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.

Average insurance prices for an Audi Q5 are $1,204 every 12 months including full coverage. Comprehensive insurance costs on average $210, collision insurance costs $362, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,612 or more. Teen drivers receive the highest rates at up to $4,720 a year.

Average premium for full coverage: $1,204

Rate estimates by individual coverage type:

Comprehensive $210
Collision $362
Liability $474

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Q5 trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the cheapest price of $522 for minimum levels of liability insurance to a much higher rate of $2,612 for a high-risk driver policy.

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

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates the effect of geographic area on car insurance rates.

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

These examples highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on 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.

Additional Rate Details

The chart below breaks down average 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 $130 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,204
  • Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $252 annually
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,612
  • The cost to insure a 16-year-old driver with full coverage may cost $4,720 a 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

Auto insurance rates for an Audi Q5 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Q5.

Choosing high deductibles could save up to $390 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance can cost from 42% to 129% more than average. View High Risk Driver Rates

Where you live 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.

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 the Cheapest Audi Q5 Insurance

Saving money on insurance for an Audi Q5 not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the information covered in the above illustrations.

  • You may be able to save as much as $140 per year just by shopping early and online
  • Teen drivers are charged the highest rates, as much as $393 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save as much as $375 each year
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,410 more each year to insure their Q5
  • Insureds who require more liability coverage will pay about $520 per year to go from a minimum 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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