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: Jun 11, 2024

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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.

U.S. average auto insurance rates for an Audi S5 are $1,240 annually with full coverage. Comprehensive costs on average $228 a year, collision insurance costs $380, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $2,682. Teen drivers pay the highest rates at up to $4,812 a year.

Average premium for full coverage: $1,240

Price estimates by individual coverage:

Comprehensive $228
Collision $380
Liability $474

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and S5 trim levels.

Price Range from Low to High

For the average 40-year-old driver, Audi S5 insurance prices range from as cheap as $522 for your basic liability-only policy to a high of $2,682 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,240
High Risk $2,682

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas have fewer collision claims than larger metro areas. The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $930
Small Cities $1,302
Large Cities $1,674

The ranges above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than using 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.

More Rate Information

The chart below details average Audi S5 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $726
  • Choosing higher $1,000 deductibles can save around $1,100 annually
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,240
  • Choosing low $100 deductibles for comp and collision coverage will cost $1,506
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,682
  • The price with full coverage for a teenage driver may cost $4,812 each year

View Chart as Image

Audi S5 insurance cost comparison chart
Column chart showing Audi S5 insurance rates range from $726 to $4,812 for full coverage

Insurance prices for an Audi S5 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $410 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Audi S5 insurance rates. A good driver about age 40 could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,670 on average in Florida, Michigan, and New York.

Audi S5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,120 -$120 -9.7%
Alaska $948 -$292 -23.5%
Arizona $1,026 -$214 -17.3%
Arkansas $1,240 -$0 0.0%
California $1,412 $172 13.9%
Colorado $1,184 -$56 -4.5%
Connecticut $1,274 $34 2.7%
Delaware $1,402 $162 13.1%
Florida $1,550 $310 25.0%
Georgia $1,142 -$98 -7.9%
Hawaii $890 -$350 -28.2%
Idaho $836 -$404 -32.6%
Illinois $922 -$318 -25.6%
Indiana $932 -$308 -24.8%
Iowa $836 -$404 -32.6%
Kansas $1,178 -$62 -5.0%
Kentucky $1,690 $450 36.3%
Louisiana $1,832 $592 47.7%
Maine $764 -$476 -38.4%
Maryland $1,020 -$220 -17.7%
Massachusetts $990 -$250 -20.2%
Michigan $2,150 $910 73.4%
Minnesota $1,036 -$204 -16.5%
Mississippi $1,482 $242 19.5%
Missouri $1,098 -$142 -11.5%
Montana $1,330 $90 7.3%
Nebraska $976 -$264 -21.3%
Nevada $1,484 $244 19.7%
New Hampshire $892 -$348 -28.1%
New Jersey $1,384 $144 11.6%
New Mexico $1,098 -$142 -11.5%
New York $1,306 $66 5.3%
North Carolina $712 -$528 -42.6%
North Dakota $1,014 -$226 -18.2%
Ohio $854 -$386 -31.1%
Oklahoma $1,272 $32 2.6%
Oregon $1,134 -$106 -8.5%
Pennsylvania $1,182 -$58 -4.7%
Rhode Island $1,652 $412 33.2%
South Carolina $1,122 -$118 -9.5%
South Dakota $1,046 -$194 -15.6%
Tennessee $1,084 -$156 -12.6%
Texas $1,492 $252 20.3%
Utah $916 -$324 -26.1%
Vermont $850 -$390 -31.5%
Virginia $742 -$498 -40.2%
Washington $958 -$282 -22.7%
West Virginia $1,134 -$106 -8.5%
Wisconsin $858 -$382 -30.8%
Wyoming $1,104 -$136 -11.0%

View Chart as Image

Audi S5 insurance rates by U.S. city

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 $1,232 $103
Audi S5 4.2 Quattro 2-Dr Coupe $1,232 $103
Audi S5 3.0 Quattro 2-Dr Convertible $1,200 $100
Audi S5 4.2 Quattro 2-Dr Coupe $1,252 $104
Audi S5 4.2 Quattro 2-Dr Coupe $1,252 $104
Audi S5 3.0 Quattro 2-Dr Convertible $1,220 $102

Rates assume 2011 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
2024 Audi S5 $412 $870 $390 $1,830
2023 Audi S5 $394 $864 $398 $1,814
2022 Audi S5 $382 $842 $416 $1,798
2021 Audi S5 $368 $808 $430 $1,764
2020 Audi S5 $348 $780 $442 $1,728
2019 Audi S5 $334 $724 $452 $1,668
2018 Audi S5 $320 $680 $456 $1,614
2017 Audi S5 $308 $610 $460 $1,536
2016 Audi S5 $288 $562 $460 $1,468
2015 Audi S5 $278 $526 $464 $1,426
2014 Audi S5 $270 $492 $474 $1,394
2013 Audi S5 $250 $456 $474 $1,338
2012 Audi S5 $244 $414 $478 $1,294
2011 Audi S5 $228 $380 $474 $1,240
2010 Audi S5 $214 $344 $474 $1,190
2009 Audi S5 $208 $308 $468 $1,142

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 Buy Affordable Audi S5 Insurance

Getting lower rates on auto insurance takes avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Make time to compare rates at every other renewal by getting price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief review of the concepts that were touched on in this article.

  • Drivers with DUI or reckless driving convictions pay an average of $1,440 more each year to insure an Audi S5
  • Drivers under the age of 20 pay the highest prices, costing up to $401 a month including comprehensive and collision insurance
  • You may be able to save as much as $150 per year just by quoting early and online
  • Increasing physical damage deductibles could save up to $400 each year
  • You may be able to save as much as $150 per year just by quoting early and online

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 CarIndigo.com, 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 $4,812
20 $2,852
30 $1,276
40 $1,240
50 $1,132
60 $1,110

Full coverage, $500 deductibles

Rates by Deductible

Audi S5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,506
$250 $1,382
$500 $1,240
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Audi S5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,240
50/100 $1,315
100/300 $1,433
250/500 $1,741
100 CSL $1,362
300 CSL $1,623
500 CSL $1,813

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S5 Insurance Rates for High Risk Drivers
Age Premium
16 $6,828
20 $4,552
30 $2,722
40 $2,682
50 $2,562
60 $2,536

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $80
Paid in Full/EFT $51
Advance Quote $59
Online Quote $87
Total Discounts $514
Rate after discounts $726

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

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