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.

The average insurance rates for an Audi Q5 are $1,204 a year including full coverage. Comprehensive costs around $210 a year, collision costs $362, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,612. Teens cost the most to insure at $4,720 a year or more.

Average premium for full coverage: $1,204

Policy rates for type of insurance:

Comprehensive $210
Collision $362
Liability $474

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Q5 trim levels.

Price Range Variability

For the normal driver, Audi Q5 insurance rates go from as low as $522 for your basic liability-only policy to a high of $2,612 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

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

The examples above highlight why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based on 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.

More Rate Information

The chart below breaks down estimated Audi Q5 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $707
  • Choosing higher $1,000 deductibles can save about $1,074 every year
  • The average rate for a good driver age 40 using $500 deductibles is $1,204
  • Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,456
  • Higher-risk drivers with serious driving violations could pay at least $2,612 or more
  • Policy cost for full coverage for a 16-year-old driver can be $4,720 each year

View Chart as Image

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

Insurance rates for an Audi Q5 also range considerably based on your risk profile, the model of your Q5, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi Q5 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,720 on average in Michigan, New York, and Louisiana.

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

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 Find Cheaper Audi Q5 Insurance

Finding cheaper rates on insurance for an Audi Q5 takes being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the ideas that were presented in the illustrations above.

  • Teenage drivers pay higher rates, with premiums being up to $393 each month for full coverage
  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,410 more every year for auto insurance
  • Increasing comprehensive and collision deductibles can save around $375 each year
  • You may be able to save up to $140 per year simply by quoting early and online

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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