Audi A5 insurance costs average $92 monthly for minimum coverage and $179 per month for full coverage. Depending on your specific trim and model year, costs can range from $50 monthly for a 2020 Audi A5 to $277 for a 2025 Audi A5.
Audi A5 Insurance Cost
Updated: October 1, 2025
Key Takeaways
Audi A5 insurance costs vary widely from $89 to $277 monthly depending on your specific trim level and model year choice.
The A5 ranks 272nd out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000-2025.
Travelers offers the most affordable Audi A5 coverage at $139 monthly for full coverage and $68 monthly for minimum coverage.
How Much Is Audi A5 Insurance?
| Audi A5 | $92 | $179 |
Audi A5 Insurance Cost by Model Year
Your Audi A5's model year and available trim options affect your insurance rates, with newer vehicles generally costing more due to higher replacement values. Monthly premiums for Audi A5 models span from $65 to $254, depending on the year.
| 2025 | $130 | $254 |
| 2024 | $117 | $230 |
| 2023 | $96 | $188 |
| 2022 | $84 | $164 |
| 2021 | $72 | $142 |
| 2020 | $65 | $127 |
| 2019 | $109 | $214 |
| 2018 | $111 | $217 |
| 2016 | $85 | $165 |
| 2015 | $87 | $168 |
| 2014 | $87 | $170 |
| 2013 | $74 | $143 |
| 2012 | $109 | $211 |
| 2011 | $91 | $176 |
| 2010 | $86 | $166 |
| 2009 | $77 | $148 |
| 2008 | $78 | $151 |
Audi A5 Insurance Cost by Trim
Your Audi A5's trim impacts insurance costs. Our research shows monthly premiums range from $69 for basic trims to $277 for high-end variants like the Sportback S Line Prestige. Higher trim levels cost more to insure because they're expensive to repair and replace.
| 2.0t Premium Plus Coupe 2d | $69 | $133 |
| 2.0t Prestige Coupe 2d | $72 | $139 |
| 2.0t Prestige Cabriolet 2d | $76 | $148 |
| 2.0t Premium Coupe 2d | $77 | $148 |
| 3.2 Quattro Coupe 2d | $77 | $149 |
| 2.0t Premium Plus Cabriolet 2d | $78 | $152 |
| 2.0t Premium Cabriolet 2d | $79 | $152 |
| Premium Sedan 4d | $80 | $157 |
| Premium Coupe 2d | $81 | $158 |
| 3.2 Quattro Premium Plus Coupe 2d | $83 | $161 |
| Premium Plus Coupe 2d | $85 | $166 |
| Premium Plus Sedan 4d | $85 | $167 |
| Premium Cabriolet 2d | $88 | $172 |
| Prestige Coupe 2d | $89 | $175 |
| Prestige Sedan 4d | $91 | $179 |
| 2.0t Quattro Premium Coupe 2d | $92 | $178 |
| Premium Plus Cabriolet 2d | $98 | $191 |
| Prestige Cabriolet 2d | $99 | $193 |
| 2.0t Quattro Premium Cabriolet 2d | $99 | $192 |
| Premium | $113 | $221 |
| 2.0t Fronttrak Premium Cabriolet 2d | $120 | $232 |
| Sportback S Line 45 Tfsi Premium | $121 | $237 |
| Premium Plus | $122 | $239 |
| Prestige | $132 | $259 |
| Sportback S Line 45 Tfsi Premium Plus | $135 | $264 |
| Sportback S Line 45 Tfsi Prestige | $142 | $277 |
Compare Personalized Audi A5 Insurance Costs
We've broken down Audi A5 insurance costs by model year and trim to personalize your rate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2008
Select
Trim:3.2 Quattro Coupe 2d
| 3.2 Quattro Coupe 2d | $78 | $151 |
Audi A5 Insurance Cost by Company
Audi A5 insurance costs vary by provider from $141 to $244 monthly. Minimum coverage ranges from $89 to $172, while full coverage costs $169 to $348. Rates vary due to different risk assessment models.
