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
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:
2008
3.2 Quattro Coupe 2d
| 3.2 Quattro Coupe 2d | $78 | $151 |
Audi A5 Insurance Cost by Company
Audi A5 insurance costs $141 to $244 a month depending on the provider. Minimum coverage is $89 to $172. Full coverage is $169 to $348. Each insurer uses its own risk model, which is why the same driver gets different quotes.
| 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
Audi A5 insurance averages $39 a month in Wyoming and $371 in Louisiana, which are the cheapest and most expensive states in MoneyGeek's data.
| 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
Driver age affects Audi A5 premiums by hundreds of dollars. Drivers under 25 pay around $342 a month even with clean records. Drivers 26 to 64 pay as low as $135 with no 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?
The Audi A5 ranks 272nd out of 827 vehicles in MoneyGeek's database, which is less expensive to insure than most cars on the U.S. market. Among midsize luxury sedans, it 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:
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:
- 1Choose the right coverage
Coverage needs depend on what your A5 is worth, how much you drive and what you can afford out of pocket.
Tight budget (you own the car):
- Your state's minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Better protection (you own the car):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
Coverage Limits Explained ($100,000/$300,000/$100,000):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Check average auto insurance costs for your vehicle to know whether your current rate is competitive. Then use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for more than just low rates
Price isn't everything with car insurance. Check J.D. Power satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings. Forum reviews on claims handling are worth reading too. Compare coverage limits and deductibles alongside price.
- 4Explore discounts you qualify for
Check every car insurance discount before buying. These five are the ones A5 owners most commonly qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Audi buyers have a median household income of $100,000, and many earn more. Multiple vehicles are common in that income range, and nearly all insurers discount for multi-vehicle policies.
- Bundling/Multi-Policy Discount (5% to 25% savings): About 19% of convertible Audi buyers have household incomes above $175,000, and around 11.7% own homes valued at more than $1 million. A5 owners who bundle auto and home with the same carrier save 5% to 25%.
- Good Driver/Safe Driver Discount (5% to 30% savings): The median Audi buyer is 40, college-educated and married. That demographic maintains clean records at high rates, and most insurers reward it with good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): NHTSA gave the A5 platform five-star overall safety ratings. Standard features including automatic emergency braking and advanced driver assistance systems qualify for discounts at many insurers.
- Professional/Occupation Discount (5% to 15% savings): With 70% of A5 owners being college graduates, many work in professional occupations. Engineers, teachers and medical professionals often get lower rates because of their statistical safety profiles.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot track your driving and lower premiums for safe habits. If you drive your A5 infrequently, a mileage-based program can cut costs further.
- 6Check rates every year
Comparing quotes from multiple insurers each year can cut your Audi A5 insurance by up to 24%. Rates and discounts change, so what's cheapest today may not be next year.
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
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions:
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.