Audi Q5 Car Insurance Cost for 2022

How much does Audi Q5 insurance cost? We compared rates from the Premium 45 up to the Prestige 55 model to see how average cost compares to other small luxury SUVs.

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  • Expect to pay an average of $1,756 per year, $878 for a 6-month policy, or $146 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 45 trim level at $1,648 per year.
  • The Q5 Prestige 55 e Plug-in Hybrid has the highest average car insurance rates at $1,880 per year.
  • The Audi Q5 is one of the more expensive small luxury SUVs to insure, costing $55 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 $1,756 a year for a full-coverage policy, or around $146 if paid each month.

Expect to pay approximately $55 more per year to insure an Audi Q5 compared to the small luxury SUVs average rate, and $205 more per year than the overall all-vehicle national average of $1,551.

Average monthly payments for full-coverage Audi Q5 insurance range from $137 to $157 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 2022 Audi Q5 using different driver ages and policy limits.

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Chart Data Details: Average rates are for a 2022 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 April 20, 2022
Audi Q5 Insurance Cost Summary
Audi Q5 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,992$333
Safe Driver Age 20$3,498$292
At-fault Accidents Age 40$2,464$205
Low Deductibles Age 40$2,342$195
Safe Driver Age 30$1,866$156
Safe Driver Age 40$1,756$146
Safe Driver Age 50$1,600$133
Safe Driver Age 60$1,572$131
Discount Rate Age 40$1,458$122
High Deductibles Age 40$1,454$121

The table below shows average Audi Q5 car insurance rates for the 2013 to 2022 model years and are broken down for drivers age 20 to 60.

Audi Q5 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,498$1,866$1,756$1,600$1,572
2021$3,304$1,758$1,658$1,510$1,484
2020$3,240$1,722$1,624$1,478$1,452
2019$3,128$1,660$1,570$1,428$1,404
2018$3,016$1,602$1,516$1,380$1,356
2017$2,940$1,558$1,474$1,346$1,322
2016$2,954$1,558$1,484$1,352$1,328
2015$2,894$1,526$1,454$1,326$1,302
2014$2,622$1,386$1,320$1,204$1,182
2013$2,596$1,360$1,304$1,190$1,168

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Table Data Details: Average rates assume 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 March 8, 2022
Audi Q5 Car Insurance Rates by Model Year

What is the cheapest Audi Q5 car insurance?

With Audi Q5 insurance cost ranging from $1,648 to $1,880 per year for an average driver, the cheapest Q5 to insure is the Premium 45. The second cheapest model to insure is the Premium 40 at $1,648 per year. On average, expect to budget at least $137 per month for full coverage insurance on a 2022 Q5 and less for older models.

The two most expensive models of Audi Q5 to insure are the Prestige 55 e Plug-in Hybrid at $1,880 and the Premium Plus 55 e Plug-in Hybrid at $1,830 per year. Those trims will cost an extra $232 and $182 per year, respectively, over the least expensive Premium 45 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.

2022 Audi Q5 Insurance Cost by Trim Level
Audi Q5 Trim Level Annual Policy 6-month Policy Per Month
Premium 45$1,648$824$137
Premium 40$1,648$824$137
Premium Plus 40$1,688$844$141
Sportback Premium 45$1,714$857$143
Premium Plus 45$1,724$862$144
Sportback Premium Plus 45$1,762$881$147
Prestige 40$1,766$883$147
Premium 55 e Plug-in Hybrid$1,784$892$149
Prestige 45$1,798$899$150
Sportback Prestige 45$1,822$911$152
Premium Plus 55 e Plug-in Hybrid$1,830$915$153
Prestige 55 e Plug-in Hybrid$1,880$940$157

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 March 8, 2022
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 $130 more per year than the Volvo XC60, $458 more per year than the Acura RDX, $98 less per year than the BMW X3, and $152 more per year than the Mercedes-Benz GLC300.

The Audi Q5 ranks #24 out of 34 total comparison vehicles in the small luxury SUV class. The Q5 costs an estimated $1,756 per year to insure for full coverage, while the class average is $1,701 per year, a difference of $55 per year.

