Audi Q5 insurance costs average $89 per month for minimum coverage and $173 monthly for full coverage. Depending on your particular trim and model year, costs can range from $46 to $279 monthly.
Audi Q5 Insurance Cost
Updated: November 16, 2025
Key Takeaways
Audi Q5 insurance costs range from $89 to $279 monthly depending on your specific trim level and model year.
The Audi Q5 ranks 361st for insurance affordability among all 827 vehicle models sold in America from 2000 through 2025.
Progressive delivers the most affordable full coverage for Audi Q5 drivers at $142 monthly, while minimum coverage starts at just $67 per month.
How Much Is Audi Q5 Insurance?
| Audi Q5 | $89 | $173 |
Audi Q5 Insurance Cost by Model Year
Your model year and available trims affect insurance rates, with newer Q5s costing more due to higher fair market value. Monthly premiums for Audi Q5 models range from $49 for older years to $234 for the newest versions.
| 2025 | $120 | $234 |
| 2024 | $118 | $231 |
| 2023 | $81 | $159 |
| 2022 | $73 | $143 |
| 2021 | $65 | $126 |
| 2020 | $60 | $117 |
| 2019 | $105 | $205 |
| 2018 | $114 | $221 |
| 2017 | $96 | $185 |
| 2016 | $97 | $189 |
| 2015 | $81 | $156 |
| 2014 | $69 | $134 |
| 2013 | $63 | $122 |
| 2012 | $49 | $96 |
| 2011 | $82 | $159 |
| 2010 | $83 | $161 |
| 2009 | $76 | $147 |
Audi Q5 Insurance Cost by Trim
Your Audi Q5's trim level dramatically affects insurance costs based on features, market value and theft appeal. Monthly premiums range from $47 for basic trims to $277 for high-performance models with premium features. Sportback and S Line versions typically cost more to insure than standard configurations.
| 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 |
Audi Q5 Insurance Cost by Company
Audi Q5 insurance costs vary by provider from $106 to $220 monthly. Minimum coverage ranges from $67 with GEICO to $145 with Farmers, while full coverage costs $142 to $314 monthly.
| 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 |
Audi Q5 Insurance Cost by State
Audi Q5 insurance costs vary from $39 monthly in Wyoming to $355 in Louisiana for minimum coverage.
| 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 Insurance Cost by Driver Profile
Your age and driving history impact Audi Q5 insurance costs. Young drivers under 25 can expect monthly premiums around $332, while adult drivers between 26 to 64 with clean records pay as little as $131 monthly.
| Adult Drivers | $89 | $173 |
| Young Drivers | $227 | $436 |
| Senior Drivers | $119 | $218 |
| Drivers With a Speeding Ticket | $111 | $217 |
| Drivers With an Accident | $131 | $253 |
| Drivers With a DUI | $166 | $319 |
| Drivers With Bad Credit | $214 | $431 |
Is an Audi Q5 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 Q5 ranks 361st out of 827, making it one of the more expensive cars to insure. Among compact luxury SUVs, the model ranks in the more expensive half of all similar models in our study.
| Land Rover Freelander | $74 | $143 |
| Land Rover LR2 | $79 | $152 |
| Bmw X3 | $85 | $164 |
| Infiniti EX | $85 | $165 |
| Mercedes GLK-Class | $87 | $169 |
| Audi Q5 | $89 | $173 |
| Infiniti QX50 | $92 | $179 |
| Cadillac XT4 | $95 | $184 |
| Bmw X1 | $96 | $188 |
| Lincoln MKC | $97 | $188 |
| Cadillac Optiq | $98 | $192 |
| Mercedes GLB | $99 | $193 |
| Audi SQ5 | $102 | $198 |
| Buick Envision | $106 | $206 |
| Cadillac XT5 | $109 | $211 |
| Jaguar F-Pace | $119 | $232 |
| Porsche Macan | $128 | $251 |
| Audi Q4 e-tron | $212 | $418 |
Factors That Affect Audi Car Insurance Costs
Several factors affect what you'll pay for Audi Q5 insurance coverage:
- Age (51 years median): Mature buyers with established driving records, though SUV accident rates affect premiums.
- Gender (65% male): Male-dominated ownership of performance luxury SUVs with higher risk profiles.
