Audi Q5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 12, 2024
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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.
Average insurance rates for an Audi Q5 are $1,170 a year including full coverage. Comprehensive costs around $206, collision insurance costs $328, and liability costs $478. Buying just liability costs as little as $526 a year, and insurance for high-risk drivers costs around $2,532. Teenage drivers receive the highest rates at up to $4,602 a year.
Average premium for full coverage: $1,170
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Q5 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the low end price of $526 for liability-only coverage to a much higher rate of $2,532 for a high-risk driver policy.
Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on average rates.
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 Charts and Tables
The chart below breaks down average Audi Q5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $691
- Drivers who choose higher $1,000 deductibles will pay about $122 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,170
- Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,404
- Drivers who are prone to accidents and violations could pay at least $2,532
- The cost that insures a 16-year-old driver with full coverage can be $4,602 a year
Auto insurance rates for an Audi Q5 can also vary considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,600 a year. View Rates by Age
Where you live makes a big difference in Audi Q5 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,670 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,060 | -$110 | -9.4% |
| Alaska | $898 | -$272 | -23.2% |
| Arizona | $970 | -$200 | -17.1% |
| Arkansas | $1,170 | -$0 | 0.0% |
| California | $1,332 | $162 | 13.8% |
| Colorado | $1,118 | -$52 | -4.4% |
| Connecticut | $1,202 | $32 | 2.7% |
| Delaware | $1,324 | $154 | 13.2% |
| Florida | $1,462 | $292 | 25.0% |
| Georgia | $1,080 | -$90 | -7.7% |
| Hawaii | $840 | -$330 | -28.2% |
| Idaho | $792 | -$378 | -32.3% |
| Illinois | $870 | -$300 | -25.6% |
| Indiana | $880 | -$290 | -24.8% |
| Iowa | $788 | -$382 | -32.6% |
| Kansas | $1,112 | -$58 | -5.0% |
| Kentucky | $1,596 | $426 | 36.4% |
| Louisiana | $1,730 | $560 | 47.9% |
| Maine | $720 | -$450 | -38.5% |
| Maryland | $966 | -$204 | -17.4% |
| Massachusetts | $936 | -$234 | -20.0% |
| Michigan | $2,032 | $862 | 73.7% |
| Minnesota | $980 | -$190 | -16.2% |
| Mississippi | $1,402 | $232 | 19.8% |
| Missouri | $1,038 | -$132 | -11.3% |
| Montana | $1,258 | $88 | 7.5% |
| Nebraska | $922 | -$248 | -21.2% |
| Nevada | $1,402 | $232 | 19.8% |
| New Hampshire | $842 | -$328 | -28.0% |
| New Jersey | $1,310 | $140 | 12.0% |
| New Mexico | $1,036 | -$134 | -11.5% |
| New York | $1,232 | $62 | 5.3% |
| North Carolina | $674 | -$496 | -42.4% |
| North Dakota | $958 | -$212 | -18.1% |
| Ohio | $808 | -$362 | -30.9% |
| Oklahoma | $1,202 | $32 | 2.7% |
| Oregon | $1,072 | -$98 | -8.4% |
| Pennsylvania | $1,118 | -$52 | -4.4% |
| Rhode Island | $1,560 | $390 | 33.3% |
| South Carolina | $1,060 | -$110 | -9.4% |
| South Dakota | $988 | -$182 | -15.6% |
| Tennessee | $1,026 | -$144 | -12.3% |
| Texas | $1,412 | $242 | 20.7% |
| Utah | $868 | -$302 | -25.8% |
| Vermont | $800 | -$370 | -31.6% |
| Virginia | $702 | -$468 | -40.0% |
| Washington | $904 | -$266 | -22.7% |
| West Virginia | $1,072 | -$98 | -8.4% |
| Wisconsin | $810 | -$360 | -30.8% |
| Wyoming | $1,042 | -$128 | -10.9% |
Using high physical damage deductibles could save up to $360 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi Q5 3.2 Premium AWD | $1,148 | $96 |
| Audi Q5 3.2 Premium Plus AWD | $1,170 | $98 |
| Audi Q5 3.2 Premium Plus S-Line AWD | $1,170 | $98 |
| Audi Q5 3.2 Prestige AWD | $1,190 | $99 |
| Audi Q5 3.2 Prestige S-Line AWD | $1,214 | $101 |
Rates assume 2013 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi Q5 | $332 | $686 | $398 | $1,574 |
| 2023 Audi Q5 | $320 | $668 | $416 | $1,562 |
| 2022 Audi Q5 | $310 | $640 | $430 | $1,538 |
| 2021 Audi Q5 | $292 | $618 | $442 | $1,510 |
| 2020 Audi Q5 | $282 | $574 | $452 | $1,466 |
| 2019 Audi Q5 | $270 | $540 | $456 | $1,424 |
| 2018 Audi Q5 | $258 | $484 | $460 | $1,360 |
| 2016 Audi Q5 | $234 | $418 | $464 | $1,274 |
| 2015 Audi Q5 | $228 | $390 | $474 | $1,250 |
| 2014 Audi Q5 | $210 | $362 | $474 | $1,204 |
| 2013 Audi Q5 | $206 | $328 | $478 | $1,170 |
| 2012 Audi Q5 | $192 | $300 | $474 | $1,124 |
| 2011 Audi Q5 | $180 | $272 | $474 | $1,084 |
| 2010 Audi Q5 | $174 | $246 | $468 | $1,046 |
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 Find More Affordable Audi Q5 Insurance
Saving money on insurance for an Audi Q5 not only requires being a safe and courteous driver, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a summary of the information touched on above.
- You may be able to save up to $140 per year just by shopping early and online
- Teenage drivers are expensive to insure, as much as $384 per month if the policy includes full coverage
- Increasing deductibles can save approximately $350 each year
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,360 more every year for auto insurance
- Insureds who may need higher levels of liability will pay an extra $530 per year to go from a minimum limit to the 250/500 level
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.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,602 |
| 20 | $2,692 |
| 30 | $1,202 |
| 40 | $1,170 |
| 50 | $1,074 |
| 60 | $1,050 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,404 |
| $250 | $1,296 |
| $500 | $1,170 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,170 |
| 50/100 | $1,310 |
| 100/300 | $1,429 |
| 250/500 | $1,740 |
| 100 CSL | $1,357 |
| 300 CSL | $1,620 |
| 500 CSL | $1,812 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,518 |
| 20 | $4,294 |
| 30 | $2,564 |
| 40 | $2,532 |
| 50 | $2,422 |
| 60 | $2,398 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $81 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
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