Audi A5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 30, 2020

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When the time comes to figure out how much Audi A5 insurance costs, you might be left with more questions than answers. In order to streamline your search for a quality provider and help you determine if you should have full coverage or liability alone, we have prepared this in-depth guide.

This article will inform you about average insurance rates for the Audi A5, how the size and class of the vehicle play a factor, what liability insurance costs for the Audi A5, its safety features, MSRP value, and repair estimates.

By the time you have finished reading through this piece, you will be better equipped to find the right insurance provider for a good rate. In fact, you can start comparing quotes right now by taking advantage of our free online quote tool.

The average auto insurance rates for an Audi A5 are $1,528 annually for full coverage. Comprehensive costs on average $332 a year, collision costs $696, and liability is estimated at $364. Buying just liability costs approximately $416 a year, with insurance for high-risk drivers costing around $3,340. Teens cost the most to insure at $5,582 a year or more.

Average premium for full coverage: $1,528

Policy rates by type of insurance:

Comprehensive $332
Collision $696
Liability $364

Includes $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and A5 trim levels.

Price Range Variability

For the average driver, Audi A5 insurance rates go from as cheap as $416 for basic liability insurance to a high of $3,340 for high-risk insurance.

Liability Only $416
Full Coverage $1,528
High Risk $3,340

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts car insurance rates.

Rural Areas $1,146
Small Cities $1,604
Large Cities $2,063

The examples above show why it is important to get quotes based on a specific location and their own personal driving habits, 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.

Rate Comparisons

The chart below shows estimated Audi A5 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $850
  • Choosing higher $1,000 deductibles can save around $1,296 a year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,528
  • Selecting low $100 deductibles for comp and collision coverage will cost $1,986
  • Higher-risk drivers with serious driving violations could pay upwards of $3,340 or more
  • Policy cost with full coverage for a 16-year-old driver may cost $5,582 each year

View Chart as Image

Audi A5 insurance cost comparison chart
Column chart showing full coverage Audi A5 insurance rates range from $850 to $5,582

Insurance rates for an Audi A5 also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy ranges from 45% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $690 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi A5 insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,180 on average in Michigan, Louisiana, and New York.

Audi A5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,382 -$146 -9.6%
Alaska $1,172 -$356 -23.3%
Arizona $1,268 -$260 -17.0%
Arkansas $1,528 -$0 0.0%
California $1,744 $216 14.1%
Colorado $1,458 -$70 -4.6%
Connecticut $1,570 $42 2.7%
Delaware $1,728 $200 13.1%
Florida $1,910 $382 25.0%
Georgia $1,416 -$112 -7.3%
Hawaii $1,098 -$430 -28.1%
Idaho $1,038 -$490 -32.1%
Illinois $1,138 -$390 -25.5%
Indiana $1,152 -$376 -24.6%
Iowa $1,030 -$498 -32.6%
Kansas $1,452 -$76 -5.0%
Kentucky $2,086 $558 36.5%
Louisiana $2,262 $734 48.0%
Maine $946 -$582 -38.1%
Maryland $1,262 -$266 -17.4%
Massachusetts $1,220 -$308 -20.2%
Michigan $2,656 $1,128 73.8%
Minnesota $1,280 -$248 -16.2%
Mississippi $1,832 $304 19.9%
Missouri $1,358 -$170 -11.1%
Montana $1,642 $114 7.5%
Nebraska $1,204 -$324 -21.2%
Nevada $1,832 $304 19.9%
New Hampshire $1,102 -$426 -27.9%
New Jersey $1,710 $182 11.9%
New Mexico $1,352 -$176 -11.5%
New York $1,608 $80 5.2%
North Carolina $880 -$648 -42.4%
North Dakota $1,252 -$276 -18.1%
Ohio $1,054 -$474 -31.0%
Oklahoma $1,568 $40 2.6%
Oregon $1,400 -$128 -8.4%
Pennsylvania $1,458 -$70 -4.6%
Rhode Island $2,038 $510 33.4%
South Carolina $1,386 -$142 -9.3%
South Dakota $1,290 -$238 -15.6%
Tennessee $1,340 -$188 -12.3%
Texas $1,842 $314 20.5%
Utah $1,132 -$396 -25.9%
Vermont $1,046 -$482 -31.5%
Virginia $916 -$612 -40.1%
Washington $1,180 -$348 -22.8%
West Virginia $1,400 -$128 -8.4%
Wisconsin $1,056 -$472 -30.9%
Wyoming $1,360 -$168 -11.0%

