Your Audi Q5's model year impacts insurance costs, with 2025 models costing $277 monthly compared to $47 for older versions. Newer vehicles command higher premiums due to their greater market values.
Audi Q5 Insurance Cost
Updated: January 21, 2026
Key Takeaways
Audi Q5 insurance costs an average of $173 monthly for full coverage. Rates vary by model year and insurer, with GEICO the cheapest for minimum coverage. Read more
The Q5 ranks 88th out of 256 SUVs for insurance affordability, placing it in the middle tier. SUVs cost more to insure than most vehicle types, making the Q5 average compared to typical cars. Read more
Check rates for your Q5's model year to get accurate insurance costs. Read more
How Much Is Audi Q5 Insurance?
Looking for another Audi model? Read more about the cost of Audi car insurance models.
Costs vary by model year and company. Full coverage for an Audi Q5 ranges from $142 monthly with Progressive to higher rates with AIG, while minimum coverage spans $67 with GEICO to $145 with Farmers.
Rate variations exceeding $78 for minimum coverage and $172 for full coverage demonstrate why Q5 owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $106 | $220 |
| AIG | $127 | $314 |
| Allstate | $113 | $216 |
| Amica | $114 | $234 |
| Chubb | $114 | $229 |
| Farmers | $145 | $255 |
| Geico | $67 | $146 |
| Kemper | $93 | $191 |
| Nationwide | $86 | $150 |
| Progressive | $76 | $142 |
| State Farm | $79 | $165 |
| The Hartford | $98 | $167 |
| Travelers | $78 | $145 |
| UAIC | $135 | $169 |
Is Audi Q5 Expensive to Insure?
MoneyGeek's analysis of 256 SUVs reveals the Audi Q5 ranks 88th for insurance affordability, positioning it in the middle tier of its category. You'll pay a few dollars more per month than insuring a Chevrolet Blazer but slightly less than a Chevrolet Bolt. This middle-ground placement among SUVs means there are 87 more affordable options in the SUV segment.
While it's middle-of-the-pack among SUVs, the Q5 actually sits in the top half for overall affordability at 361st out of 827 total vehicles in our database. SUVs tend to cost more to insure than other vehicle types, so this ranking is relatively good. The cheapest SUV to insure is the Isuzu Amigo, while the priciest is the Audi SQ8 e-tron.
| Honda HR-V | $130 | 85 |
| Volkswagen ID.4 | $130 | 86 |
| Chevrolet Blazer | $130 | 87 |
| Audi Q5 | $131 | 88 |
| Hummer H3 | $131 | 89 |
| Chevrolet Bolt | $131 | 89 |
| Ford EcoSport | $131 | 90 |
| Jeep Wrangler Unlimited | $131 | 91 |
| Toyota Sequoia | $131 | 91 |
Several factors affect what you'll pay for Audi Q5 insurance:
- Average Repair or Replacement Costs: At $1,747 annually, the Audi Q5 ranks as the 15th most expensive model to maintain among Audi's 33 vehicles, making repair costs a moderate factor in premium calculations.
- Vehicle Trim, Features and Accessories: The Q5's horsepower ranges from 261 to 349, depending on your chosen trim level. Higher-performance variants with increased horsepower capabilities result in higher insurance premiums due to greater risk exposure.
- Driver Profile:Â Most Q5 owners fall between 35 and 50 years old, with a median age of around 42, and higher income levels often lead to lower rates. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Audi Q5s for young drivers.
Audi Q5 Insurance Cost by State
Car insurance for an Audi Q5 costs as little as $39 per month in Wyoming or as much as $170 in Louisiana for minimum coverage, depending on where you live. Your state's risk characteristics and insurance regulations drive these differences, not the model itself.