| AAA | $106 | $219 |
| AIG | $125 | $307 |
| Allstate | $119 | $230 |
| Amica | $116 | $239 |
| Chubb | $115 | $229 |
| Farmers | $138 | $244 |
| GEICO | $68 | $148 |
| Kemper | $90 | $185 |
| Nationwide | $96 | $167 |
| Progressive | $86 | $161 |
| State Farm | $84 | $175 |
| The Hartford | $88 | $150 |
| Travelers | $75 | $139 |
| UAIC | $133 | $166 |
Audi A5 Insurance Cost by State
Depending on your state, Audi A5 car insurance averages from $39 monthly in Wyoming to $371 in Louisiana.
| Alabama | $82 | $156 |
| Alaska | $67 | $143 |
| Arizona | $109 | $204 |
| Arkansas | $76 | $170 |
| California | $90 | $183 |
| Colorado | $89 | $213 |
| Connecticut | $120 | $207 |
| Delaware | $120 | $203 |
| Florida | $104 | $242 |
| Georgia | $126 | $209 |
| Hawaii | $48 | $110 |
| Idaho | $51 | $103 |
| Illinois | $86 | $162 |
| Indiana | $60 | $118 |
| Iowa | $55 | $133 |
| Kansas | $68 | $159 |
| Kentucky | $111 | $190 |
| Louisiana | $175 | $371 |
| Maine | $50 | $103 |
| Maryland | $132 | $224 |
| Massachusetts | $94 | $200 |
| Michigan | $141 | $273 |
| Minnesota | $77 | $163 |
| Mississippi | $82 | $163 |
| Missouri | $110 | $220 |
| Montana | $74 | $176 |
| Nebraska | $69 | $158 |
| Nevada | $149 | $269 |
| New Hampshire | $66 | $117 |
| New Jersey | $143 | $237 |
| New Mexico | $76 | $169 |
| New York | $104 | $187 |
| North Carolina | $74 | $145 |
| North Dakota | $62 | $134 |
| Ohio | $69 | $134 |
| Oklahoma | $87 | $193 |
| Oregon | $100 | $175 |
| Pennsylvania | $82 | $192 |
| Rhode Island | $113 | $202 |
| South Carolina | $88 | $165 |
| South Dakota | $55 | $171 |
| Tennessee | $73 | $148 |
| Texas | $113 | $231 |
| Utah | $93 | $159 |
| Vermont | $44 | $106 |
| Virginia | $85 | $138 |
| Washington | $81 | $152 |
| West Virginia | $83 | $168 |
| Wisconsin | $62 | $136 |
| Wyoming | $39 | $121 |
Audi A5 Insurance Cost by Driver Profile
Your driving profile dramatically impacts Audi A5 insurance costs. Young drivers under 25 pay around $342 monthly even with clean records, while adult drivers between 26-64 enjoy rates as low as $135 per month without violations.
| Adult Drivers | $92 | $179 |
| Young Drivers | $234 | $451 |
| Senior Drivers | $123 | $226 |
| Drivers With a Speeding Ticket | $114 | $225 |
| Drivers With an Accident | $135 | $262 |
| Drivers With a DUI | $170 | $327 |
| Drivers With Bad Credit | $222 | $447 |
Is an Audi A5 Expensive to Insure?
You might be concerned about Audi insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, an Audi A5 ranks 272nd out of 827, making it one of the more affordable cars to insure. Among midsize luxury sedans, the model ranks 22nd out of 47.
