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 with full coverage. Comprehensive insurance costs on average $206, collision costs $328, and liability costs around $478. Liability-only coverage costs as low as $526 a year, with high-risk coverage costing $2,532 or more. 16-year-old drivers receive the highest rates at $4,602 a year or more.
Average premium for full coverage: $1,170
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Q5 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $526 for minimum levels of liability insurance to a much higher rate of $2,532 for a high-risk driver policy.
Price Range by Location
Where you live can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of 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 Details
The chart below details estimated Audi Q5 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $691
- Using higher $1,000 deductibles will save around $122 annually
- The average rate for a 40-year-old driver with $500 deductibles is $1,170
- Buying more expensive low deductibles for physical damage coverage will cost an extra $234 every year
- Drivers with multiple tickets or accidents could pay upwards of $2,532 or more
- The cost for full coverage for a teen driver with full coverage may cost $4,602 or more
Car insurance rates for an Audi Q5 can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,600 a year. View Rates by Age
Where you live has a huge impact on Audi Q5 insurance prices. A driver around age 40 might see rates as low as $840 a year in states like New Hampshire, Ohio, and Utah, or at least $1,580 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $360 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
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 Cheaper Audi Q5 Insurance
Saving money on car insurance requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.
The following items are a condensed summary of the information raised in the charts and tables above.
- You may be able to save as much as $140 per year simply by shopping early and online
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $384 per month if full coverage is included
- Increasing deductibles can save around $350 each year
- Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,360 more each year than a driver with a clean driving record
- Policyholders who require additional liability coverage will pay around $530 every year to increase from a minimum limit to 250/500 limits
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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