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.
The average auto insurance rates for an Audi Q5 are $1,204 annually including full coverage. Comprehensive costs on average $210 a year, collision costs $362, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,612. Teen drivers cost the most to insure at $4,720 a year or more.
Average premium for full coverage: $1,204
Policy rates by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Q5 trim levels.
Price Range Variability
For the average driver, Audi Q5 insurance rates go from as cheap as $522 for a discount liability-only rate to a high of $2,612 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.
The diagram below illustrates how location impacts car insurance rates.
The examples above highlight why it is important to compare rates based on a specific location and their own personal driving habits, instead of using price 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.
Rates by State, City, and Model
The chart below breaks down estimated Audi Q5 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $707
- Drivers who choose higher $1,000 deductibles will pay around $1,074 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,204
- Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,456
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,612 or more
- Policy cost with full coverage for a teen driver may cost $4,720 a year
Insurance rates for an Audi Q5 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $390 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Audi Q5 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,720 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Best Audi Q5 Insurance
Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Spend time shopping around once a year by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a brief recap of the data that was touched on above.
- You may be able to save as much as $140 per year simply by quoting early and online
- Policyholders who require more liability coverage will pay about $520 per year to go from a 30/60 limit to higher 250/500 limits
- Teen drivers pay the highest rates, with premiums being up to $393 each month including comprehensive and collision insurance
- Higher risk drivers who tend to receive serious violations pay on average $1,410 more each year to insure their Q5
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 | $4,720 |
| 20 | $2,782 |
| 30 | $1,240 |
| 40 | $1,204 |
| 50 | $1,102 |
| 60 | $1,082 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,342 |
| $500 | $1,204 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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