Audi S5 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: Sep 2, 2022

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How much is insurance on an Audi S5? Audi S5 insurance rates are expensive. The average cost of Audi S5 full coverage is $1,814 a year, or $151 a month. If these high rates make you wince, don’t worry.

Our comprehensive guide dissects Audi S5 insurance costs to help you save. From driving records to Audi S5 crash tests, it is all covered here. Read on.

Want to jump right into comparing Audi S5 insurance rates? Enter your ZIP code in our free tool above.

Estimated insurance prices for an Audi S5 are $1,190 every 12 months including full coverage. Comprehensive insurance costs an estimated $214 a year, collision costs $344, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,574 or more. Teenage drivers pay the most at $4,654 a year or more.

Average premium for full coverage: $1,190

Premium estimates broken down by type of coverage:

Comprehensive $214
Collision $344
Liability $474

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and S5 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for an Audi S5 go from the cheapest price of $522 for a discount liability-only rate to a high of $2,574 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,190
High Risk $2,574

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $893
Small Cities $1,250
Large Cities $1,607

These rate differences highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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 S5 insurance rates for other coverage scenarios.

  • The best discount rate is $701
  • Raising to $1,000 deductibles will save approximately $1,062 every year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,190
  • Using low $100 deductibles costs an extra $246 every year
  • At-risk drivers who are prone to accidents and violations could pay up to $2,574 or more
  • An auto insurance policy to insure a teen driver can cost as much as $4,654

View Chart as Image

Audi S5 insurance cost comparison chart
Column chart showing full coverage Audi S5 insurance prices range from $701 to $4,654

Insurance prices for an Audi S5 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $380 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,400 to $2,000 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Audi S5 insurance prices. A middle-age driver might find prices as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,700 on average in Louisiana, New York, and Michigan.

Audi S5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,076 -$114 -9.6%
Alaska $912 -$278 -23.4%
Arizona $988 -$202 -17.0%
Arkansas $1,190 -$0 0.0%
California $1,356 $166 13.9%
Colorado $1,136 -$54 -4.5%
Connecticut $1,224 $34 2.9%
Delaware $1,348 $158 13.3%
Florida $1,490 $300 25.2%
Georgia $1,098 -$92 -7.7%
Hawaii $854 -$336 -28.2%
Idaho $804 -$386 -32.4%
Illinois $886 -$304 -25.5%
Indiana $896 -$294 -24.7%
Iowa $802 -$388 -32.6%
Kansas $1,132 -$58 -4.9%
Kentucky $1,624 $434 36.5%
Louisiana $1,760 $570 47.9%
Maine $734 -$456 -38.3%
Maryland $980 -$210 -17.6%
Massachusetts $950 -$240 -20.2%
Michigan $2,068 $878 73.8%
Minnesota $996 -$194 -16.3%
Mississippi $1,424 $234 19.7%
Missouri $1,056 -$134 -11.3%
Montana $1,278 $88 7.4%
Nebraska $938 -$252 -21.2%
Nevada $1,426 $236 19.8%
New Hampshire $856 -$334 -28.1%
New Jersey $1,328 $138 11.6%
New Mexico $1,054 -$136 -11.4%
New York $1,254 $64 5.4%
North Carolina $686 -$504 -42.4%
North Dakota $976 -$214 -18.0%
Ohio $822 -$368 -30.9%
Oklahoma $1,222 $32 2.7%
Oregon $1,090 -$100 -8.4%
Pennsylvania $1,136 -$54 -4.5%
Rhode Island $1,586 $396 33.3%
South Carolina $1,078 -$112 -9.4%
South Dakota $1,004 -$186 -15.6%
Tennessee $1,042 -$148 -12.4%
Texas $1,434 $244 20.5%
Utah $880 -$310 -26.1%
Vermont $816 -$374 -31.4%
Virginia $712 -$478 -40.2%
Washington $922 -$268 -22.5%
West Virginia $1,090 -$100 -8.4%
Wisconsin $824 -$366 -30.8%
Wyoming $1,060 -$130 -10.9%

