi Q5. Take a look at the final ratings below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating, so the Audi Q5 did great. Watch the video below to see one of the Audi Q5’s crash tests.

Audi Q5 Compared Against Other Vehicles in the Same Class

Classified as a midsize luxury SUV, the IIHS rated the Audi Q5’s liability losses as substantially better than average. This is good, as it means the liability rates for the Q5 should be better than average.

To see how much does a Q5 cost to insure in comparison to other midsize SUVs, take a look at the vehicles below.

To find savings for a Q5 in your area, enter your ZIP code in our free rate comparison tool.


  1. https://www.iihs.org/ratings/vehicle/audi/q5-4-door-suv/2020

Rates by Driver Age

Audi Q5 Insurance Rates by Driver Age
Driver Age Premium
16 $5,866
20 $3,742
30 $1,696
40 $1,610
50 $1,470
60 $1,442

Full coverage, $500 deductibles

Rates by Deductible

Audi Q5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,090
$250 $1,868
$500 $1,610
$1,000 $1,366

Full coverage, driver age 40

Rates by Liability Limit

Audi Q5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,610
50/100 $1,774
100/300 $1,867
250/500 $2,109
100 CSL $1,812
300 CSL $2,016
500 CSL $2,165

Full coverage, driver age 40

Rates for High Risk Drivers

Audi Q5 Insurance Rates for High Risk Drivers
Age Premium
16 $8,410
20 $5,952
30 $3,592
40 $3,500
50 $3,340
60 $3,310

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 $229

Potential Rate Discounts

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

Discount Savings
Multi-policy $87
Multi-vehicle $84
Homeowner $22
5-yr Accident Free $127
5-yr Claim Free $105
Paid in Full/EFT $79
Advance Quote $83
Online Quote $116
Total Discounts $703
Rate after discounts $907

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

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