| Alfa Romeo Giulia | $61 | $120 |
| Cadillac Seville | $62 | $119 |
| Infiniti I | $64 | $124 |
| Lincoln LS | $68 | $132 |
| Buick Regal | $71 | $136 |
| Volvo S80 | $78 | $151 |
| Volkswagen Phaeton | $78 | $151 |
| Lincoln MKZ | $79 | $153 |
| Acura TL | $80 | $154 |
| Buick Lacrosse | $83 | $160 |
| Infiniti G-Series | $83 | $160 |
| Infiniti M | $85 | $165 |
| Mercedes C-Class | $85 | $166 |
| Mercedes E-Class | $87 | $170 |
| Buick Regal Tour X | $88 | $171 |
| Lincoln Continental | $88 | $172 |
| Buick Regal Sportback | $88 | $171 |
| Audi A6 | $90 | $176 |
| Bmw 3-series | $91 | $176 |
| Lexus GS | $91 | $177 |
| Infiniti Q40 | $93 | $181 |
| Audi A5 | $94 | $184 |
| Cadillac CTS | $96 | $187 |
| Bmw 5-series | $97 | $188 |
| Lexus ES | $97 | $189 |
| Acura RLX | $104 | $203 |
| Volvo S60 | $105 | $204 |
| Audi A5 | $107 | $208 |
| Genesis G80 | $111 | $216 |
| Audi S6 | $111 | $218 |
| Acura TLX | $112 | $218 |
| Mercedes CLS | $116 | $227 |
| Infiniti Q70 | $118 | $229 |
| Cadillac CT5 | $118 | $231 |
| Audi S7 | $124 | $244 |
| Jaguar XF | $125 | $242 |
| Mercedes EQE | $124 | $243 |
| Cadillac STS | $126 | $244 |
| Audi A7 | $128 | $250 |
| Bmw i4 | $130 | $254 |
| Bmw M5 | $132 | $259 |
| Bmw 6-series | $137 | $267 |
| Volvo S90 | $138 | $269 |
| Audi RS 7 | $150 | $295 |
| Maserati Ghibili | $184 | $362 |
| Cadillac CT5-V | $247 | $482 |
| Cadillac CTS-V | $276 | $538 |
Factors That Affect Audi Car Insurance Costs
Several factors affect your Audi A5 insurance costs:
- Age (35 to 54 median): Mature drivers receive substantially lower rates than younger buyers, offsetting the vehicle's luxury classification.
- Gender (66% male): Male ownership concentration reflects performance-oriented appeal but mature age profile moderates risk assessment.
- Income ($100,000+ median): High creditworthiness reduces premiums, while financial stability suggests responsible driving patterns and proper vehicle maintenance.
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,437. Audi A5 repair costs average $1,797 annually, making it one of Audi's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Audi A5's turbocharged 2.0-liter engine produces 261-268 horsepower with balanced performance characteristics that avoid the extreme risk classifications of high-performance variants. The quattro all-wheel-drive system enhances safety ratings while maintaining luxury appeal.
Premium Plus trims (starting at $54,200) and Prestige models ($56,950) include expensive technology like Bang & Olufsen premium audio, Audi virtual cockpit displays, and matrix LED lighting. Advanced driver assistance features and sophisticated infotainment systems increase replacement costs during comprehensive claims but may provide safety-related premium discounts.
Fuel Type
The Audi A5's turbocharged four-cylinder engine operates on premium unleaded gasoline, creating specific maintenance and repair considerations. While less demanding than high-performance engines, the direct-injection turbo system requires quality fuel and specialized service protocols.
The EPA-estimated 24-32 mpg fuel efficiency reduces operational costs compared to larger displacement luxury vehicles. However, the sophisticated engine management systems and turbocharger components demand specialized diagnostic equipment when repairs are needed, potentially limiting service location options and increasing labor costs during insurance claims.
Location
Audi A5 ownership patterns follow luxury vehicle demographics, concentrating in affluent metropolitan areas including California's coastal regions, Northeast suburban markets, and major Texas cities. These areas typically experience elevated insurance rates due to higher population density and increased accident frequency.
The vehicle's appeal to professional demographics in markets like Palo Alto, Manhattan suburbs, and Dallas-Fort Worth creates geographic clustering in high-cost insurance territories. Urban parking and commuting environments increase comprehensive coverage risks, while affluent ZIP codes often correlate with higher repair facility costs and premium parts availability.
