Audi Q5 Insurance Costs Revealed: 2025 Rate Guide

How much does Audi Q5 insurance cost? We compared rates from the Premium 40 up to the Sportback Prestige model to see how average cost compares to other small luxury SUVs.

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  • Expect to pay an average of $2,606 per year, $1,303 for a 6-month policy, or $217 per month for full coverage insurance on an Audi Q5, depending on the trim level.
  • The cheapest Audi Q5 insurance is on the Q5 Premium 40 trim level at $2,380 per year.
  • The Q5 Prestige 55 e quattro has the highest average car insurance rates at $2,804 per year.
  • The Audi Q5 is one of the more expensive small luxury SUVs to insure, costing $65 more per year on average as compared to the rest of the vehicles in the segment.

How much does Audi Q5 insurance cost?

Audi Q5 car insurance costs an average of $2,606 a year for a full-coverage policy, or around $217 if paid each month.

Expect to pay approximately $65 more per year to insure an Audi Q5 compared to the small luxury SUVs average rate, and $385 more per year than the overall all-vehicle national average of $2,221.

Average monthly payments for full-coverage Audi Q5 insurance range from $198 to $234 depending on the trim level, but this amount will vary depending on where you live, however.

The chart below details the average car insurance cost for a 2024 Audi Q5 using different driver ages and policy limits.

Average 2024 Audi Q5 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Audi Q5 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Audi Q5 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Audi Q5 trim levels.

2024 Audi Q5 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,980$498
Safe Driver Age 20$5,244$437
At-fault Accidents Age 40$3,666$306
Low Deductibles Age 40$3,482$290
Safe Driver Age 30$2,790$233
Safe Driver Age 40$2,606$217
Safe Driver Age 50$2,296$191
Discount Rate Age 40$2,166$181
High Deductibles Age 40$2,154$180
Safe Driver Age 60$2,152$179

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Audi Q5 trim levels. Updated June 27, 2025

The table below shows average Audi Q5 car insurance rates for the 2013 to 2024 model years and are broken down for drivers aged 20 to 60.

Audi Q5 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Audi Q5$5,244$2,606$2,152
2023 Audi Q5$5,192$2,574$2,126
2022 Audi Q5$5,012$2,480$2,050
2021 Audi Q5$4,766$2,362$1,952
2020 Audi Q5$4,614$2,288$1,892
2019 Audi Q5$4,374$2,170$1,798
2018 Audi Q5$4,132$2,054$1,700
2017 Audi Q5$3,970$1,976$1,640
2016 Audi Q5$3,906$1,950$1,620
2015 Audi Q5$3,750$1,872$1,558
2014 Audi Q5$3,456$1,728$1,440
2013 Audi Q5$3,446$1,714$1,434

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Audi Q5 trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2024 Audi Q5 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Audi Q5 models for drivers age 20, 40 and 60

What is the cheapest Audi Q5 car insurance?

With Audi Q5 insurance cost ranging from $2,380 to $2,804 per year for an average driver, the cheapest Q5 to insure is the Premium 40. The second cheapest model to insure is the Premium 45 at $2,454 per year. On average, expect to budget at least $198 per month for full coverage insurance on a 2024 Q5 and less for older models.

The two most expensive models of Audi Q5 to insure are the Prestige 55 e quattro at $2,804 and the Premium Plus 55 e quattro at $2,734 per year. Those trims will cost an extra $424 and $354 per year, respectively, over the least expensive Premium 40 model.

The rate table below details average car insurance rates for 12-month and 6-month policies, plus a monthly amount for budgeting, for each Audi Q5 model.

2024 Audi Q5 Insurance Rates by Trim Level
2024 Audi Q5 Trim Level Annual Premium Cost Per Month
Premium 40$2,380$198
Premium 45$2,454$205
Premium Plus 40$2,504$209
Sportback Premium$2,548$212
Premium Plus 45$2,566$214
Sportback Premium Plus$2,616$218
Prestige 40$2,616$218
Prestige 45$2,666$222
Premium 55 e quattro$2,672$223
Sportback Prestige$2,700$225
Premium Plus 55 e quattro$2,734$228
Prestige 55 e quattro$2,804$234

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2024 Audi Q5 ranging from the Premium 40 model at $2,380 per year to the Prestige 55 e quattro model at $2,804
Insurance cost by trim level for a 2024 Audi Q5 ranging from the Premium 40 model at $2,380 per year to the Prestige 55 e quattro model at $2,804

How does Audi Q5 insurance compare?

When rates are compared to the best-selling models in the small luxury SUV category, insurance for a Audi Q5 costs $236 more per year than the Volvo XC60, $648 more per year than the Acura RDX, $158 less per year than the BMW X3, and $94 more per year than the Mercedes-Benz GLC300.

The Audi Q5 ranks 27th out of 38 total comparison vehicles in the small luxury SUV class. The Q5 costs an estimated $2,606 per year to insure for full coverage, while the class average is $2,541 per year, a difference of $65 per year.

The table below shows how Audi Q5 insurance cost ranks when compared to all 38 models in the 2024 compact luxury SUV class.

