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.
U.S. average auto insurance rates for an Audi Q5 are $1,204 annually for full coverage. Comprehensive costs around $210 a year, collision costs $362, and liability coverage is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,612. Teen drivers pay the highest rates at $4,720 a year or more.
Average premium for full coverage: $1,204
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Q5 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Audi Q5 insurance prices go from as cheap as $522 for minimum levels of liability insurance to a high of $2,612 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population have fewer accident claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance rates.
The ranges above show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than 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.
Additional Rate Details
The chart below shows estimated Audi Q5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $707
- Raising to $1,000 deductibles will save about $1,074 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,204
- Choosing low $100 deductibles will cost $1,456
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,612 or more
- The price with full coverage for a teenage driver can be $4,720
Auto insurance prices for an Audi Q5 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $390 a year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Audi Q5 insurance rates. A middle-age driver might find prices as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,720 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different 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 |
| 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 Buy More Affordable Audi Q5 Insurance
Getting lower rates on auto insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The list below is a summary of the concepts that were touched on in this article.
- Drivers who have multiple accidents or major violations pay an average of $1,410 more every year for car insurance
- Teenagers are expensive to insure, with premiums as much as $393 a month if full coverage is included
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $375 each year
- Drivers can 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
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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