Audi Q5 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: 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 prices for an Audi Q5 are $1,204 every 12 months including full coverage. Comprehensive insurance costs an estimated $210 each year, collision insurance costs $362, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,612 or more. 16-year-old drivers cost the most to insure at up to $4,720 a year.

Average premium for full coverage: $1,204

Policy rates broken down by type of insurance:

Comprehensive $210
Collision $362
Liability $474

These estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Q5 models.

Price Range Variability

Using a middle-aged driver as an example, Audi Q5 insurance rates range from the cheapest price of $522 for basic liability insurance to a high rate of $2,612 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

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

The examples above highlight why all drivers should get quotes for a targeted area and their own driving history, rather than relying on 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.

Rate Comparisons

The chart below breaks down average Audi Q5 insurance rates for other coverage scenarios.

  • The best full coverage rate is $707
  • Choosing higher $1,000 deductibles can save approximately $130 every year
  • The average price for a good driver age 40 who has $500 deductibles is $1,204
  • Buying low deductibles for comp and collision coverage costs an extra $252 a year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,612
  • Policy cost to insure a teen driver can cost as much as $4,720 each year

View Chart as Image

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

Insurance rates for an Audi Q5 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $390 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 129% more than the average rate. View High Risk Driver Rates

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

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

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
2017 Audi Q5 $258 $484 $460 $1,360
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 Shop for Cheap Audi Q5 Insurance

Finding cheaper rates on Audi Q5 insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following is a brief summary of the car insurance concepts touched on in the above illustrations.

  • High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,410 more annually for Q5 insurance
  • You may be able to save approximately $140 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $375 each year
  • Drivers who want higher liability limits will pay around $520 per year to raise limits from a 30/60 limit to a 250/500 level

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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