Audi Q5 Car Insurance Cost for 2023

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 $1,990 per year, $995 for a 6-month policy, or $166 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 $1,794 per year.
  • The Q5 Sportback Prestige has the highest average car insurance rates at $2,130 per year.
  • The Audi Q5 is one of the more expensive small luxury SUVs to insure, costing $81 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 $1,990 a year for a full-coverage policy, or around $166 if paid each month.

Expect to pay approximately $81 more per year to insure an Audi Q5 compared to the small luxury SUVs average rate, and $305 more per year than the overall all-vehicle national average of $1,685.

Average monthly payments for full-coverage Audi Q5 insurance range from $150 to $178 depending on the trim level, but this amount will vary depending on where you live, however.

The chart below details average car insurance cost for a 2023 Audi Q5 using different driver ages and policy limits.

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Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on January 23, 2023
Audi Q5 Insurance Cost Summary
Audi Q5 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,528$377
Safe Driver Age 20$3,968$331
At-fault Accidents Age 40$2,790$233
Low Deductibles Age 40$2,658$222
Safe Driver Age 30$2,114$176
Safe Driver Age 40$1,990$166
Safe Driver Age 50$1,812$151
Safe Driver Age 60$1,780$148
Discount Rate Age 40$1,654$138
High Deductibles Age 40$1,648$137

The table below shows average Audi Q5 car insurance rates for the 2013 to 2023 model years and are broken down for drivers age 20 to 60.

Audi Q5 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Audi Q5$3,968$1,990$1,780
2022 Audi Q5$3,820$1,916$1,714
2021 Audi Q5$3,628$1,820$1,628
2020 Audi Q5$3,576$1,792$1,604
2019 Audi Q5$3,404$1,710$1,532
2018 Audi Q5$3,288$1,648$1,476
2017 Audi Q5$3,152$1,584$1,420
2016 Audi Q5$3,202$1,608$1,438
2015 Audi Q5$3,068$1,548$1,382
2014 Audi Q5$2,802$1,412$1,264
2013 Audi Q5$2,808$1,412$1,262

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Audi Q5 Car Insurance Rates by Model Year

What is the cheapest Audi Q5 car insurance?

With Audi Q5 insurance cost ranging from $1,794 to $2,130 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 $1,844 per year. On average, expect to budget at least $150 per month for full coverage insurance on a 2023 Q5 and less for older models.

The two most expensive models of Audi Q5 to insure are the Sportback Prestige at $2,130 and the Prestige 55 e Plug-in Hybrid at $2,116 per year. Those trims will cost an extra $336 and $322 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.

2023 Audi Q5 Insurance Cost by Trim Level
Audi Q5 Trim Level Annual Policy 6-month Policy Per Month
Premium 40$1,794$897$150
Premium 45$1,844$922$154
Premium Plus 40$1,892$946$158
Premium Plus 45$1,934$967$161
Prestige 40$1,978$989$165
Prestige 45$2,010$1,005$168
Premium 55 e Plug-in Hybrid$2,010$1,005$168
Sportback Premium$2,042$1,021$170
Premium Plus 55 e Plug-in Hybrid$2,062$1,031$172
Sportback Premium Plus$2,078$1,039$173
Prestige 55 e Plug-in Hybrid$2,116$1,058$176
Sportback Prestige$2,130$1,065$178

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Audi Q5, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Audi Q5 Insurance Cost by Trim Level

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 $184 more per year than the Volvo XC60, $518 more per year than the Acura RDX, $86 less per year than the BMW X3, and $192 more per year than the Mercedes-Benz GLC300.

The Audi Q5 ranks 27th out of 37 total comparison vehicles in the small luxury SUV class. The Q5 costs an estimated $1,990 per year to insure for full coverage, while the class average is $1,909 per year, a difference of $81 per year.

The table below shows how Audi Q5 insurance cost ranks when compared to all 37 models in the 2023 compact luxury SUV class.

