Audi Q5 Insurance Rates

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UPDATED: May 12, 2024

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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.

Estimated auto insurance rates for an Audi Q5 are $1,204 annually including full coverage. Comprehensive insurance costs approximately $210, collision costs $362, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,612 or more. 16-year-old drivers pay the most at $4,720 a year or more.

Average premium for full coverage: $1,204

Premium estimates by type of coverage:

Comprehensive $210
Collision $362
Liability $474

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Q5 trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for an Audi Q5 go from as cheap as $522 for liability-only coverage to a much higher rate of $2,612 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,204
High Risk $2,612

Insurance Price Range by Location

Your location has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities.

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

Rural Areas $903
Small Cities $1,264
Large Cities $1,625

These rate differences highlight why anyone shopping for car insurance should compare rates using their 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 Charts and Tables

The chart below breaks down estimated Audi Q5 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $707
  • Drivers who choose higher $1,000 deductibles will pay $130 every year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,204
  • Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $252 each year
  • High-risk insureds with multiple tickets or accidents could pay around $2,612 or more
  • An auto insurance policy with full coverage for a teenage driver with full coverage can cost $4,720 a year

View Chart as Image

Audi Q5 insurance cost comparison chart
Column chart showing full coverage Audi Q5 insurance prices range from $707 to $4,720

Insurance prices for an Audi Q5 also have a wide range based on the model of your Q5, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance can cost around 42% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $390 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Audi Q5 insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,720 on average in Louisiana, New York, and Michigan.

Audi Q5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,090 -$114 -9.5%
Alaska $924 -$280 -23.3%
Arizona $998 -$206 -17.1%
Arkansas $1,204 -$0 0.0%
California $1,372 $168 14.0%
Colorado $1,152 -$52 -4.3%
Connecticut $1,238 $34 2.8%
Delaware $1,364 $160 13.3%
Florida $1,508 $304 25.2%
Georgia $1,110 -$94 -7.8%
Hawaii $866 -$338 -28.1%
Idaho $814 -$390 -32.4%
Illinois $898 -$306 -25.4%
Indiana $906 -$298 -24.8%
Iowa $812 -$392 -32.6%
Kansas $1,146 -$58 -4.8%
Kentucky $1,644 $440 36.5%
Louisiana $1,782 $578 48.0%
Maine $744 -$460 -38.2%
Maryland $992 -$212 -17.6%
Massachusetts $964 -$240 -19.9%
Michigan $2,092 $888 73.8%
Minnesota $1,008 -$196 -16.3%
Mississippi $1,442 $238 19.8%
Missouri $1,070 -$134 -11.1%
Montana $1,294 $90 7.5%
Nebraska $950 -$254 -21.1%
Nevada $1,444 $240 19.9%
New Hampshire $866 -$338 -28.1%
New Jersey $1,346 $142 11.8%
New Mexico $1,066 -$138 -11.5%
New York $1,270 $66 5.5%
North Carolina $694 -$510 -42.4%
North Dakota $986 -$218 -18.1%
Ohio $832 -$372 -30.9%
Oklahoma $1,238 $34 2.8%
Oregon $1,104 -$100 -8.3%
Pennsylvania $1,152 -$52 -4.3%
Rhode Island $1,606 $402 33.4%
South Carolina $1,090 -$114 -9.5%
South Dakota $1,018 -$186 -15.4%
Tennessee $1,054 -$150 -12.5%
Texas $1,452 $248 20.6%
Utah $892 -$312 -25.9%
Vermont $826 -$378 -31.4%
Virginia $722 -$482 -40.0%
Washington $932 -$272 -22.6%
West Virginia $1,104 -$100 -8.3%
Wisconsin $834 -$370 -30.7%
Wyoming $1,074 -$130 -10.8%

View Chart as Image

Audi Q5 insurance rates by U.S. city

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices and see how they stack up. Every company utilizes a different rate formula, so the prices will be substantially different between companies.

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 $1,180 $98
Audi Q5 3.2 Premium Plus AWD $1,204 $100
Audi Q5 3.2 Premium Plus S-Line AWD $1,204 $100
Audi Q5 3.2 Prestige AWD $1,228 $102
Audi Q5 3.2 Prestige S-Line AWD $1,252 $104

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.

Audi Q5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi Q5 $346 $690 $390 $1,584
2023 Audi Q5 $332 $686 $398 $1,574
2022 Audi Q5 $320 $668 $416 $1,562
2021 Audi Q5 $310 $640 $430 $1,538
2020 Audi Q5 $292 $618 $442 $1,510
2019 Audi Q5 $282 $574 $452 $1,466
2018 Audi Q5 $270 $540 $456 $1,424
2016 Audi Q5 $242 $446 $460 $1,306
2015 Audi Q5 $234 $418 $464 $1,274
2014 Audi Q5 $228 $390 $474 $1,250
2013 Audi Q5 $210 $362 $474 $1,204
2012 Audi Q5 $206 $328 $478 $1,170
2011 Audi Q5 $192 $300 $474 $1,124
2010 Audi Q5 $180 $272 $474 $1,084

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 Buy the Right Audi Q5 Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, refrain from filing small claims, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a quick rundown of the data touched on in the above illustrations.

  • Consumers who purchase higher liability limits will pay around $520 per year to go from 30/60 bodily injury limits to higher 250/500 limits
  • You may be able to save around $140 per year simply by shopping early and online
  • Increasing policy deductibles could save up to $375 each year
  • Teenagers are expensive to insure, with the cost nearing $393 per month including comprehensive and collision insurance

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

  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 $4,720
20 $2,782
30 $1,240
40 $1,204
50 $1,102
60 $1,082

Full coverage, $500 deductibles

Rates by Deductible

Audi Q5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,456
$250 $1,342
$500 $1,204
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Audi Q5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,204
50/100 $1,347
100/300 $1,465
250/500 $1,773
100 CSL $1,394
300 CSL $1,655
500 CSL $1,845

Full coverage, driver age 40

Rates for High Risk Drivers

Audi Q5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,694
20 $4,440
30 $2,650
40 $2,612
50 $2,498
60 $2,474

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 $168

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $49
Advance Quote $57
Online Quote $84
Total Discounts $497
Rate after discounts $707

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

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