| Alabama | $76 | $146 |
| Alaska | $62 | $133 |
| Arizona | $105 | $196 |
| Arkansas | $75 | $168 |
| California | $87 | $176 |
| Colorado | $86 | $206 |
| Connecticut | $118 | $203 |
| Delaware | $116 | $195 |
| Florida | $99 | $229 |
| Georgia | $120 | $198 |
| Hawaii | $45 | $102 |
| Idaho | $49 | $100 |
| Illinois | $83 | $156 |
| Indiana | $60 | $118 |
| Iowa | $54 | $130 |
| Kansas | $66 | $156 |
| Kentucky | $108 | $184 |
| Louisiana | $170 | $355 |
| Maine | $48 | $100 |
| Maryland | $133 | $224 |
| Massachusetts | $93 | $198 |
| Michigan | $137 | $265 |
| Minnesota | $77 | $161 |
| Mississippi | $81 | $160 |
| Missouri | $119 | $236 |
| Montana | $70 | $167 |
| Nebraska | $68 | $155 |
| Nevada | $145 | $262 |
| New Hampshire | $63 | $113 |
| New Jersey | $140 | $232 |
| New Mexico | $72 | $161 |
| New York | $103 | $185 |
| North Carolina | $73 | $144 |
| North Dakota | $58 | $128 |
| Ohio | $68 | $133 |
| Oklahoma | $84 | $187 |
| Oregon | $98 | $172 |
| Pennsylvania | $83 | $193 |
| Rhode Island | $110 | $196 |
| South Carolina | $86 | $161 |
| South Dakota | $53 | $163 |
| Tennessee | $70 | $143 |
| Texas | $107 | $219 |
| Utah | $92 | $158 |
| Vermont | $45 | $105 |
| Virginia | $87 | $141 |
| Washington | $79 | $147 |
| West Virginia | $82 | $166 |
| Wisconsin | $60 | $132 |
| Wyoming | $39 | $123 |
Audi Q5 Costs by Model Year and Insurance Company
Model year plays a major role in determining your Audi Q5 insurance costs, along with driver age on your policy. A 2016 Audi Q5 costs around $204 monthly for full coverage for drivers aged 35 to 55, while a 2025 model jumps to $265 per month. Newer vehicles command higher premiums, and teen drivers will face much steeper rates across all model years.
Progressive offers the cheapest rates across all Audi Q5 model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Audi Q5
| Geico | $90 | $196 |
| Progressive | $96 | $180 |
| State Farm | $103 | $215 |
| Travelers | $107 | $198 |
| National General | $108 | $222 |
| Nationwide | $110 | $191 |
| Kemper | $124 | $256 |
| The Hartford | $128 | $219 |
| AAA | $147 | $305 |
| Allstate | $154 | $296 |
| Amica | $164 | $336 |
| Chubb | $167 | $335 |
| AIG | $177 | $440 |
| UAIC | $182 | $229 |
| Farmers | $203 | $356 |
Cost of Car Insurance for 2024 Audi Q5
| Geico | $88 | $194 |
| Progressive | $95 | $177 |
| State Farm | $101 | $212 |
| Travelers | $106 | $196 |
| National General | $107 | $218 |
| Nationwide | $108 | $188 |
| Kemper | $122 | $252 |
| The Hartford | $126 | $216 |
| AAA | $145 | $301 |
| Allstate | $152 | $292 |
| Amica | $161 | $331 |
| Chubb | $164 | $330 |
| AIG | $174 | $434 |
| UAIC | $179 | $225 |
| Farmers | $200 | $351 |
Cost of Car Insurance for 2023 Audi Q5
| Geico | $61 | $133 |
| Progressive | $65 | $122 |
| State Farm | $70 | $146 |
| Travelers | $73 | $135 |
| National General | $73 | $150 |
| Nationwide | $74 | $129 |
| Kemper | $84 | $174 |
| The Hartford | $87 | $148 |
| AAA | $100 | $207 |
| Allstate | $104 | $201 |
| Amica | $111 | $228 |
| Chubb | $113 | $227 |
| AIG | $120 | $299 |
| UAIC | $123 | $155 |
| Farmers | $137 | $242 |
Cost of Car Insurance for 2022 Audi Q5
| Geico | $55 | $120 |
| Progressive | $59 | $110 |
| State Farm | $63 | $131 |
| Travelers | $65 | $121 |
| National General | $66 | $135 |
| Nationwide | $67 | $116 |
| Kemper | $76 | $156 |
| The Hartford | $78 | $133 |
| AAA | $89 | $186 |
| Allstate | $94 | $180 |
| Amica | $100 | $205 |
| Chubb | $101 | $204 |
| AIG | $108 | $268 |
| UAIC | $111 | $139 |
| Farmers | $123 | $217 |
Cost of Car Insurance for 2021 Audi Q5
| Geico | $48 | $106 |
| Progressive | $52 | $97 |
| State Farm | $55 | $116 |
| Travelers | $58 | $107 |
| National General | $58 | $119 |
| Nationwide | $59 | $103 |
| Kemper | $67 | $138 |
| The Hartford | $69 | $118 |
| AAA | $79 | $165 |
| Allstate | $83 | $160 |
| Amica | $88 | $181 |
| Chubb | $90 | $180 |
| AIG | $95 | $237 |
| UAIC | $98 | $123 |
| Farmers | $109 | $192 |