- Income ($100,000+ median): The high-income bracket enables comprehensive coverage, though the luxury SUV classification and higher repair costs substantially increase base premiums.
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467. Audi Q5 repair costs average $1,747 annually, making it a more expensive Audi to repair.
Vehicle Trim, Features and Accessories
The Audi Q5's three trim levels offer extensive luxury SUV features that affect insurance premiums. Higher trims include Bang & Olufsen 3D audio systems, virtual cockpit displays, ventilated seats, head-up display and panoramic sunroofs.
Standard quattro AWD and turbocharged engines (201 to 362 hp, including hybrid) create higher replacement costs and repair complexity than mainstream SUVs.
Fuel Type
Audi Q5s require premium gasoline (91+ octane) for optimal performance, though they can run on a minimum of 87 octane fuel. The turbocharged 2.0L engines are designed for premium fuel to prevent knocking and maintain peak efficiency.
Premium fuel costs add approximately $400 to $500 annually compared to regular fuel, contributing to higher operating expenses that factor into insurance cost calculations for luxury SUVs.
Location
Audi Q5 owners are concentrated in affluent suburban and metropolitan areas. These areas have higher insurance costs due to increased theft rates, collision frequencies and elevated repair costs.
Driver Profile
Most Audi Q5 drivers are affluent professionals and families (average age 51 years) with a median household income exceeding $100,000. This demographic receives higher insurance rates due to luxury SUV factors, though mature age and established financial stability provide some rate advantages.
Driver demographics affect Audi Q5 rates:
How to Lower the Cost of Audi Q5 Insurance
Below we outline the top car insurance discounts available for your Audi Q5:
- 1Choose the right coverage
You'll need to determine how much coverage to buy by weighing your Q5's value against your budget. If you own your Audi, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Establish a pricing baseline by looking up average auto insurance costs for luxury SUVs. This benchmark helps you recognize competitive offers when searching for the cheapest car insurance companies.
- 3Look for more than just low rates
Price shopping alone won't guarantee quality car insurance. Investigate insurers through J.D. Power satisfaction scores, forum reviews about claims experiences, Better Business Bureau complaint records and AM Best financial ratings. Low-cost providers sometimes have slow claims processing.
- 4Explore discounts you qualify for
Hunt for car insurance discounts matching your situation. Audi Q5 owners typically receive safety features discounts, multi-vehicle discounts, bundling discounts, professional occupation discounts and anti-theft discounts.
- 5Consider alternative car insurance types
Explore usage-based insurance or GEICO DriveEasy programs that track driving and reward safe habits with premium reductions.
- 6Check rates every year
Request car insurance quotes annually from multiple insurers. Market conditions change constantly, and shopping around each year can lower your Audi Q5 insurance by up to 24%.
Audi Q5 Insurance Cost: Bottom Line
Insuring an Audi Q5 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Audi Q5 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi Q5.
What is the average cost of car insurance for an Audi Q5?
The Audi Q5's average annual insurance cost is $1,067 for minimum coverage and $2,075 for full coverage.
What company has the cheapest car insurance for an Audi Q5?
GEICO offers the cheapest minimum coverage auto insurance for an Audi Q5, with an annual minimum coverage rate of $804. For those looking for full coverage policies, Progressive is the most cost-effective option at $1,704 per year.
Are Audi Q5s expensive to insure?
Yes, they are moderately expensive to insure. Audi Q5 insurance costs more than most cars. Out of 827 vehicles we track, the Q5 ranks 361st for affordability, placing it just above the average.
What factors affect insurance costs for Audi Q5s?
Several things drive up your Audi Q5 rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Audi-certified repair shops cost more.
How can I lower Audi Q5 insurance costs?
Shop around with multiple insurers as rates vary for Audis, and consider usage-based insurance programs that track your driving habits. Take advantage of Audi's safety and technology features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi Q5 Insurance Costs
Audi Q5 owners need accurate insurance cost estimates before buying or budgeting for this luxury SUV, since premium vehicles typically cost more to insure than economy cars due to higher repair costs, expensive replacement parts, and elevated theft rates for luxury models. We built this analysis to show you what you'll actually pay based on your Q5's model year, your coverage choices, and your driving profile.
We analyzed hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025, ensuring our data reflects real-world pricing for every Q5 generation from older used models to the latest releases.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.