View Chart as Image

Audi A5 insurance rates by U.S. city

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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 A5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Audi A5 $332 $696 $364 $1,528
2016 Audi A5 $290 $588 $388 $1,402
2013 Audi A5 $250 $454 $394 $1,234

Rates are averaged for all Audi A5 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 Cheapest Audi A5 Insurance

Finding cheaper rates on insurance for an Audi A5 takes being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Spend time shopping around every couple of years by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a recap of the material that was touched on above.

  • Insureds who require higher levels of liability will pay approximately $400 each year to raise limits from a 30/60 limit to higher 250/500 limits
  • Teenage drivers pay the highest rates, costing up to $465 each month including comprehensive and collision insurance
  • Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,810 more each year for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $700 each year

Now that we have gone into detail about what average Audi A5 insurance rates look like based on age, location, and driving history, you might be curious about other contributing factors that determine rates.


How does the size and class of the Audi A5 affect liability rates?

The Insurance Institute for Highway Safety (IIHS) classifies the Audi A5 as a midsize luxury car. This is important to know because the size of the vehicle you drive ultimately determines how much money you will pay for the most basic form of coverage, which is called auto liability insurance.

Insurance providers will take the size and class of the Audi A5 into consideration when providing you with a quote. They do this because some vehicles are generally safer than others due to their structural design and curb weight.

As a midsize luxury car, the Audi A5 is comparable to models like the Acura TLX or Lincoln MKZ. Liability rates for the Audi A5 are affected by the loss percentages for each model in the class.

The IIHS reports that the Audi A5 has a property damage loss percentage of -49 percent, which is considered highly favorable among the vehicle class. As of the writing of this article, loss ratio data for bodily injury liability was not available.

What does liability insurance cost for an Audi A5?

Now that we know how liability rates are calculated, you are likely curious to know what the actual rates might be based on the level of coverage you want to have.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Audi A5 as an itemized cost on your insurance policy.

  • Low ($25,000): $101.43
  • Medium ($50,000): $121.53
  • High ($100,000): $132.48

While bodily injury liability will pay for the opposing driver’s medical expenses, you will still need to have coverage for any damage you are responsible for causing to their car. That’s where property damage liability insurance comes into play.

Take a look at the following general property damage liability quotes for the Audi A5 based on low to high coverage.

  • Low ($25,000): $107.27
  • Medium ($50,000): $104.95
  • High ($100,000): $107.65

It’s interesting to note that both forms of liability insurance for the Audi A5 fluctuate at a minimal level. Therefore, if you are on the fence between low or high coverage, it won’t impact your wallet too much if you decide to play it safe.

What are the safety features and ratings of the Audi A5?

Luxury automakers like Audi have earned a reputation for including a lot of safety features in their vehicles. Having these equipped in the car you drive often leads to better safety ratings and a more favorable insurance rate.

Take a look at the following list of safety features for the 2020 Audi A5 sourced from

  • Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
  • Stability Control This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
  • Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
  • Side-Impact Airbags – This feature protects the torso area of the driver and passengers during a side-impact collision.
  • Knee Airbags – When deployed, these airbags protect the lower extremities of the driver and passengers inside the Audi A5. 
  • Anti-Whiplash These head restraints actively react to rear collision forces and cradle the occupants’ head in an effort to reduce the likelihood of a whiplash injury.
  • Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.
  • Anti-Theft Security – This technology anticipates and detects unwanted vehicle intrusion. The vehicle is equipped with an ignition-disable device that will prevent the engine from starting if the correct original manufacturer key is not used.

      These safety features go a long way in the event of a collision. However, it’s important to know the fatality statistics for other vehicles like the Audi A5 so you have a full understanding of how this vehicle class compares to the national average.

