Audi Q5 Car Insurance Cost for 2023

• 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 the average car insurance cost for a 2023 Audi Q5 using different driver ages and policy limits.

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

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.

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 27^th 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.

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 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 $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 74.6%.
• 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 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 $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 an 18-year-old driver.
• Raising physical damage deductibles lowers costs. 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.