View Chart as Image

Audi S5 insurance rates by U.S. city

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Audi S5 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S5 4.2 Quattro 2-Dr Coupe $1,184 $99
Audi S5 4.2 Quattro 2-Dr Coupe $1,184 $99
Audi S5 3.0 Quattro 2-Dr Convertible $1,154 $96
Audi S5 4.2 Quattro 2-Dr Coupe $1,202 $100
Audi S5 4.2 Quattro 2-Dr Coupe $1,202 $100
Audi S5 3.0 Quattro 2-Dr Convertible $1,172 $98

Rates assume 2009 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 S5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Audi S5 $250 $456 $474 $1,338
2009 Audi S5 $214 $344 $474 $1,190

Rates are averaged for all Audi S5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Audi S5 Insurance

Finding better rates on car insurance consists of having a decent driving record, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to shop around once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a recap of the data that was raised in the charts and tables above.

  • You may be able to save approximately $140 per year simply by quoting early and online
  • Policyholders who want additional liability coverage will pay an extra $520 per year to raise from 30/60 bodily injury limits to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, with the cost nearing $388 per month if full coverage is included
  • Higher risk drivers that have major violations or accidents may have to pay on average $1,380 more annually than a driver with a clean driving record

Just by getting quotes, you can save an average of $230 a year. What are the cheapest car insurance companies? Shopping for quotes will help you find out. Getting quotes allows you to compare rates from major companies like Geico or Progressive, discover rates for different Audi models, and more.

So if you are looking to see how much is car insurance for an Audi A4 or Audi A5 insurance cost, get quotes. If you want to get started on finding quotes from car insurance companies in your area, enter your ZIP code in our free tool below.

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Audi S5 Size and Class and Liability Insurance

What does liability insurance cover? Since liability insurance pays for repairs to others’ vehicles and their injury bills if you cause an accident, you will have higher liability rates if your car can do significant damage to others. The Audi S5 is a midsize luxury car, so while it isn’t big and heavy, luxury cars generally have higher rates.

Why? Luxury cars have stronger engines, which means drivers are more likely to speed and end up in an accident. So if you are asking questions like how fast is the Audi s5 Sportback, remember that insurers are also asking this. Luckily, if a luxury car has good insurance losses (meaning few claims are filed), this can offset the higher rates for luxury cars.

The Insurance Institute for Highway Safety (IIHS) data on insurance losses by make and model recorded the property damage loss for the Audi S5 4dr 4WD hatchback as -32 percent, which is substantially better than average. To see if this insurance loss results in lower insurance rates, keep reading.

Audi S5 Liability Rates

We went ahead and pulled rates from Geico for a 2020 Audi S5 Quattro convertible. The quote was for a 40-year-old male driver who owns his car, has a clean driving record, and travels 13,000 miles a year.

Below, you can see rates for six months of bodily injury liability coverage.

  • Low ($15,000/$30,000): $39.18
  • Medium ($100,000/$200,000): $80.32
  • High ($500,000/$500,000): $129.31

It will cost an average of $90 to upgrade bodily injury coverage on an Audi S5 from low to high. This isn’t terrible, as it means an extra $15 a month. Next, take a look at the rates for property damage liability coverage.

  • Low ($5,000): $439.40
  • Medium ($20,000): $469.29
  • High ($100,000): $491.12

It only costs $52 to upgrade from low to high property damage liability, or $8 a month. Overall, the prices for the Audi S5 aren’t bad at all, and shopping around can help bring costs down further. Keep reading learn more about what determines the price of car insurance.

Audi S5 Safety Features and Ratings

Whenever drivers shop for a car, it is important to look at the safety features that will either protect the driver and passengers in a crash or prevent a crash from happening. Safety features like these will reduce drivers’ insurance rates. According to, the Audi S5 has the following safety features:

  • Audi active lane assist
  • Audi pre-sense technology
  • Audi adaptive cruise control
  • Audi park steering assist
  • Audi side assist
  • Sport adaptive damping suspension

Good vehicle crash test ratings can also help drivers earn discounts. Unfortunately, the IIHS has not yet tested the Audi S5. This means that the Audi S5 may be judged based on overall crash ratings and fatalities for cars.