Insurance Cost Comparison: Audi Q5 vs Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,472-$518
2Cadillac XT4$1,592-$398
3Volvo XC40$1,622-$368
4Lexus UX 250h$1,650-$340
5Mercedes-Benz GLA250$1,712-$278
6Mercedes-Benz GLB 250$1,718-$272
7Lexus NX 250$1,740-$250
8Lexus NX 350h$1,760-$230
9Lexus NX 350$1,770-$220
10Lincoln Corsair$1,772-$218
11Lexus NX 450h$1,776-$214
12BMW X1$1,788-$202
13Alfa Romeo Tonale$1,790-$200
14Mercedes-Benz GLC300$1,798-$192
15Lexus RZ 450e$1,802-$188
16Volvo XC60$1,806-$184
17Audi Q3$1,820-$170
18Land Rover Evoque$1,828-$162
19Volvo C40$1,846-$144
20Infiniti QX55$1,908-$82
21Mercedes-Benz GLA35 AMG$1,914-$76
22Genesis GV70$1,944-$46
23Mercedes-Benz EQB 300$1,954-$36
24Genesis GV60$1,958-$32
25Mercedes-Benz GLA45 AMG$1,968-$22
26Alfa Romeo Stelvio$1,978-$12
27Audi Q5$1,990--
28Land Rover Range Rover Velar$1,996$6
29Mercedes-Benz EQB 350$2,000$10
30BMW X4$2,038$48
31Land Rover Defender$2,044$54
32Jaguar F-Pace$2,054$64
33Audi Q4$2,066$76
34Porsche Macan$2,070$80
35BMW X3$2,076$86
36Jaguar I-Pace$2,194$204
37Aston Martin DBX$3,424$1,434

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Insurance Cost Comparison: Audi Q5 vs Small Luxury SUVs

Audi Q5 car insurance rates by location

The cost to insure an Audi Q5 varies considerably, from lower rates like $1,334 a year in Virginia Beach, VA, or $1,476 in Columbus, OH, to high rates like $4,640 a year in Detroit, MI, and $3,106 in Las Vegas, NV.

Other larger metro area rates include Fresno, CA, at an estimated $2,258 per year, San Francisco, CA, costing $2,682, Mesa, AZ, averaging $1,932, and Milwaukee, WI, at $1,940.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Audi Q5, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Audi Q5 trim levels.Data last updated on January 23, 2023
Audi Q5 Insurance Rates in Large U.S. Cities
Audi Q5 Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,506$292
Philadelphia, PA$3,114$260
Las Vegas, NV$3,106$259
Los Angeles, CA$3,098$258
San Francisco, CA$2,682$224
Kansas City, MO$2,384$199
Oklahoma City, OK$2,384$199
Denver, CO$2,342$195
Memphis, TN$2,342$195
Atlanta, GA$2,310$193
San Jose, CA$2,244$187
Phoenix, AZ$2,186$182
Portland, OR$2,156$180
San Diego, CA$2,146$179
Boston, MA$2,138$178
Jacksonville, FL$2,132$178
Chicago, IL$2,072$173
Dallas, TX$2,042$170
Houston, TX$2,030$169
Seattle, WA$2,026$169
Nashville, TN$1,952$163
Milwaukee, WI$1,940$162
Albuquerque, NM$1,902$159
San Antonio, TX$1,844$154
Omaha, NE$1,792$149
Fort Worth, TX$1,782$149
Austin, TX$1,760$147
Indianapolis, IN$1,604$134
Columbus, OH$1,476$123
Charlotte, NC$1,408$117

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 $312 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $362 more per year.
  • Gender and age affect the rate you pay. For a 2023 Audi Q5, a 20-year-old man pays an estimated $3,968 per year, while a 20-year-old woman will pay $2,926, a difference of $1,042 per year. The females get much better rates. But by age 50, male driver rates are $1,812 and the rate for women is $1,774, a difference of only $38.
  • Getting older means cheaper auto insurance rates. The difference in insurance cost on a Q5 between a 50-year-old driver ($1,812 per year) and a 20-year-old driver ($3,968 per year) is $2,156, or a savings of 54.3%.
  • 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 $60 and $178 on your annual insurance cost, depending on the age of the driver.
  • More policy discounts means 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 many other policy discounts which could save the average driver as much as $336 per year on Audi Q5 insurance.
  • Car insurance for teens is expensive. Average rates for full coverage Q5 insurance costs $6,952 per year for a 16-year-old driver, $6,558 per year for a 17-year-old driver, and $6,148 per year for a 18-year-old driver.
  • Raising physical damage deductibles lowers cost. Boosting your physical damage deductibles from $500 to $1,000 could save around $342 per year for a 40-year-old driver and $672 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 $358 per year for a 40-year-old driver and $710 per year for a 20-year-old driver.