Cost of Car Insurance for 2020 Audi Q5
| Geico | $45 | $98 |
| Progressive | $48 | $90 |
| State Farm | $51 | $107 |
| Travelers | $53 | $99 |
| National General | $54 | $110 |
| Nationwide | $55 | $95 |
| Kemper | $62 | $127 |
| The Hartford | $64 | $109 |
| AAA | $73 | $152 |
| Allstate | $77 | $148 |
| Amica | $82 | $167 |
| Chubb | $83 | $167 |
| AIG | $88 | $219 |
| UAIC | $91 | $114 |
| Farmers | $101 | $177 |
Cost of Car Insurance for 2019 Audi Q5
| Geico | $79 | $172 |
| Travelers | $83 | $154 |
| National General | $86 | $175 |
| Progressive | $95 | $178 |
| State Farm | $96 | $202 |
| The Hartford | $103 | $175 |
| Nationwide | $111 | $193 |
| Kemper | $111 | $227 |
| AAA | $120 | $250 |
| Amica | $129 | $265 |
| Chubb | $132 | $266 |
| Allstate | $138 | $267 |
| UAIC | $145 | $182 |
| AIG | $147 | $367 |
| Farmers | $153 | $266 |
Cost of Car Insurance for 2018 Audi Q5
| National General | $80 | $165 |
| Geico | $86 | $188 |
| Travelers | $98 | $180 |
| Progressive | $106 | $199 |
| State Farm | $108 | $225 |
| Kemper | $121 | $248 |
| Nationwide | $121 | $209 |
| Chubb | $123 | $244 |
| Amica | $128 | $262 |
| AAA | $129 | $267 |
| The Hartford | $135 | $230 |
| Allstate | $139 | $268 |
| AIG | $152 | $372 |
| UAIC | $173 | $215 |
| Farmers | $178 | $310 |
Cost of Car Insurance for 2017 Audi Q5
| National General | $68 | $139 |
| Geico | $73 | $158 |
| Travelers | $82 | $151 |
| Progressive | $89 | $167 |
| State Farm | $91 | $189 |
| Kemper | $101 | $208 |
| Nationwide | $101 | $176 |
| Chubb | $103 | $205 |
| Amica | $108 | $221 |
| AAA | $108 | $224 |
| The Hartford | $113 | $193 |
| Allstate | $117 | $225 |
| AIG | $127 | $312 |
| UAIC | $146 | $181 |
| Farmers | $150 | $261 |
Cost of Car Insurance for 2016 Audi Q5
| National General | $69 | $141 |
| Geico | $74 | $160 |
| Travelers | $84 | $154 |
| Progressive | $91 | $170 |
| State Farm | $92 | $192 |
| Kemper | $103 | $212 |
| Nationwide | $103 | $179 |
| Chubb | $105 | $209 |
| Amica | $110 | $224 |
| AAA | $110 | $228 |
| The Hartford | $115 | $196 |
| Allstate | $119 | $229 |
| AIG | $130 | $318 |
| UAIC | $148 | $184 |
| Farmers | $152 | $265 |
Audi Q5 Insurance Cost by Trim
Insurance costs for your Audi Q5 range from $47 monthly for minimum coverage on basic 45 Tfsi Titanium Premium Sport Utility 4d models to $277 for full coverage on high-performance 55 Tfsi E S Line Prestige variants. Performance features, rarity, and market value determine where each trim falls in this range.
| 45 Tfsi Titanium Premium Sport Utility 4d | $47 | $92 |
| 45 Tfsi Premium Sport Utility 4d | $52 | $101 |
| 55 Tfsi E Premium Sport Utility 4d | $56 | $110 |
| 45 Tfsi Premium Plus Sport Utility 4d | $57 | $112 |
| 45 Tfsi Titanium Premium Plus Sport Utility 4d | $59 | $115 |
| 45 Tfsi Prestige Sport Utility 4d | $62 | $121 |
| 2.0t Quattro Premium Sport Utility 4d | $62 | $121 |
| 2.0t Premium Sport Utility 4d | $64 | $124 |
| 55 Tfsi E Premium Plus Sport Utility 4d | $66 | $128 |
| 40 Tfsi Premium Sport Utility 4d | $67 | $130 |
| 45 Tfsi Titanium Prestige Sport Utility 4d | $67 | $131 |
| 2.0t Premium Plus Sport Utility 4d | $68 | $132 |
| 3.2 Quattro Premium Plus Sport Utility 4d | $69 | $134 |
| 45 Tfsi S Line Premium Sport Utility 4d | $69 | $135 |
| Sportback 45 Tfsi Premium Sport Utility 4d | $70 | $136 |
| 40 Tfsi Premium Plus Sport Utility 4d | $71 | $139 |
| 45 Tfsi S Line Premium Plus Sport Utility 4d | $72 | $141 |
| Sportback 45 Tfsi Premium Plus Sport Utility 4d | $73 | $141 |
| 55 Tfsi E S Line Premium Sport Utility 4d | $74 | $144 |
| 3.0t Premium Plus Sport Utility 4d | $77 | $150 |
| 55 Tfsi E Prestige Sport Utility 4d | $79 | $153 |
| 55 Tfsi E S Line Premium Plus Sport Utility 4d | $79 | $155 |
| 3.2 Quattro Premium Sport Utility 4d | $80 | $154 |
| 45 Tfsi S Line Prestige Sport Utility 4d | $80 | $155 |
| 40 Tfsi Prestige Sport Utility 4d | $81 | $157 |
| Tdi Premium Plus Sport Utility 4d | $81 | $156 |
| Sportback 45 Tfsi Prestige Sport Utility 4d | $87 | $170 |