The IIHS’s 2018 data found that per million vehicles, there were 48 car driver fatalities, 34 pickup driver fatalities, and 23 SUV driver fatalities. All occupant fatalities per million vehicles equaled 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

These averages are based on total fatalities: 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Take a look at the 13,138 car fatalities by crash type.

  • Frontal Impact: 7,433 fatalities
  • Side Impact: 3,568 fatalities
  • Rear Impact: 834 fatalities
  • Other (mostly rollovers): 1,303 fatalities

Frontal impacts and side impacts cause the most fatalities. This is why safety features earn discounts, as they can help drivers avoid impacts.

Audi S5 Manufacturer Suggested Retail Price

The manufacturer suggested retail price (MSRP) is important when it comes to insurance rates. The MSRP helps insurers determine how much it will cost to repair or replace a vehicle, such as how much is an Audi S5 Sportback, and what will it cost to repair it? An expensive car with a high MSRP will have higher collision and comprehensive rates, as these two coverages pay for your vehicle repairs after accidents.

When you are looking for an Audi S5 for sale, make sure to check the MSRP and the fair market price (what you should be paying). Kelley Blue Book (KBB) listed the MSRP and other prices for the 2019 Audi S5 sedan as:

  • MSRP: $53,395
  • Invoice Price: $50,251
  • Fair Purchase Price: $46,976
  • Fair Market Range: $44,495 to $49,456

The MSRP is high. Unfortunately, the collision and comprehensive insurance losses for the Audi S5 are also high. This combination can make for expensive rates. It is also concerning because high rates mean the Audi S5 has a history of filed crash claims.

The IIHS’s data on collision losses is below.

  • Audi S5 2dr 4WD: 93 percent (substantially worse than average)
  • Audi S5 4dr 4WD hatchback: 87 percent (substantially worse than average)
  • Audi S5 convertible 4WD: 51 percent (substantially worse than average)

These losses are all poor, as a good loss is negative. The comprehensive losses are also terrible.

  • Audi S5 2dr 4WD: 120 percent (substantially worse than average)
  • Audi S5 4dr 4WD hatchback: 78 percent (substantially worse than average)

Overall, you can expect poor rates for an Audi S5, so make sure to shop around to reduce costs.

Audi S5 Repair Costs

Being prepared for average annual repair costs will make sure you aren’t blindsided by expensive bills. Unfortunately, RepairPal’s reliability rating of the Audi S5 was only two out of five.

The average annual repair and maintenance costs for the Audi S5 are $1,164. This is expensive, as the average annual repair costs for midsize luxury cars is $739. To help reduce repair costs, make sure to shop around for repair shop estimates, just like you would for insurance rates.

Now that we are at the end of our Audi S5 insurance rate guide, you should have a better idea of if an Audi S5 is the right car for you and how to save on insurance.

Check out our site for reviews of other cars that will help you answer questions like is an Audi A5 considered a sports car or is an Audi A5 worth the money. So if you want to know is an Audi A5 a good car, read our reviews.

To get started on finding cheap Audi S5 insurance rates, enter your ZIP code in our free rate comparison tool.

Rates by Driver Age

Audi S5 Insurance Rates by Driver Age
Driver Age Premium
16 $4,654
20 $2,736
30 $1,224
40 $1,190
50 $1,090
60 $1,068

Full coverage, $500 deductibles

Rates by Deductible

Audi S5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,436
$250 $1,322
$500 $1,190
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

Audi S5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,190
50/100 $1,267
100/300 $1,385
250/500 $1,693
100 CSL $1,314
300 CSL $1,575
500 CSL $1,765

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,596
20 $4,366
30 $2,608
40 $2,574
50 $2,460
60 $2,436

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 $164

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $56
Online Quote $83
Total Discounts $489
Rate after discounts $701

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

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