Are Audi Q5s Expensive to Insure? [How to Find Cheap Rates]

Average auto insurance rates for an Audi Q5 cost $1,610 a year, or around $134 a month. On average, comprehensive coverage costs $392, collision coverage costs $572, and liability coverage costs $454 for Audi Q5 insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 17, 2020

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Key Takeaways:

  • Full coverage costs around $1,610 a year or $134 each month
  • A liability-only policy costs around $646 a year or $54 each month
  • Highest rates are for teenage drivers at around $5,885 a year or $490 each month
  • Good drivers can save as much as $664 a year by earning policy discounts
  • Audi Q5 insurance costs around $91 more per year than the average vehicle

You don’t have to spend a lot of time researching Audi Q5 car insurance rates if you know where to look. Allow our in-depth guide to walk you through each factor that determines Audi Q5 insurance rates so the heavy lifting is taken care of for you.

You can even start comparing quotes for Audi Q5 rates from some of the best car insurance companies by using our free online tool now.

Audi Q5 Insurance Cost

The average Audi Q5 car insurance costs are $1,610 a year or $134 a month.

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Are Audi Q5s Expensive to Insure?

The chart below details how Audi Q5 insurance rates compare to other crossovers like the Kia Niro, Lincoln MKT, and Lexus NX 300.

Vehicle Comprehensive Collision Liability Total
Audi Q5 $362 $718 $372 $1,610
Kia Niro $282 $478 $398 $1,316
Lincoln MKT $370 $626 $450 $1,626
Lexus NX 300 $376 $688 $372 $1,594
Nissan Rogue $268 $512 $440 $1,400
Honda CR-V $280 $408 $316 $1,140
Honda HR-V $294 $532 $372 $1,356
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However, there are a few things you can do to find the cheapest Audi insurance rates online.

What Impacts the Cost of Audi Q5 Insurance?

The Audi Q5 trim and model you choose can impact the total price you will pay for Audi Q5 insurance coverage.

Age of the Vehicle

Older Audi Q5 models generally cost less to insure. For example, auto insurance rates for a 2020 Audi Q5 are $1,610, while 2010 Audi Q5 rates are $1,274, a difference of $336.

Model Year Comprehensive Collision Liability Total
2020 Audi Q5 $362 $718 $372 $1,610
2019 Audi Q5 $346 $690 $390 $1,584
2018 Audi Q5 $332 $686 $398 $1,574
2017 Audi Q5 $320 $668 $416 $1,562
2016 Audi Q5 $310 $640 $430 $1,538
2015 Audi Q5 $292 $618 $442 $1,510
2014 Audi Q5 $282 $574 $452 $1,466
2013 Audi Q5 $270 $540 $456 $1,424
2012 Audi Q5 $258 $484 $460 $1,360
2011 Audi Q5 $242 $446 $460 $1,306
2010 Audi Q5 $234 $418 $464 $1,274
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Driver Age

Driver age can have a significant impact on Audi Q5 auto insurance rates. For example, 20-year-old drivers pay approximately $1,969 more each year for their Audi Q5 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Audi Q5 insurance rates. For example, drivers in Houston may pay $1,187 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Audi Q5 auto insurance. Teens and drivers in their 20’s see the highest jump in their Audi Q5 car insurance with violations on their driving record.

Audi Q5 Safety Ratings

Your Audi Q5 auto insurance rates are influenced by the Audi Q5’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Audi Q5 Crash Test Ratings

Not only do good Audi Q5 crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Audi Q5 auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Audi Q5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Audi Q5 PHEV SUV AWD N/R N/R N/R N/R
2019 Audi Q5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Audi Q5 SUV AWD Later Release 5 stars 5 stars 5 stars 4 stars
2018 Audi Q5 SUV AWD Early Release 5 stars 5 stars 5 stars 4 stars
2017 Audi Q5 SUV AWD 4 stars 4 stars 5 stars 4 stars
2016 Audi Q5 SUV AWD 4 stars 4 stars 5 stars 4 stars
2016 Audi Q5 HEV SUV AWD 4 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Audi Q5 Safety Features

The safety features of the Audi Q5 can impact your Audi Q5 car insurance rates. The Audi Q5 has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Cross-Traffic Aler

Audi Q5 Insurance Loss Probability

The Audi Q5’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Audi Q5, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision 43%
Property Damage -4%
Comprehensive 10%
Personal Injury -39%
Medical Payment -45%
Bodily Injury -22%
Source: Insurance Institute for Highway Safety
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Audi Q5 Finance and Insurance Cost

If you are financing a Audi Q5, most lenders will require your carry higher Audi Q5 coverage options including comprehensive coverage, so be sure to shop around and compare Audi Q5 auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Audi Q5 Insurance

There are many ways that you can save on Audi Q5 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Audi Q5 car insurance rates low.

  • Renew Your Audi Q5 Insurance Coverage to Avoid Lapses
  • Don’t Assume your Audi Q5 is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Move to the Countryside
  • Get Audi Q5 Auto Insurance Through Costco

Top Audi Q5 Insurance Companies

Several insurance companies offer competitive rates for the Audi Q5 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Audi Q5 drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Audi Q5 Insurance Quotes Online

To start comparing Audi Q5 car insurance quotes for free, use our online car insurance comparison tool.

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