Insurance Cost Comparison: Audi Q5 vs Small Luxury SUVs
Rank Make and Model Annual Premium Difference
1Acura RDX$1,958-$648
2Lexus NX 250$2,072-$534
3Cadillac XT4$2,114-$492
4Lexus NX 350h$2,210-$396
5Lincoln Corsair$2,236-$370
6Mercedes-Benz GLB 250$2,240-$366
7Lexus UX 250h$2,246-$360
8Lexus NX 450h$2,258-$348
9Mercedes-Benz GLA250$2,282-$324
10Mercedes-Benz GLA35 AMG$2,290-$316
11Land Rover Evoque$2,336-$270
12Lexus NX 350$2,348-$258
13Volvo XC40$2,356-$250
14Volvo XC60$2,370-$236
15Alfa Romeo Tonale$2,376-$230
16Mercedes-Benz GLA45 AMG$2,388-$218
17BMW X1$2,420-$186
18Infiniti QX55$2,424-$182
19Volvo C40$2,442-$164
20BMW X2$2,452-$154
21Lexus RZ 450e$2,478-$128
22Mercedes-Benz EQB 300$2,492-$114
23Mercedes-Benz GLC300$2,512-$94
24Mercedes-Benz EQB 350$2,552-$54
25Genesis GV70$2,582-$24
26Audi Q3$2,596-$10
27Audi Q5$2,606--
28Alfa Romeo Stelvio$2,630$24
29Land Rover Range Rover Velar$2,660$54
30BMW X4$2,712$106
31Audi Q4$2,736$130
32BMW X3$2,764$158
33Genesis GV60$2,848$242
34Porsche Macan$2,894$288
35Jaguar I-Pace$2,926$320
36Land Rover Defender$3,042$436
37Jaguar F-Pace$3,130$524
38Aston Martin DBX$4,562$1,956

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025

At $2,606 per year, insurance cost for a 2024 Audi Q5 ranks 27th out of 38 models in the small luxury SUV segment
At $2,606 per year, insurance cost for a 2024 Audi Q5 ranks 27th out of 38 models in the small luxury SUV segment

Audi Q5 car insurance rates by location

The cost to insure an Audi Q5 varies considerably, from lower rates like $2,112 a year in Virginia Beach, VA, or $2,252 in Columbus, OH, to high rates like $5,046 a year in Detroit, MI, and $3,840 in Las Vegas, NV.

Other larger metro area rates include Fresno, CA, at an estimated $3,016 per year, San Francisco, CA, costing $3,424, Mesa, AZ, averaging $2,698, and Milwaukee, WI, at $2,702.

The bar chart below details average Audi Q5 insurance policy costs for the thirty largest cities in America.

Average car insurance rates for a 2024 Audi Q5 in larger U.S. cities.
Figure 2: Average car insurance rates for a 2024 Audi Q5 in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2024 Audi Q5 assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Audi Q5 Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$4,230$353
Philadelphia, PA$3,846$321
Las Vegas, NV$3,840$320
Los Angeles, CA$3,830$319
San Francisco, CA$3,424$285
Kansas City, MO$3,140$262
Oklahoma City, OK$3,140$262
Denver, CO$3,092$258
Memphis, TN$3,092$258
Atlanta, GA$3,064$255
San Jose, CA$3,000$250
Phoenix, AZ$2,942$245
Portland, OR$2,916$243
San Diego, CA$2,902$242
Boston, MA$2,898$242
Chicago, IL$2,838$237
Dallas, TX$2,804$234
Houston, TX$2,792$233
Seattle, WA$2,784$232
Jacksonville, FL$2,732$228
Nashville, TN$2,714$226
Milwaukee, WI$2,702$225
Albuquerque, NM$2,670$223
San Antonio, TX$2,610$218
Omaha, NE$2,558$213
Fort Worth, TX$2,552$213
Austin, TX$2,530$211
Indianapolis, IN$2,376$198
Columbus, OH$2,252$188
Charlotte, NC$2,188$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Audi Q5 and all Zip Codes in each city. Updated June 26, 2025

Additional Rates and Information

In addition to the previously noted rates, here are some additional rates for different insurance scenarios as well as some ways to possibly save money on car insurance.

  • Raise your credit score to score lower rates. In states that have car insurance regulations that allow an insured’s credit rating to be used as a factor in determining insurance rates, drivers who have credit scores over 800 could see savings as much as $409 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $474 more per year.
  • Gender and age affect the rate you pay. For a 2024 Audi Q5, a 20-year-old man pays an estimated $5,244 per year, while a 20-year-old woman will pay $3,750, a difference of $1,494 per year. The females get much better rates. But by age 50, male driver rates are $2,296 and the rate for women is $2,244, a difference of only $52.
  • Getting older means cheaper auto insurance rates. The difference in insurance cost on a Q5 between a 50-year-old driver ($2,296 per year) and a 20-year-old driver ($5,244 per year) is $2,948, or a savings of 78.2%.
  • Earn a discount from your profession. Many insurance companies offer policy discounts for specific professions like emergency medical technicians, engineers, farmers, doctors, scientists, and other occupations. If your occupation qualifies you for this discount, you could save between $78 and $228 on your annual insurance cost, depending on the age of the driver.
  • More policy discounts mean cheap Audi Q5 insurance rates. Discounts may be available if the insureds drive a vehicle with safety or anti-theft features, sign their policy early, work in certain occupations, are claim-free, are military or federal employees, or other policy discounts which could save the average driver as much as $440 per year on Audi Q5 insurance.
  • Car insurance for teens is expensive. Average rates for full coverage Q5 insurance costs $9,124 per year for a 16-year-old driver, $8,894 per year for a 17-year-old driver, and $8,078 per year for an 18-year-old driver.
  • Raising physical damage deductibles lowers costs. Boosting your physical damage deductibles from $500 to $1,000 could save around $452 per year for a 40-year-old driver and $884 per year for a 20-year-old driver.
  • Choosing a low deductible may not make good financial sense. Lowering the comprehensive and collision deductibles from $500 to $250 could cost an additional $468 per year for a 40-year-old driver and $938 per year for a 20-year-old driver.