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 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 auto insurance rates for an Audi Q5 are $1,250 annually including full coverage. Comprehensive insurance costs approximately $228, collision costs $390, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,708 or more. Teens 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

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different Q5 trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from as cheap as $522 for a discount liability-only rate to a much higher rate of $2,708 for a high-risk insurance policy.

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

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

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

These examples highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of using 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.

Rates by State, City, and Model

The chart below breaks down estimated Audi Q5 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $731
  • Choosing higher $1,000 deductibles can save $140 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,250
  • Selecting more expensive low deductibles for comp and collision coverage costs an additional $272 every year
  • Unlucky drivers with serious driving violations could pay around $2,708 or more
  • The cost with full coverage for a teen driver with full coverage can cost $4,854 each year

View Chart as Image

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

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance ranges as much as 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $420 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Audi Q5 insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,780 on average in Louisiana, New York, and Michigan.

Audi Q5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,130 -$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

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates can be significantly different between companies.

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 Buy the Cheapest Audi Q5 Insurance

Saving money on car insurance takes having a decent driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following items are a recap of the car insurance concepts touched on above.

  • Higher risk drivers that have major violations or accidents may have to pay on average $1,460 more per year than a driver with a clean driving record
  • You may be able to save around $150 per year simply by shopping early and online
  • Increasing deductibles could save up to $400 each year
  • Policyholders who purchase additional liability coverage will pay approximately $520 per year to raise limits from a minimum limit to higher 250/500 limits

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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