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 rates for an Audi Q5 are $1,124 a year with full coverage. Comprehensive insurance costs on average $192 each year, collision insurance costs $300, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,430 or more. 16-year-old drivers cost the most to insure at up to $4,450 a year.

Average premium for full coverage: $1,124

Policy rates by type of insurance:

Comprehensive $192
Collision $300
Liability $474

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Q5 models.

Price Range Variability

For a driver in their 40's, Audi Q5 insurance rates range from the low end price of $522 for just liability insurance to a high rate of $2,430 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,124
High Risk $2,430

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.

Rural Areas $843
Small Cities $1,180
Large Cities $1,517

The examples above demonstrate why all drivers should get quotes based on a specific location, instead of making a decision based 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.

More Rate Details

The chart below details average Audi Q5 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $668
  • Choosing higher $1,000 deductibles can save around $112 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,124
  • Buying low deductibles for comp and collision coverage will cost an additional $216 annually
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,430
  • Policy cost that insures a 16-year-old driver may cost $4,450 each year

View Chart as Image

Audi Q5 insurance cost comparison chart
Column chart showing Audi Q5 insurance prices range from $668 to $4,450 for full coverage

Car insurance rates for an Audi Q5 also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi Q5 insurance prices. A good driver about age 40 could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or at least $1,520 on average in Florida, Michigan, and New York.

Audi Q5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,016 -$108 -9.6%
Alaska $860 -$264 -23.5%
Arizona $932 -$192 -17.1%
Arkansas $1,124 -$0 0.0%
California $1,280 $156 13.9%
Colorado $1,074 -$50 -4.4%
Connecticut $1,156 $32 2.8%
Delaware $1,272 $148 13.2%
Florida $1,406 $282 25.1%
Georgia $1,036 -$88 -7.8%
Hawaii $808 -$316 -28.1%
Idaho $760 -$364 -32.4%
Illinois $836 -$288 -25.6%
Indiana $844 -$280 -24.9%
Iowa $760 -$364 -32.4%
Kansas $1,070 -$54 -4.8%
Kentucky $1,532 $408 36.3%
Louisiana $1,664 $540 48.0%
Maine $694 -$430 -38.3%
Maryland $926 -$198 -17.6%
Massachusetts $898 -$226 -20.1%
Michigan $1,952 $828 73.7%
Minnesota $940 -$184 -16.4%
Mississippi $1,344 $220 19.6%
Missouri $998 -$126 -11.2%
Montana $1,208 $84 7.5%
Nebraska $886 -$238 -21.2%
Nevada $1,348 $224 19.9%
New Hampshire $808 -$316 -28.1%
New Jersey $1,256 $132 11.7%
New Mexico $996 -$128 -11.4%
New York $1,184 $60 5.3%
North Carolina $648 -$476 -42.3%
North Dakota $920 -$204 -18.1%
Ohio $776 -$348 -31.0%
Oklahoma $1,154 $30 2.7%
Oregon $1,030 -$94 -8.4%
Pennsylvania $1,072 -$52 -4.6%
Rhode Island $1,498 $374 33.3%
South Carolina $1,018 -$106 -9.4%
South Dakota $950 -$174 -15.5%
Tennessee $986 -$138 -12.3%
Texas $1,354 $230 20.5%
Utah $832 -$292 -26.0%
Vermont $770 -$354 -31.5%
Virginia $672 -$452 -40.2%
Washington $870 -$254 -22.6%
West Virginia $1,030 -$94 -8.4%
Wisconsin $778 -$346 -30.8%
Wyoming $1,002 -$122 -10.9%

View Chart as Image

Audi Q5 insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $330 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,104 $92
Audi Q5 3.2 Premium Plus AWD $1,124 $94
Audi Q5 3.2 Premium Plus S-Line AWD $1,124 $94
Audi Q5 3.2 Prestige AWD $1,144 $95
Audi Q5 3.2 Prestige S-Line AWD $1,164 $97

Rates assume 2010 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 $362 $718 $372 $1,610
2023 Audi Q5 $346 $690 $390 $1,584
2022 Audi Q5 $332 $686 $398 $1,574
2021 Audi Q5 $320 $668 $416 $1,562
2020 Audi Q5 $310 $640 $430 $1,538
2019 Audi Q5 $292 $618 $442 $1,510
2018 Audi Q5 $282 $574 $452 $1,466
2017 Audi Q5 $270 $540 $456 $1,424
2016 Audi Q5 $258 $484 $460 $1,360
2015 Audi Q5 $242 $446 $460 $1,306
2014 Audi Q5 $234 $418 $464 $1,274
2013 Audi Q5 $228 $390 $474 $1,250
2012 Audi Q5 $210 $362 $474 $1,204
2011 Audi Q5 $206 $328 $478 $1,170
2010 Audi Q5 $192 $300 $474 $1,124

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 Low Cost Audi Q5 Insurance

Finding cheaper rates on insurance for an Audi Q5 takes avoiding accidents and claims, having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop every other policy renewal by getting quotes from direct companies, and also from several local insurance agents.

The points below are a review of the ideas that were covered in the charts and tables above.

  • Drivers under the age of 20 are expensive to insure, as much as $371 each month if full coverage is purchased
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,310 more each year to insure an Audi Q5
  • Increasing comprehensive and collision deductibles can save approximately $325 each year
  • You may be able to save as much as $130 per year just by quoting online in advance

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 $4,450
20 $2,584
30 $1,150
40 $1,124
50 $1,030
60 $1,010

Full coverage, $500 deductibles

Rates by Deductible

Audi Q5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,340
$250 $1,242
$500 $1,124
$1,000 $1,012

Full coverage, driver age 40

Rates by Liability Limit

Audi Q5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,124
50/100 $1,259
100/300 $1,377
250/500 $1,685
100 CSL $1,306
300 CSL $1,567
500 CSL $1,757

Full coverage, driver age 40

Rates for High Risk Drivers

Audi Q5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,296
20 $4,124
30 $2,460
40 $2,430
50 $2,324
60 $2,302

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $73
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $52
Online Quote $77
Total Discounts $456
Rate after discounts $668

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

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