Audi S5 insurance costs average $105 monthly for minimum coverage and $205 for full coverage. Depending on your particular trim and model year, costs can range from $67 for a 2012 Audi S5 to $338 monthly for a 2018 Audi S5.
Audi S5 Insurance Cost
Updated: October 1, 2025
Key Takeaways
Audi S5 monthly insurance premiums vary widely from $89 to $338 based on your specific trim level and model year selection.
Among all vehicle models available in the US market from 2000-2025, the Audi S5 ranks 472nd out of 827 for insurance affordability.
Travelers offers the most affordable full coverage for Audi S5 drivers at $159 monthly, while minimum coverage starts at just $80 per month.
How Much Is Audi S5 Insurance?
| Audi S5 | $105 | $205 |
Audi S5 Insurance Cost by Model Year
Your Audi S5's model year and available trim options affect insurance rates, with newer models usually costing more due to higher vehicle value. Monthly premiums for different S5 model years span from $69 to $321, showing how your car's age impacts coverage costs.
| 2025 | $141 | $275 |
| 2024 | $129 | $253 |
| 2023 | $108 | $211 |
| 2022 | $100 | $195 |
| 2021 | $91 | $178 |
| 2020 | $82 | $161 |
| 2019 | $101 | $198 |
| 2018 | $166 | $321 |
| 2017 | $128 | $247 |
| 2016 | $121 | $234 |
| 2015 | $103 | $199 |
| 2014 | $94 | $182 |
| 2013 | $81 | $156 |
| 2012 | $69 | $133 |
| 2011 | $89 | $172 |
| 2010 | $82 | $159 |
| 2009 | $77 | $150 |
| 2008 | $83 | $160 |
Audi S5 Insurance Cost by Trim
Your Audi S5's trim impacts insurance costs based on its features, market value and desirability among thieves. Monthly premiums range from $67 for basic trims to $286 for high-end Prestige models. Choose your trim carefully since it directly affects your annual insurance budget.
| 3.0t Quattro Convertible 2d | $67 | $130 |
| Quattro Coupe 2d | $78 | $151 |
| 3.0t Quattro Cabriolet 2d | $82 | $159 |
| Quattro Premium Plus Coupe 2d | $87 | $168 |
| Premium Coupe 2d | $88 | $172 |
| Premium Sedan 4d | $90 | $175 |
| 3.0t Quattro Premium Plus Cabriolet 2d | $91 | $176 |
| Premium Convertible 2d | $96 | $187 |
| Premium Plus Coupe 2d | $102 | $199 |
| Prestige Coupe 2d | $105 | $204 |
| Premium Plus Convertible 2d | $105 | $205 |
| Premium Plus Sedan 4d | $107 | $208 |
| Prestige Sedan 4d | $110 | $215 |
| Prestige Convertible 2d | $113 | $219 |
| Cabriolet 2d | $126 | $243 |
| Sportback Premium | $128 | $251 |
| Premium | $129 | $252 |
| Coupe 2d | $130 | $252 |
| Sportback Premium Plus | $137 | $268 |
| Premium Plus | $137 | $268 |
| Sportback Prestige | $143 | $279 |
| Prestige | $146 | $286 |
Compare Personalized Audi S5 Insurance Costs
We've segmented Audi S5 insurance costs by model year and trim to give you personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2008
Select
Trim:Quattro Coupe 2d
| Quattro Coupe 2d | $83 | $160 |
Audi S5 Insurance Cost by Company
Audi S5 insurance costs vary by provider from $127 to $246 monthly. Minimum coverage ranges from $80 to $172, while full coverage costs $159 to $350. Rates vary due to different risk assessment models.
| AAA | $120 | $249 |
| AIG | $142 | $350 |
| Allstate | $128 | $248 |
| Amica | $131 | $269 |
| Chubb | $127 | $254 |
| Farmers | $172 | $303 |
| GEICO | $80 | $175 |
| Kemper | $102 | $210 |
| Nationwide | $105 | $183 |
| Progressive | $100 | $186 |
| State Farm | $93 | $194 |
| The Hartford | $102 | $174 |
| Travelers | $86 | $159 |
| UAIC | $146 | $182 |
Audi S5 Insurance Cost by State
Audi S5 car insurance costs vary dramatically by state, from $45 monthly in Wyoming to $430 in Louisiana.
