Audi S5 Insurance Rates

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.

Average insurance rates for an Audi S5 are $1,190 a year including full coverage. Comprehensive costs approximately $214 each year, collision costs $344, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,574. 16-year-old drivers receive the highest rates at $4,654 a year or more.

Average premium for full coverage: $1,190

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and S5 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down estimated Audi S5 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $701
• Raising to $1,000 deductibles will save $128 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,190
• Buying low deductibles will increase the cost to $1,436
• Drivers with multiple tickets or accidents could pay around $2,574 or more
• The cost for full coverage for a 16-year-old driver can cost $4,654

View Chart as Image

Insurance rates for an Audi S5 can also vary considerably based on your driver profile, the model of your S5, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $380 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Audi S5 Insurance

Saving money on insurance for an Audi S5 consists of being a good driver, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following list is a condensed summary of the ideas that were covered in the above illustrations.

• Drivers age 16 to 20 are the costliest to insure, as much as $388 per month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,380 more per year than a safer driver
• Increasing deductibles can save around $375 each year
• You may be able to save around $140 per year simply by quoting online in advance

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.

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.