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: Jun 4, 2023

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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 $1,204 a year with full coverage. Comprehensive insurance costs on average $210 each year, collision insurance costs $362, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,612 or more. 16-year-old drivers cost the most to insure at up to $4,720 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

Comprehensive $210
Collision $362
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 $2,612 for a driver who has had serious violations or accidents.

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

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

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 $707
  • Choosing higher $1,000 deductibles can save around $130 annually
  • The estimated price for a good driver age 40 with $500 deductibles is $1,204
  • Buying low deductibles for comp and collision coverage will cost an additional $252 annually
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,612
  • Policy cost that insures a 16-year-old driver may cost $4,720 each 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

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 $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges from 42% 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 $4,700 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 $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,630 on average in Florida, Michigan, and New York.

Audi Q5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,090 -$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

Opting for high physical damage deductibles can save as much as $390 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 $1,180 $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 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 $210 $362 $474 $1,204
2011 Audi Q5 $206 $328 $478 $1,170

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 $393 each month if full coverage is purchased
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,410 more each year to insure an Audi Q5
  • Increasing comprehensive and collision deductibles can save approximately $375 each year
  • You may be able to save as much as $140 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 $4,720
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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