| Alabama | $96 | $182 |
| Alaska | $76 | $162 |
| Arizona | $124 | $232 |
| Arkansas | $90 | $201 |
| California | $102 | $208 |
| Colorado | $101 | $243 |
| Connecticut | $137 | $236 |
| Delaware | $133 | $225 |
| Florida | $115 | $267 |
| Georgia | $138 | $230 |
| Hawaii | $54 | $121 |
| Idaho | $59 | $120 |
| Illinois | $100 | $188 |
| Indiana | $71 | $138 |
| Iowa | $63 | $152 |
| Kansas | $79 | $187 |
| Kentucky | $124 | $212 |
| Louisiana | $205 | $430 |
| Maine | $58 | $120 |
| Maryland | $151 | $256 |
| Massachusetts | $106 | $225 |
| Michigan | $160 | $310 |
| Minnesota | $89 | $186 |
| Mississippi | $95 | $189 |
| Missouri | $134 | $266 |
| Montana | $86 | $206 |
| Nebraska | $80 | $183 |
| Nevada | $164 | $297 |
| New Hampshire | $76 | $136 |
| New Jersey | $164 | $271 |
| New Mexico | $86 | $193 |
| New York | $118 | $214 |
| North Carolina | $83 | $163 |
| North Dakota | $73 | $159 |
| Ohio | $80 | $157 |
| Oklahoma | $100 | $223 |
| Oregon | $113 | $198 |
| Pennsylvania | $96 | $224 |
| Rhode Island | $130 | $231 |
| South Carolina | $100 | $188 |
| South Dakota | $64 | $200 |
| Tennessee | $83 | $170 |
| Texas | $127 | $261 |
| Utah | $106 | $181 |
| Vermont | $53 | $125 |
| Virginia | $100 | $161 |
| Washington | $93 | $173 |
| West Virginia | $96 | $194 |
| Wisconsin | $72 | $159 |
| Wyoming | $45 | $143 |
Audi S5 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, dramatically impacts Audi S5 insurance costs. Young drivers under 25 can expect premiums around $394 monthly, while adult drivers between 26-64 with clean records enjoy the lowest rates at approximately $155 per month.
| Adult Drivers | $105 | $205 |
| Young Drivers | $269 | $519 |
| Senior Drivers | $141 | $259 |
| Drivers With a Speeding Ticket | $131 | $258 |
| Drivers With an Accident | $156 | $301 |
| Drivers With a DUI | $196 | $377 |
| Drivers With Bad Credit | $254 | $513 |
Is an Audi S5 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 S5 ranks 472nd out of 827, making it one of the more expensive cars to insure. Among compact luxury sedans, the model ranks 13th out of 22.
| Jaguar X-Type | $60 | $117 |
| Volvo S40 | $64 | $123 |
| Acura TSX | $76 | $146 |
| Audi A4 | $88 | $171 |
| Audi A3 | $89 | $173 |
| Buick Verano | $93 | $179 |
| Acura ILX | $97 | $188 |
| Audi S4 | $100 | $195 |
| Bmw 4-series | $105 | $204 |
| Cadillac ATS | $105 | $203 |
| Lexus IS | $107 | $208 |
| Genesis G70 | $111 | $217 |
| Audi S5 | $112 | $219 |
| Infiniti Q50 | $115 | $224 |
| Audi RS 5 | $116 | $228 |
| Jaguar XE | $118 | $229 |
| Cadillac CT4 | $122 | $238 |
| Audi RS 3 | $126 | $246 |
| Audi RS 4 | $126 | $245 |
| Bmw M3 | $132 | $257 |
| Cadillac ATS-V | $150 | $291 |
| Cadillac CT4-V | $192 | $374 |
Factors That Affect Audi Car Insurance Costs
Several factors affect your Audi S5 insurance costs:
- Age (35 to 51 median): Middle-aged drivers receive lower rates than younger buyers drawn to the vehicle's performance capabilities.
- Gender (70% male): Male ownership correlates with higher risk-taking behaviors and increased performance driving tendencies.
- Income ($100,000+ median): Higher credit scores reduce premiums, though wealth enables riskier vehicle purchases and modifications.
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467. Audi S5 repair costs average $1,473 annually, putting it around average for an Audi in terms of repair costs.
Vehicle Trim, Features and Accessories
The Audi S5's performance-oriented design impacts insurance costs. Its 349-horsepower turbocharged V6 engine delivers 0-60 mph acceleration in just 4.4 seconds, qualifying it as a high-performance vehicle in insurer risk models.
