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
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
Audi S5 insurance rates vary by model year and trim, with newer models costing more because they're worth more. Monthly premiums across S5 model years run from $69 to $321.
| 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
Audi S5 trim affects insurance costs based on features, market value and theft risk. Monthly premiums run from $67 for basic trims to $286 for the Prestige. Keep the trim level in mind 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:
2008
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
Age and driving record affect Audi S5 insurance costs more than most other factors. Drivers under 25 pay around $394 per month. Adults between 26 and 64 with clean records pay the least at about $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 premiums:
Average Repair or Replacement CostsAudi 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 AccessoriesThe 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 TypeThe 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.
LocationAudi 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 ProfileMost 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:
- 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.
Cheapest Audi S5 Insurance Companies
Travelers has the lowest full coverage rate for the Audi S5 at $159 per month. GEICO has the cheapest minimum coverage 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
The following are the top three cheapest car insurance providers for an Audi S5:
- Travelers: Cheapest in 13 states
- GEICO: Wins for affordability in seven states
- Progressive: Lowest-cost insurer in five states
Data filtered by:
Alabama
| Alabama | Travelers | $72 |
How to Get the Best Cheap Audi S5 Insurance
Below we detail the top discounts available for your Audi S5:
- 1Choose the right coverage
Three things matter when deciding how much coverage to buy: what your Audi is worth, how much you drive and what you can afford.
Tight budget (you own the car):
- Your state's minimum liability requirements
- 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 per accident
- 2Research costs and cheap companies
Check average auto insurance costs for your car so you know what a fair rate looks like. Then use that as a starting point when searching for the cheapest car insurance companies.
- 3Look for more than just low rates
Price isn't the only thing that matters when choosing car insurance for your Audi S5. Check J.D. Power satisfaction scores, Better Business Bureau records and AM Best financial strength ratings alongside coverage limits and deductibles.
- 4Explore discounts you qualify for
Looking into car insurance discounts is one of the fastest ways to lower your rate. These five are the most likely to apply to Audi S5 owners:
- Multi-car discount (12% to 25% savings): Audi buyers typically have household incomes above $100,000, which often means more than one vehicle in the household. Most insurers offer a discount for insuring multiple cars on the same policy.
- Bundling discount (5% to 25% savings): Around 19% of convertible Audi buyers have household incomes above $175,000 and many own high-value homes. Bundling home and auto insurance with the same carrier can produce meaningful savings at most major insurers.
- Good driver discount (5% to 30% savings): The average Audi buyer is 51 years old and 75% are college-educated professionals who tend to keep clean driving records. That profile qualifies for good driver discounts at most insurers.
- Safety features discount (5% to 40% savings): The S5 platform earned strong IIHS crash test ratings and comes standard with automatic emergency braking and other advanced safety technology. Many insurers reduce premiums for vehicles with these built-in features.
- Professional or occupation discount (5% to 15% savings): Around 75% of S5 owners are college-educated professionals. Engineers, teachers, medical professionals and other white-collar workers often qualify for lower rates based on their safety profiles.
- 5Consider alternative car insurance types
Audi S5 owners can benefit from usage-based programs like Progressive Snapshot that track your driving habits and lower your rate based on how safely you drive.
- 6Check rates every year
Comparing car insurance quotes from multiple companies once a year can cut your Audi S5 insurance by up to 24%. The best deal today may not be available next year, so make it a yearly 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.
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.
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.
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.
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.
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 rates reflect what a typical driver pays:
- Age 40 and an unmarried male, with a clean record with no tickets or crashes
- Good credit score and no prior insurance claims
- About 12,000 miles driven per year
- Valid driver's license with no suspensions
Coverage definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability plus comprehensive and collision with 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 produces 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.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.