Audi Q5 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi Q5 is more expensive to insure than the average SUV.
• Full coverage car insurance for a Q5 runs around $165 monthly, on average, while liability only insurance generally tends to be about $75.
• NationalGeneral offers the cheapest average rates for a Q5 with liability only coverage offered for as cheap as just $34 a month.

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Q5 Overview

The Audi Q5 is a great mid-level SUV for drivers of all types, with 2022 models starting at $45,600. There's a Q5 for every driver, with six different trim options offered.

After analyzing thousands of auto insurance quotes through Compare.com, we've found that Audi Q5 insurance prices run around $149 per month, on average. But how does that compare to other vehicles on the market?

How Much is Car Insurance for an Audi Q5?

Based on the table above, car insurance rates for an Audi Q5 are about average compared to other vehicles on the road. Q5 drivers usually pay around $165 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $75 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other models, the Q5 is cheaper, with premiums more than 10% lower than other vehicles in Audi's lineup. But compared to other vehicles of a similar body style, Q5 coverage runs close to average, with full coverage insurance prices coming in at $14 higher than other SUVs and liability insurance rates at $5 cheaper.

Compared to all vehicles, no matter which make, body style, or model they are, the Q5 follows a similar pattern of having average insurance premiums.

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Who has the Cheapest Car Insurance for an Audi Q5?

Are you searching for a car insurance policy for your Audi Q5? You probably want to know which carrier offers the lowest premiums. While prices can differ considerably from policyholder to policyholder, the most affordable average rates for liability only insurance are sometimes as cheap as $20 per month from Mile Auto. The next lowest company is Hugo, who offers insurance as little as just $33 monthly.

Completing the top 5 companies are NationalGeneral, Clearcover, and Shelter Mutual. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, auto insurance carriers look at a bunch of different factors when calculating premiums, so your results might be different. There's only one way to make sure you find the cheapest possible rates, and that's by getting quotes from lots of car insurance companies.

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What Factors Affect Car Insurance Rates for an Audi Q5?

There are a whole range of things that insurance carriers examine to choose how much to charge for a policy -- and every carrier weighs different factors more heavily than others, so there's not a single company that's the lowest for each driver.

The sections below show numerous variables auto insurance companies use to calculate rates:

Vehicle Age

The Audi Q5 has been around for a while -- that means vehicle age can make a difference in what you end up paying for car insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Q5s begin to depreciate, insurance costs will gradually decrease.

As you can see in the information above, the Audi Q5 does not follow this trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest Q5s are 2 to 3 and 4 to 5 years old, on average.

Your Age

Age makes a significant difference in how much insurance carriers will charge you for a policy. Based on the information above, drivers with more experience have more affordable premiums than younger Q5 drivers. Audi Q5 drivers aged 18 to 24 actually pay $48 more than those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for Q5 drivers being 65 years and older.

Your Gender

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates. The Audi Q5 is no different, and men pay about $9 more than women a month for auto insurance.

Where You Live

You might think it's common sense that factors such as how old you are and what vehicle you drive play a role in your insurance premiums, but you may not realize that where you live is equally important. Auto insurance is regulated on the state level and not nationally, so rates fluctuate quite a bit depending on what state you reside in.

For example, the average Audi Q5 owner from New York pays around $163 per month for liability coverage, while on average, the same Californian driver will pay less than 50% of that price. The chart above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change depending on where you live.

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Audi Q5 Car Insurance Discounts

Regardless of your car, your home state, or your age, using as many discounts as possible when it comes to your auto insurance policy is always the smart move.

While no two car insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Multi-vehicle discounts for adding more than one car to your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

While discounts are always a good way to save money on your insurance, sometimes, the best way to get great rates is to work on your overall insurance profile.

You obviously can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), but you can influence some of it. Below are just a few of the variables you can use in your favor when it comes to saving cash:

Your Driving Record

It's no secret that car insurance companies offer the most affordable premiums to drivers with a history of responsible driving. It makes sense that if you get cited for speeding or get into an accident, insurance prices will get higher. But you're probably wondering exactly how much these infractions will cost you.

You can see from the table above that accidents will usually cost Q5 drivers more than tickets, but both will result in higher than normal rates. Audi Q5 drivers with one accident on their record pay an average of $78 per month (up $3 from the $75/mo. overall average), while drivers with a single ticket will pay about $60 monthly. The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

The total amount of miles you drive annually impacts your car insurance premiums. Drivers who are on the roads less are more likely to go accident-free, so they'll typically end up paying less for auto insurance. In the table above, you can see that Audi Q5 owners who drive more than 10,000 miles a year pay an average of $68 a month for car insurance, while those who put less than 2,500 miles on their cars pay $106.

If you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Audi Q5s Compare to Other Vehicles?

If you're considering purchasing a new vehicle and an Audi Q5 is on your shortlist, you're probably wondering how it compares to other cars. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Review the table below to see how the Audi Q5 compares:

Overall, the Audi Q5 has an average MSRP and is in line with the going rate for a new vehicle. The Q5's $46,192 base MSRP is right on trend with the national average of $45,600.

Full coverage insurance for an Audi Q5 is about $70 a month cheaper than average, while liability only coverage is per month.

However, it is worth noting that the Q5 owners tend to drive their cars less than the average American driver, with only 8,875 annual miles for the average owner.