The table below shows how Audi Q5 insurance cost ranks when compared to all 34 models in the 2022 compact luxury SUV class.

Insurance Cost Comparison: Audi Q5 vs Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,298-$458
2Cadillac XT4$1,330-$426
3Volvo XC40$1,456-$300
4Lexus NX 250$1,504-$252
5BMW X1$1,506-$250
6Lexus NX 350h$1,514-$242
7Lexus UX 250h$1,516-$240
8Lexus NX 350$1,542-$214
9Lexus UX 200$1,548-$208
10Lexus NX 450h$1,584-$172
11Mercedes-Benz GLB 250$1,590-$166
12Land Rover Evoque$1,600-$156
13Lincoln Corsair$1,602-$154
14Mercedes-Benz GLC300$1,604-$152
15Volvo C40$1,618-$138
16Mercedes-Benz GLA250$1,620-$136
17Volvo XC60$1,626-$130
18BMW X2$1,678-$78
19Audi Q3$1,700-$56
20Mercedes-Benz GLA35 AMG$1,704-$52
21Infiniti QX55$1,714-$42
22Genesis GV70$1,734-$22
23Mercedes-Benz GLA45 AMG$1,754-$2
24Audi Q5$1,756--
25Audi Q4$1,776$20
26Land Rover Defender$1,786$30
27Land Rover Range Rover Velar$1,792$36
28Alfa Romeo Stelvio$1,828$72
29BMW X3$1,854$98
30Porsche Macan$1,918$162
31Jaguar I-Pace$1,958$202
32Jaguar F-Pace$2,012$256
33BMW X4$2,066$310
34Aston Martin DBX$2,750$994

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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 March 8, 2022
Insurance Cost Comparison: Audi Q5 vs Small Luxury SUVs

Does where I live impact the cost of car insurance?

The cost to insure an Audi Q5 varies considerably, from lower rates like $1,188 a year in Virginia Beach, VA, or $1,330 in Columbus, OH, to high rates like $6,920 a year in Detroit, MI, and $2,940 in Las Vegas, NV.

Other larger metro area rates include Fresno, CA, at an estimated $2,104 per year, San Francisco, CA, costing $2,520, Mesa, AZ, averaging $1,780, and Milwaukee, WI, at $1,788.

The bar chart below details average estimated Audi Q5 insurance policy costs for the 15 largest cities in America. For this comparison, rates range from $1,330 per year in Columbus, OH, to $3,336 in New York City, a difference of $2,006.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 March 8, 2022
Audi Q5 Insurance Rates in Large U.S. Cities
Audi Q5 Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,336$278
Philadelphia, PA$2,946$246
Los Angeles, CA$2,932$244
San Francisco, CA$2,520$210
Jacksonville, FL$2,508$209
San Jose, CA$2,090$174
Phoenix, AZ$2,032$169
San Diego, CA$1,988$166
Chicago, IL$1,922$160
Dallas, TX$1,886$157
Houston, TX$1,878$157
Indianapolis, IN$1,780$148
San Antonio, TX$1,692$141
Austin, TX$1,608$134
Columbus, OH$1,330$111

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 $276 per year compared to a credit score ranging from 670-739. Conversely, a subpar credit score could cost up to $320 more per year.
  • Gender and age affect the rate you pay. For a 2022 Audi Q5, a 20-year-old man pays an estimated $3,498 per year, while a 20-year-old woman will pay $2,578, a difference of $920 per year. The females get much better rates. But by age 50, male driver rates are $1,600 and the rate for women is $1,566, a difference of only $34.
  • Getting older means cheaper auto insurance rates. The difference in insurance cost on a Q5 between a 50-year-old driver ($1,600 per year) and a 20-year-old driver ($3,498 per year) is $1,898, 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 $53 and $158 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 $298 per year on Audi Q5 insurance.
  • Car insurance for teens is expensive. Average rates for full coverage Q5 insurance costs $6,138 per year for a 16-year-old driver, $5,788 per year for a 17-year-old driver, and $5,424 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 $302 per year for a 40-year-old driver and $588 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 $312 per year for a 40-year-old driver and $624 per year for a 20-year-old driver.