Premium trim levels (Premium Plus starting at $63,095, Prestige at $65,795) include expensive technology like Bang & Olufsen sound systems, virtual cockpit displays, and adaptive suspension components. These advanced features increase replacement costs and contribute to higher comprehensive coverage premiums.
Fuel Type
The Audi S5 requires premium unleaded gasoline, which creates additional insurance considerations beyond standard fuel requirements. The high-performance turbocharged engine demands specific octane levels and premium maintenance protocols.
Unlike electric vehicles that may benefit from specialized repair networks, the S5's conventional powertrain relies on traditional service infrastructure. However, the sophisticated direct-injection turbo system requires specialized diagnostic equipment and trained technicians, limiting repair options and increasing labor costs when accidents occur.
Location
Audi S5 ownership concentrates heavily in affluent metropolitan areas, particularly California's Silicon Valley, New York's wealthy suburbs, and Texas's major cities. These regions correlate with higher insurance rates due to increased traffic density, theft risks, and elevated repair costs.
The vehicle's appeal to high-income professionals in tech hubs like Palo Alto (median household income over $300,000) and luxury enclaves creates geographic clustering. Areas with expensive real estate and luxury vehicle concentration face higher comprehensive and collision coverage rates due to increased target appeal for theft and higher repair facility costs.
Driver Profile
Most Audi S5 drivers are affluent professionals aged 35-54 with household incomes exceeding $100,000 annually. This demographic receives generally favorable insurance rates due to higher credit scores and lower claim frequency, though the vehicle's performance characteristics can offset these benefits.
Driver demographics affecting Audi S5 rates:
Cheapest Audi S5 Insurance Companies
For S5 full coverage car insurance, Travelers offers the most affordable option at $159 monthly. GEICO provides the cheapest minimum coverage for S5 drivers at $80 per month.
| Travelers | $86 | $159 |
| GEICO | $80 | $175 |
| The Hartford | $102 | $174 |
| Progressive | $100 | $186 |
| State Farm | $93 | $194 |
Cheapest Audi S5 Insurance by State
Overall, we found the following are the top three cheapest car insurance providers for an Audi S5:
- Travelers: Wins for affordability in 13 states
- GEICO: Wins for affordability in seven states
- Progressive: Wins for affordability in five states
You can filter below to see who offers the most affordable auto insurance rates for your Audi S5.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Travelers | $72 |
How to Get the Best Cheap Audi S5 Insurance
Below we detail the top discounts available for your Audi S5:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Audi'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 S5, 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 S5 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Audi buyers typically have a median household income of over $100,000, with affluent buyers often supporting multiple vehicles. This substantial income level typically means owning more than one car, qualifying S5 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, S5 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 average age of Audi car buyers is 51 years old, with 75% being college-educated professionals who typically maintain clean driving records. This professional profile helps S5 owners qualify for good driver discounts across most insurance companies.
- Safety Features/Advanced Safety Discount (5% to 40% savings): IIHS gave the S5 platform (which the S4 shares) good ratings in crash tests, and its built-in features, like automatic emergency braking and advanced safety technology, help you avoid crashes. Many insurance companies offer discounts for these comprehensive safety features.
- Professional/Occupation Discount (5% to 15% savings): With 75% being college-educated professionals and many working in high-level positions like corporate attorneys and IT professionals, S5 owners often qualify for professional discounts. 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 S5 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 S5 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Audi S5 Insurance Cost: Bottom Line
Insuring an Audi S5 costs more than average, but you can still find decent rates. Shop multiple companies, explore available discounts and evaluate different coverage options to find competitive rates for your vehicle.
Audi S5 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi S5.
What is the average cost of car insurance for an Audi S5?
The Audi S5's average annual insurance cost is $1,281 for minimum coverage and $2,495 for full coverage. This pricing ranges from $894 to $3,680, depending on vehicle details and coverage level.
What company has the cheapest car insurance for an Audi S5?
For S5 full coverage car insurance, Travelers offers the most affordable option at $159 monthly. GEICO provides the cheapest minimum coverage for S5 drivers at $80 per month.
Are Audi S5s expensive to insure?
Yes, Audi S5 insurance costs more than most cars. Out of 827 vehicles we track, the S5 ranks 472nd for affordability. Among compact luxury sedans, the model ranks 13th out of 22.
What factors affect insurance costs for Audi S5s?
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 S5 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 features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi S5 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 S5 insurance costs.
Who We Based These Rates On
These Audi S5 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.