Audi Q5 Car Insurance Costs by Model Year

Thus far, you've seen how different things have an impact on what you'll pay for insurance. But if you're thinking about buying a new vehicle and the Q5 is one you're considering, knowing what you can expect to pay is extremely valuable as you weigh your options.

Choose Your Model

2021 Audi Q5 Car Insurance 2020 Audi Q5 Car Insurance 2019 Audi Q5 Car Insurance 2018 Audi Q5 Car Insurance 2017 Audi Q5 Car Insurance 2016 Audi Q5 Car Insurance 2015 Audi Q5 Car Insurance 2014 Audi Q5 Car Insurance 2013 Audi Q5 Car Insurance 2012 Audi Q5 Car Insurance 2011 Audi Q5 Car Insurance 2010 Audi Q5 Car Insurance

2021 Audi Q5 Car Insurance

2021 Q5 drivers can expect to pay an average of $82 monthly for liability or $198 for full coverage.

Aspire offered the most affordable policy we found, with rates as low as just $37 a month.

Interested in just how much you'll pay? Just enter your ZIP code below to get several free customized quotes.

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2020 Audi Q5 Car Insurance

You can expect full coverage for a 2020 Audi Q5 to run around $165 monthly, while liability only coverage will average about $71 a month.

Looking for the lowest policy? SafeAuto offered liability only coverage for as low as $31 per month.

If you want to know exactly how much you can expect to pay for your Q5, just enter your ZIP code below and get several free quotes in minutes.

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2019 Audi Q5 Car Insurance

On average, drivers who own a 2019 Q5 can expect to pay $64 to $155 monthly for liability only and full coverage car insurance, respectively.

If you're looking for the cheapest possible 2019 Audi Q5 insurance policy, Amica offered the cheapest policy we found, with rates sometimes as little as $24 a month.

If you want to know exactly how much you can expect to pay for your Q5, just enter your ZIP code below and get free quotes in minutes.

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2018 Audi Q5 Car Insurance

The average cost to insure a 2018 Audi Q5 with liability only coverage is $72 per month, while full coverage runs around $166 monthly.

We found Hugo offered the most affordable policy, with rates as little as $17 per month.

Want to know exactly how much you'll pay? Get a variety of free personalized quotes by just entering your ZIP code below.

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2017 Audi Q5 Car Insurance

It costs about $46 a month for liability or $161 for a full coverage policy for the 2017 Q5.

With rates sometimes as low as $17 per month, Hugo offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2016 Audi Q5 Car Insurance

2016 Audi Q5 drivers can expect to pay an average of $72 a month for liability or $160 for full coverage.

MetLife has premiums as cheap as $22 monthly for the 2016 Audi Q5.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2015 Audi Q5 Car Insurance

On average, drivers who own a 2015 Q5 can expect to pay $79 to $155 a month for liability only and full coverage insurance, respectively.

With rates as low as $20 per month, Mile Auto offered the cheapest policy we found for the 2015 Audi Q5.

Want to find the best rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing a range of personalized quotes from the nation's top insurance carriers.

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2014 Audi Q5 Car Insurance

You can expect full coverage for a 2014 Audi Q5 to run around $175 monthly, while liability only coverage will average about $76 per month.

If you're looking for the lowest possible 2014 Audi Q5 insurance policy, Hugo offered the most affordable policy we found, with rates as little as $20 monthly.

If you want to find the best prices for car insurance for a 2014 Audi Q5, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2013 Audi Q5 Car Insurance

It costs around $78 a month for liability or $154 for a full coverage policy for the 2013 Q5.

With premiums as little as just $24 per month, Mile Auto offered the lowest policy we found for the 2013 Audi Q5.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2012 Audi Q5 Car Insurance

The average cost to insure a 2012 Audi Q5 with liability only coverage is $65 a month, while full coverage runs about $152 monthly.

We found Safeco offered the most affordable policy, with rates sometimes as cheap as $22 per month.

Interested in what your insurance rate will be? Just enter your ZIP code below to get multiple customized quotes for free.

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2011 Audi Q5 Car Insurance

You can expect full coverage for a 2011 Q5 to run around $192 monthly, while liability only coverage will average about $92 a month.

With prices sometimes as little as $18 per month, Liberty Mutual offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 Audi Q5 Car Insurance

On average, drivers who own a 2010 Audi Q5 can expect to pay $90 to $190 monthly for liability only and full coverage auto insurance, respectively.

MetroMile offered the cheapest policy we found, with rates sometimes as low as $21 a month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2010 Audi Q5, you can get free quotes in minutes by just entering your ZIP code below.

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Audi Q5 Insurance FAQs

Is an Audi Q5 expensive to insure?

Liability insurance runs an average of $75 per month, while full coverage will cost you around $165. Compared to the national average of all vehicles, rates come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Audi Q5?

The only way to be confident you're getting the most affordable price on auto insurance is to regularly shop around and compare quotes from several companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from quite a few carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Audi Q5 affect my insurance prices?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's simply not true. Even though there are many factors insurance companies use when they decide your car insurance premium, your car's color is not used to make that determination.

Do I need to have insurance before I buy an Audi Q5?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) Q5 off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but the easiest thing to do is to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Audi Q5?

You will find a lot of different discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your vehicle and more on you, but if your Q5 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The best way to find out is to contact your insurance carrier and ask about their list of discounts, since they shift quite a bit from company to company.