      The IIHS reports that out of 9,736,590 registered midsize cars, a total of 396 road fatalities have been reported for this vehicle class. Broken down, that is a fatality rate of 41 per one million registered people who drive a model like the Audi A5.

      Additionally, the impact point of a crash also plays a factor in how fatal an accident can truly be. The following statistics show how many deaths occurred based on where the crash originated.

      • Frontal Impact: 7,433 deaths  
      • Side Impact: 3,568 deaths 
      • Rear Impact: 834 deaths
      • Other (mostly rollovers): 1,303 deaths

      Driving is unpredictable in nature, but having knowledge about what can go wrong will only serve to benefit you in the long run. Beyond educating yourself, having the right auto insurance policy is the next step to take to enjoy peace of mind every time you get behind the wheel of your Audi A5. 

      What is the MSRP of the Audi A5?

      The current value of the vehicle you drive is directly tied to the amount of money you can expect to pay for insurance.

      As of the writing of this article, Kelley Blue Book (KBB) reports that the MSRP value of a 2019 Audi A5 Premium is $45,195 with a fair market value between $36,997 and $41,498.

      If you decide to buy instead of lease a new Audi A5, one thing you might want to consider is getting full coverage. A lot of drivers do this because liability insurance will not pay for any damages sustained to your vehicle. 

      Two types of coverage you can get to protect your car are collision and comprehensive insurance.

      • Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
      • Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

      When it comes to loss percentages, the Audi A5 has a collision loss percentage of 58 percent and a comprehensive loss percentage of 41 percent. This is considered above average for the vehicle class.

      How much will it cost to repair my Audi A5?

      One thing that all car-owners have in common is vehicle maintenance. Even though luxury vehicles like the Audi A5 are built to last, you still have to pay for general upkeep and repairs.

      Experts from RepairPal estimate that the annual cost of repairs for the Audi A5 is $798 per year. This includes everything from oil changes and tire rotations to major work that is needed following an accident.

      Speaking of which, if you ever found yourself in a situation where you have to pay to repair a certain part of the vehicle, the following estimates come courtesy of Instant Estimator:

      • Front Bumper: $412.60
      • Rear Bumper: $422.60
      • Hood: $377.00
      • Roof: $426.60
      • Front Door: $389.20
      • Back Door: $377.80
      • Fender: $327.40
      • Quarter Panel: $352.20

      To this point, we have gone into great detail about Audi A5 insurance and with a little luck, we’ve answered the question, “How much is insurance for an Audi A5?” 

      However, we still recognize that we might have missed something so we are curious to know, is there anything else you’d like to see us expand upon?

      If not, enter your five-digit ZIP code in our online tool to start comparing quotes for free from the industry’s top insurance providers.

      Rates by Driver Age

      Audi A5 Insurance Rates by Driver Age
      Driver Age Premium
      16 $5,582
      20 $3,564
      30 $1,608
      40 $1,528
      50 $1,398
      60 $1,374

      Full coverage, $500 deductibles

      Rates by Deductible

      Audi A5 Insurance Rates with Different Deductibles
      Deductible Premium
      $100 $1,986
      $250 $1,774
      $500 $1,528
      $1,000 $1,296

      Full coverage, driver age 40

      Rates by Liability Limit

      Audi A5 Insurance Rates with Different Liability Limits
      Liability Limit Premium
      30/60 $1,528
      50/100 $1,681
      100/300 $1,772
      250/500 $2,008
      100 CSL $1,717
      300 CSL $1,917
      500 CSL $2,063

      Full coverage, driver age 40

      Rates for High Risk Drivers

      Audi A5 Insurance Rates for High Risk Drivers
      Age Premium
      16 $8,024
      20 $5,682
      30 $3,428
      40 $3,340
      50 $3,184
      60 $3,158

      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 $222

      Potential Rate Discounts

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

      Discount Savings
      Multi-policy $84
      Multi-vehicle $81
      Homeowner $21
      5-yr Accident Free $122
      5-yr Claim Free $101
      Paid in Full/EFT $77
      Advance Quote $81
      Online Quote $111
      Total Discounts $678
      Rate after discounts $850

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

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