Audi Q5 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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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 rates for an Audi Q5 are $1,250 a year for full coverage. Comprehensive costs on average $228 a year, collision costs $390, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,708. Teen drivers receive the highest rates at $4,854 a year or more.

Average premium for full coverage: $1,250

Rate estimates by individual coverage type:

Comprehensive $228
Collision $390
Liability $474

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Q5 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $522 for only liability insurance to a high of $2,708 for a high risk driver.

Liability Only $522
Full Coverage $1,250
High Risk $2,708

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $938
Small Cities $1,313
Large Cities $1,688

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.

Insurance Rate Analysis

The chart below shows estimated Audi Q5 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $731
  • Drivers who choose higher $1,000 deductibles will pay around $1,110 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,250
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,522
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,708 or more
  • The cost for full coverage for a teen driver may cost $4,854 a year

View Chart as Image

Audi Q5 insurance cost comparison chart
Column chart showing full coverage Audi Q5 insurance rates range from $731 to $4,854

for an Audi Q5 can also vary considerably based on your driver profile, the trim level of your Q5, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,800 a year. View Rates by Age

Where you live makes a big difference in Audi Q5 insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,780 on average in Michigan, Louisiana, and New York.

Audi Q5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,130 -$120 -9.6%
Alaska $956 -$294 -23.5%
Arizona $1,036 -$214 -17.1%
Arkansas $1,250 -$0 0.0%
California $1,424 $174 13.9%
Colorado $1,194 -$56 -4.5%
Connecticut $1,284 $34 2.7%
Delaware $1,416 $166 13.3%
Florida $1,564 $314 25.1%
Georgia $1,152 -$98 -7.8%
Hawaii $898 -$352 -28.2%
Idaho $844 -$406 -32.5%
Illinois $930 -$320 -25.6%
Indiana $940 -$310 -24.8%
Iowa $844 -$406 -32.5%
Kansas $1,188 -$62 -5.0%
Kentucky $1,704 $454 36.3%
Louisiana $1,850 $600 48.0%
Maine $770 -$480 -38.4%
Maryland $1,030 -$220 -17.6%
Massachusetts $1,000 -$250 -20.0%
Michigan $2,172 $922 73.8%
Minnesota $1,044 -$206 -16.5%
Mississippi $1,496 $246 19.7%
Missouri $1,108 -$142 -11.4%
Montana $1,342 $92 7.4%
Nebraska $986 -$264 -21.1%
Nevada $1,500 $250 20.0%
New Hampshire $900 -$350 -28.0%
New Jersey $1,396 $146 11.7%
New Mexico $1,108 -$142 -11.4%
New York $1,316 $66 5.3%
North Carolina $720 -$530 -42.4%
North Dakota $1,024 -$226 -18.1%
Ohio $864 -$386 -30.9%
Oklahoma $1,284 $34 2.7%
Oregon $1,144 -$106 -8.5%
Pennsylvania $1,194 -$56 -4.5%
Rhode Island $1,666 $416 33.3%
South Carolina $1,132 -$118 -9.4%
South Dakota $1,056 -$194 -15.5%
Tennessee $1,096 -$154 -12.3%
Texas $1,506 $256 20.5%
Utah $924 -$326 -26.1%
Vermont $856 -$394 -31.5%
Virginia $748 -$502 -40.2%
Washington $968 -$282 -22.6%
West Virginia $1,144 -$106 -8.5%
Wisconsin $866 -$384 -30.7%
Wyoming $1,114 -$136 -10.9%

View Chart as Image

Audi Q5 insurance rates by U.S. city

Choosing high deductibles could save up to $420 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different 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 $1,226 $102
Audi Q5 3.2 Premium Plus AWD $1,250 $104
Audi Q5 3.2 Premium Plus S-Line AWD $1,250 $104
Audi Q5 3.2 Prestige AWD $1,274 $106
Audi Q5 3.2 Prestige S-Line AWD $1,300 $108

Rates assume 2012 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
2012 Audi Q5 $228 $390 $474 $1,250
2011 Audi Q5 $210 $362 $474 $1,204

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

Saving money on Audi Q5 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $400 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $405 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,460 more each year for insurance

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.



Rates by Driver Age

Audi Q5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,854
20 $2,884
30 $1,288
40 $1,250
50 $1,144
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

Audi Q5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,522
$250 $1,396
$500 $1,250
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

Audi Q5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,250
50/100 $1,395
100/300 $1,513
250/500 $1,821
100 CSL $1,442
300 CSL $1,703
500 CSL $1,893

Full coverage, driver age 40

Rates for High Risk Drivers

Audi Q5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,892
20 $4,600
30 $2,750
40 $2,708
50 $2,588
60 $2,564

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $81
Paid in Full/EFT $52
Advance Quote $59
Online Quote $87
Total Discounts $519
Rate after discounts $731

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

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