Driver Profile
Most Audi A5 drivers represent established professionals aged 35-54 with household incomes exceeding $100,000 annually. This demographic typically receives favorable insurance rates due to financial stability, higher credit scores, and lower statistical claim frequency compared to younger performance vehicle buyers.
Driver demographics affecting Audi A5 rates:
Cheapest Audi A5 Insurance Companies
Travelers offers the most affordable full coverage A5 insurance at $139 monthly. GEICO leads for minimum coverage with rates as low as $68 per month.
| Travelers | $75 | $139 |
| GEICO | $68 | $148 |
| The Hartford | $88 | $150 |
| Progressive | $86 | $161 |
| State Farm | $84 | $175 |
Cheapest Audi A5 Insurance by State
We found that the following are the top three cheapest car insurance providers in the state for an Audi A5
- Travelers: Wins for affordability in 12 states
- Progressive: Wins for affordability in eight states
- GEICO: Wins for affordability in seven states
You can filter to see who offers the most affordable auto insurance rates for your Audi A5.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Travelers | $63 |
How to Get the Best Cheap Audi A5 Insurance
We break down how to maximize car insurance discounts for your Audi A5:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your A5's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and with another provider. After this, you can look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Audi A5, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for helps you get the cheapest rate possible. The five discounts below are the most likely we found that Audi A5 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Audi buyers typically have a median household income of $100,000 with percentages earning even more, often meaning multiple vehicles in affluent households. This substantial income level typically supports owning more than one car, qualifying A5 owners for multi-vehicle discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With approximately 19% of convertible Audi buyers having household incomes exceeding $175,000 and around 11.7% owning homes valued at more than $1 million, A5 owners can bundle auto and home insurance for substantial savings from major carriers. Their high-income status makes homeownership and multiple policies the norm.
- Good Driver/Safe Driver Discount (5% to 30% savings): The median age of Audi buyers across all models is 40, with 70% being college graduates and 60% married. This is a mature, educated demographic that maintains clean driving records. This established professional profile helps A5 owners qualify for good driver discounts across most insurance companies.
- Safety Features/Advanced Safety Discount (5% to 40% savings): NHTSA gave the A5 platform five-star overall safety ratings, and its built-in features, like automatic emergency braking and advanced driver assistance systems, help you avoid crashes. Many insurance companies offer discounts for comprehensive safety technology that comes standard.
- Professional/Occupation Discount (5% to 15% savings): With 70% being college graduates. A5 owners often work in professional occupations. Engineers, teachers, medical professionals, and other white-collar occupations frequently receive reduced rates due to their statistical safety profiles.
- 5
Consider alternative car insurance types
Audi A5 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Audi A5 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Audi A5 Insurance Cost: Bottom Line
Shop multiple companies, explore available discounts and evaluate different coverage options to find competitive rates for your vehicle.
Audi A5 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi A5.
What is the average cost of car insurance for an Audi A5?
The Audi A5's average annual insurance cost is $1,101 annually for minimum protection and $2,145 for full coverage.
What company has the cheapest car insurance for an Audi A5?
Travelers offers the most affordable full coverage A5 insurance at $139 monthly. GEICO leads for minimum coverage with rates as low as $68 per month.
Are Audi A5s expensive to insure?
No, Audi A5 insurance costs less than most cars. Out of 827 vehicles we track, the A5 ranks 272nd for affordability. Among midsize luxury sedans, this model sits at 22nd out of 47.
What factors affect insurance costs for Audi A5s?
Repairs cost more because of specialized German engineering and premium parts. Your driving record and credit score, plus the coverage level you choose, play significant roles. Location also matters. Areas with higher theft rates or fewer Audi-certified repair shops result in increased premiums.
How can I lower Audi A5 insurance costs?
Shop around with multiple insurers as rates vary, and consider usage-based insurance programs that track your driving habits. Take advantage of Audi's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi A5 Insurance Costs
We studied hundreds of millions of quote estimates across all vehicle models sold in the U.S. from 2000 to 2025 to get you the most accurate Audi A5 insurance costs.
Who We Based These Rates On
These Audi A5 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.