| Hybrid Prestige Sport Utility 4d | $89 | $173 |
| 55 Tfsi E S Line Prestige Sport Utility 4d | $92 | $179 |
| Premium Sport Utility 4d | $96 | $186 |
| Tdi Prestige Sport Utility 4d | $97 | $187 |
| 3.0t Prestige Sport Utility 4d | $98 | $190 |
| 40 Tfsi Premium | $99 | $192 |
| Premium W/Technology Value Pkg Sport Utility 4d | $103 | $200 |
| 45 Tfsi S Line Premium | $105 | $205 |
| Premium | $107 | $209 |
| Premium Plus Sport Utility 4d | $108 | $211 |
| 40 Tfsi Premium Plus | $110 | $214 |
| Sportback 45 Tfsi Premium | $112 | $219 |
| Premium Plus W/Technology Value Pkg Sport Utility 4d | $114 | $221 |
| Sportback Premium | $115 | $224 |
| 45 Tfsi S Line Premium Plus | $116 | $225 |
| Premium Plus | $117 | $228 |
| Sportback 45 Tfsi Premium Plus | $119 | $232 |
| 40 Tfsi Prestige | $119 | $233 |
| Sportback Premium Plus | $121 | $236 |
| Prestige Sport Utility 4d | $122 | $238 |
| 55 Tfsi E S Line Premium | $124 | $242 |
| 45 Tfsi S Line Prestige | $125 | $243 |
| Prestige | $125 | $244 |
| Sportback 45 Tfsi Prestige | $128 | $249 |
| Prestige W/Technology Value Pkg Sport Utility 4d | $128 | $249 |
| Sportback Prestige | $130 | $252 |
| 55 Tfsi E S Line Premium Plus | $135 | $263 |
| 55 Tfsi E S Line Prestige | $142 | $277 |
How to Lower the Cost of Audi Q5 Insurance
We've compiled proven strategies that help you find better rates on your Audi Q5 insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Audi Q5. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs. This benchmark assists with finding the cheapest car insurance companies that offer competitive rates for your Audi Q5.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need it most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Audi Q5 owners often get safety features discounts, good driver discounts, bundling savings and multi-vehicle discounts. These savings can reduce your annual premiums when combined effectively.
- 5Consider alternative car insurance types
Audi Q5 owners might benefit from usage-based insurance programs. Options like Progressive Snapshot telematics or Allstate Drivewise safe driving apps track your driving habits and deliver premium reductions based on safe driving behaviors.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Audi Q5 insurance. Regular shopping ensures you're getting the best available rates.
Audi Q5 Insurance Cost: Bottom Line
Audi Q5 insurance runs about average in cost, but you can still secure decent rates. Shopping multiple insurers, claiming available discounts and selecting appropriate coverage options helps you find better pricing for your vehicle.
Audi Q5 Insurance Rates: FAQ
What is the average cost of car insurance for an Audi Q5?
Audi Q5 insurance costs $1,067 annually for state minimum coverage and $2,075 for full coverage. These rates make the Q5 relatively affordable compared to national averages.
What company has the cheapest car insurance for an Audi Q5?
GEICO provides the most affordable minimum coverage for an Audi Q5 at $799 annually. Progressive offers the best value for full coverage at $1,699 per year.
Are Audi Q5s expensive to insure?
No, Audi Q5 insurance is not more expensive than most vehicles. Among SUVs, this model ranks 88th out of 256 for affordability, while it places 361st out of 827 total vehicles we track.
What factors affect insurance costs for Audi Q5s?
Multiple factors affect your Audi Q5 insurance rates. The luxury SUV's higher repair costs due to premium parts and advanced safety technology increase premiums. Your driving record and credit score, plus the coverage you pick, play a big role in determining your final rate.
How can I lower Audi Q5 insurance costs?
Compare quotes from several insurers since Audi Q5 pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Audi Q5 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Audi Q5 insurance costs.
Who We Based These Rates On
These Audi Q5 rates reflect what an average 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.