- Expect to pay an average of $2,110 per year, $1,055 for a 6-month policy, or $176 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 $1,926 per year.
- The Q5 Prestige 55 e quattro has the highest average car insurance rates at $2,274 per year.
- The Audi Q5 is one of the more expensive small luxury SUVs to insure, costing $52 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 $2,110 a year for a full-coverage policy, or around $176 if paid each month.
Expect to pay approximately $52 more per year to insure an Audi Q5 compared to the small luxury SUVs average rate, and $227 more per year than the overall all-vehicle national average of $1,883.
Average monthly payments for full-coverage Audi Q5 insurance range from $161 to $190 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.
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.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Audi Q5 | $4,250 | $2,110 | $1,744 |
| 2023 Audi Q5 | $4,208 | $2,086 | $1,722 |
| 2022 Audi Q5 | $4,060 | $2,010 | $1,660 |
| 2021 Audi Q5 | $3,862 | $1,912 | $1,582 |
| 2020 Audi Q5 | $3,740 | $1,854 | $1,534 |
| 2019 Audi Q5 | $3,544 | $1,758 | $1,456 |
| 2018 Audi Q5 | $3,348 | $1,664 | $1,382 |
| 2017 Audi Q5 | $3,218 | $1,602 | $1,328 |
| 2016 Audi Q5 | $3,168 | $1,578 | $1,316 |
| 2015 Audi Q5 | $3,038 | $1,516 | $1,264 |
| 2014 Audi Q5 | $2,802 | $1,402 | $1,166 |
| 2013 Audi Q5 | $2,794 | $1,390 | $1,162 |
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 February 23, 2024
What is the cheapest Audi Q5 car insurance?
With Audi Q5 insurance cost ranging from $1,926 to $2,274 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 $1,990 per year. On average, expect to budget at least $161 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 $2,274 and the Premium Plus 55 e quattro at $2,214 per year. Those trims will cost an extra $348 and $288 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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Premium 40 | $1,926 | $161 |
| Premium 45 | $1,990 | $166 |
| Premium Plus 40 | $2,028 | $169 |
| Sportback Premium | $2,064 | $172 |
| Premium Plus 45 | $2,080 | $173 |
| Sportback Premium Plus | $2,120 | $177 |
| Prestige 40 | $2,120 | $177 |
| Prestige 45 | $2,158 | $180 |
| Premium 55 e quattro | $2,164 | $180 |
| Sportback Prestige | $2,188 | $182 |
| Premium Plus 55 e quattro | $2,214 | $185 |
| Prestige 55 e quattro | $2,274 | $190 |
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 February 22, 2024
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 $190 more per year than the Volvo XC60, $524 more per year than the Acura RDX, $128 less per year than the BMW X3, and $76 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 $2,110 per year to insure for full coverage, while the class average is $2,058 per year, a difference of $52 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,586 | -$524 |
| 2 | Lexus NX 250 | $1,680 | -$430 |
| 3 | Cadillac XT4 | $1,712 | -$398 |
| 4 | Lexus NX 350h | $1,790 | -$320 |
| 5 | Lincoln Corsair | $1,814 | -$296 |
| 6 | Mercedes-Benz GLB 250 | $1,816 | -$294 |
| 7 | Lexus UX 250h | $1,818 | -$292 |
| 8 | Lexus NX 450h | $1,830 | -$280 |
| 9 | Mercedes-Benz GLA250 | $1,844 | -$266 |
| 10 | Mercedes-Benz GLA35 AMG | $1,856 | -$254 |
| 11 | Land Rover Evoque | $1,894 | -$216 |
| 12 | Lexus NX 350 | $1,904 | -$206 |
| 13 | Volvo XC40 | $1,910 | -$200 |
| 14 | Volvo XC60 | $1,920 | -$190 |
| 15 | Alfa Romeo Tonale | $1,926 | -$184 |
| 16 | Mercedes-Benz GLA45 AMG | $1,936 | -$174 |
| 17 | BMW X1 | $1,958 | -$152 |
| 18 | Infiniti QX55 | $1,964 | -$146 |
| 19 | Volvo C40 | $1,978 | -$132 |
| 20 | BMW X2 | $1,986 | -$124 |
| 21 | Lexus RZ 450e | $2,008 | -$102 |
| 22 | Mercedes-Benz EQB 300 | $2,018 | -$92 |
| 23 | Mercedes-Benz GLC300 | $2,034 | -$76 |
| 24 | Mercedes-Benz EQB 350 | $2,066 | -$44 |
| 25 | Genesis GV70 | $2,092 | -$18 |
| 26 | Audi Q3 | $2,102 | -$8 |
| 27 | Audi Q5 | $2,110 | -- |
| 28 | Alfa Romeo Stelvio | $2,130 | $20 |
| 29 | Land Rover Range Rover Velar | $2,156 | $46 |
| 30 | BMW X4 | $2,198 | $88 |
| 31 | Audi Q4 | $2,216 | $106 |
| 32 | BMW X3 | $2,238 | $128 |
| 33 | Genesis GV60 | $2,308 | $198 |
| 34 | Porsche Macan | $2,342 | $232 |
| 35 | Jaguar I-Pace | $2,370 | $260 |
| 36 | Land Rover Defender | $2,464 | $354 |
| 37 | Jaguar F-Pace | $2,536 | $426 |
| 38 | Aston Martin DBX | $3,696 | $1,586 |
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 February 22, 2024
Audi Q5 car insurance rates by location
The cost to insure an Audi Q5 varies considerably, from lower rates like $1,482 a year in Virginia Beach, VA, or $1,622 in Columbus, OH, to high rates like $4,638 a year in Detroit, MI, and $3,208 in Las Vegas, NV.
Other larger metro area rates include Fresno, CA, at an estimated $2,384 per year, San Francisco, CA, costing $2,794, Mesa, AZ, averaging $2,068, and Milwaukee, WI, at $2,074.
The bar chart below details average Audi Q5 insurance policy costs for the thirty largest cities in America.
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 $331 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $384 more per year.
- Gender and age affect the rate you pay. For a 2024 Audi Q5, a 20-year-old man pays an estimated $4,250 per year, while a 20-year-old woman will pay $3,038, a difference of $1,212 per year. The females get much better rates. But by age 50, male driver rates are $1,862 and the rate for women is $1,820, a difference of only $42.
- Getting older means cheaper auto insurance rates. The difference in insurance cost on a Q5 between a 50-year-old driver ($1,862 per year) and a 20-year-old driver ($4,250 per year) is $2,388, or a savings of 78.1%.
- 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 $63 and $185 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 $356 per year on Audi Q5 insurance.
- Car insurance for teens is expensive. Average rates for full coverage Q5 insurance costs $7,397 per year for a 16-year-old driver, $7,211 per year for a 17-year-old driver, and $6,549 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 $366 per year for a 40-year-old driver and $718 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 $382 per year for a 40-year-old driver and $758 per year for a 20-year-old driver.