Insure Your Audi S5 For Less: Rates & Savings Insights

Is insurance for an Audi S5 expensive?

From the Coupe Premium trim up to the Cabriolet Prestige trim, we compared insurance cost for the S5 to discover how average policy premium ranks when compared to similar vehicles.

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  • Audi S5 car insurance costs an average of $2,890 per year, or around $241 per month.
  • The cheapest S5 trim level to insure is the Coupe Premium trim level at an estimated $2,748 per year.
  • The S5 Cabriolet Prestige is the most expensive to insure at $3,172 per year.
  • When compared to other midsize luxury cars, the Audi S5 is one of the more expensive midsize luxury cars to insure, costing $16 more per year on average.

How much does Audi S5 car insurance cost?

Drivers can plan on paying an average of $2,890 a year for full coverage to insure an Audi S5, or about $241 a month. For individual coverages, comprehensive coverage costs an estimated $758 a year, collision insurance costs approximately $1,404, and the remaining liability and medical payments insurance will cost around $728.

The rate chart below displays average 2024 Audi S5 insurance cost using different risk profiles and driver ages.

Average 2024 Audi S5 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Audi S5 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 S5 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 S5 trim levels.

2024 Audi S5 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,618$552
Safe Driver Age 20$5,796$483
At-fault Accidents Age 40$4,064$339
Low Deductibles Age 40$3,844$320
Safe Driver Age 30$3,088$257
Safe Driver Age 40$2,890$241
Safe Driver Age 50$2,546$212
High Deductibles Age 40$2,400$200
Discount Rate Age 40$2,398$200
Safe Driver Age 60$2,382$199

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 S5 trim levels. Updated June 27, 2025

The next table shows the estimated annual and 6-month policy costs, plus a monthly insurance rate, for each Audi S5 package and trim.

2024 Audi S5 Insurance Rates by Trim Level
2024 Audi S5 Trim Level Annual Premium Cost Per Month
Coupe Premium$2,748$229
Sportback Premium$2,748$229
Coupe Premium Plus$2,814$235
Sportback Premium Plus$2,814$235
Coupe Prestige$2,894$241
Sportback Prestige$2,904$242
Cabriolet Premium$2,930$244
Cabriolet Premium Plus$2,980$248
Cabriolet Prestige$3,172$264

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 S5 ranging from the Coupe Premium model at $2,748 per year to the Cabriolet Prestige model at $3,172
Insurance cost by trim level for a 2024 Audi S5 ranging from the Coupe Premium model at $2,748 per year to the Cabriolet Prestige model at $3,172

The following data table illustrates average insurance rates for an Audi S5 for the 2013 to 2024 model years.

Audi S5 Insurance Cost for 2013-2024 Models
Model Year and Vehicle Annual Premium Cost Per Month
2024 Audi S5$2,890$241
2023 Audi S5$2,802$234
2022 Audi S5$2,596$216
2021 Audi S5$2,494$208
2020 Audi S5$2,414$201
2019 Audi S5$2,264$189
2018 Audi S5$2,114$176
2017 Audi S5$1,968$164
2016 Audi S5$2,116$176
2015 Audi S5$1,978$165
2014 Audi S5$1,810$151
2013 Audi S5$1,786$149

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 S5 trim levels for each model year. Updated June 26, 2025

Average annual premium and cost per month to insure 2013 to 2024 Audi S5 models
Average annual premium and cost per month to insure 2013 to 2024 Audi S5 models

Where do Audi S5 insurance prices rank?

The Audi S5 ranks 18th out of 34 total comparison vehicles in the midsize luxury car class for insurance affordability. The S5 costs an average of $2,890 per year for full coverage car insurance, while the class average rate is $2,874 per year, a difference of $16 per year.

When rates are compared to some other models in the midsize luxury car category, insurance rates for an Audi S5 cost $444 more per year than the Lexus ES 350, $42 more than the BMW 530i, and $240 more than the Infiniti Q50.

The chart displayed below shows how Audi S5 car insurance cost compares to the top-selling midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S. An expanded table is also displayed following the chart that ranks average car insurance policy pricing for all 34 models in the midsize luxury car class.

Average 2024 Audi S5 car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2024 Audi S5 car insurance premium compared to other midsize luxury car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Audi S5. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Audi S5 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Audi S5 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$480
2Lexus IS 300$2,414-$476
3Lexus ES 350$2,446-$444
4Mercedes-Benz AMG CLA35$2,456-$434
5Lexus RC 300$2,462-$428
6Jaguar XF$2,476-$414
7Cadillac CT5$2,526-$364
8Lexus ES 250$2,534-$356
9Lexus ES 300h$2,572-$318
10Audi A3$2,634-$256
11Infiniti Q50$2,650-$240
12Mercedes-Benz AMG CLA45$2,682-$208
13Audi S4$2,692-$198
14Mercedes-Benz EQE 350$2,724-$166
15BMW i4$2,734-$156
16Lexus IS 500$2,770-$120
17BMW 530i$2,848-$42
18Audi S5$2,890--
19BMW 540i$2,900$10
20BMW 430i$2,940$50
21BMW i5$2,960$70
22Genesis G80$2,976$86
23Mercedes-Benz EQE 500$3,008$118
24Mercedes-Benz AMG C43$3,024$134
25Audi A6$3,036$146
26Tesla Model S$3,070$180
27BMW 530e$3,100$210
28Audi RS 5$3,106$216
29Audi S6$3,128$238
30BMW M440i$3,206$316
31Audi A7$3,268$378
32Lexus LC 500h$3,508$618
33Audi S7$3,624$734
34BMW M8$3,948$1,058

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

Additional rates and insights

Additional notable insights about Audi S5 insurance cost include:

  • Don’t be a negligent driver. Too many at-fault accidents will increase rates, possibly as much as $1,378 per year for a 30-year-old driver and even as much as $834 per year for a 50-year-old driver.
  • Good credit can save money. Drivers who have credit scores over 800 could save up to $454 per year over a lower credit score of 670-739. Conversely, a less-than-perfect credit score could cost around $526 more per year.
  • Earn discounts to save money. Discounts may be available if the insured drivers are claim-free, choose electronic billing, are senior citizens, are good students, or many other discounts which could save the average driver as much as $492 per year on the cost of insuring a S5.
  • It’s expensive to buy high-risk insurance. For a 30-year-old driver, having too many driving record violations or accidents increases the cost by $3,530 or more per year.
  • Get cheaper rates because of your employer. The large majority of auto insurance companies offer discounts for working in professions like high school and elementary teachers, accountants, scientists, nurses, doctors, lawyers, and others. If your profession qualifies you for this discount, you may save between $87 and $228 on your yearly insurance cost, subject to policy limits.
  • The cost to insure teen drivers is expensive. For teenagers, Audi S5 car insurance costs $10,119 per year for a 16-year-old driver, $9,849 per year for a 17-year-old driver, $8,915 per year for an 18-year-old driver, and $8,090 per year for a 19-year-old driver.