Audi Q5 Insurance Rates
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Michelle Robbins
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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 for full coverage insurance. Comprehensive insurance costs an estimated $206, collision insurance costs $328, and liability is $478. A policy with just liability insurance costs around $526 a year, and coverage for high-risk drivers costs $2,532 or more. Teens receive the highest rates at up to $4,602 a year.
Average premium for full coverage: $1,170
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Q5 trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $526 for just the minimum liability insurance to a much higher rate of $2,532 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of 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 Analysis
The chart below illustrates average Audi Q5 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $691
- Raising to $1,000 deductibles will save approximately $122 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,170
- Selecting more expensive low deductibles will cost an additional $234 every year
- At-risk drivers with serious driving violations could pay up to $2,532
- The cost that insures a teen driver with full coverage can cost as much as $4,602
Insurance rates for an Audi Q5 can also vary considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age
Where you live also has a big influence on Audi Q5 insurance prices. A middle-age driver might find rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,580 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 more each 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 car insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below you'll find a summary of the data that was raised in the charts and tables above.
- It is possible to save approximately $140 per year just by shopping early and online
- Policyholders who want more liability protection will pay approximately $530 annually to raise from a minimum limit to the 250/500 level
- Youthful drivers are expensive to insure, costing up to $384 per month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,360 more annually than a low-risk driver
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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