Audi S5 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi S5 is more expensive to insure than the average car.
• Full coverage for a S5 typically averages about $249 a month, while liability only auto insurance rates average around $89 per month.
• The most affordable insurance company for a S5 is Workmens.

---

---

S5 Overview

The Audi S5 is a high-end vehicle that is more expensive than your average car, with 2022 models starting at $54,900. You'll have your choice of three different trim levels, so there's something there for every driver.

We analyzed thousands of car insurance quotes on Compare.com, and we've determined that, on average, Audi S5 insurance prices run about $244 a month. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for an Audi S5?

In the table above, you'll find that when you compare the Audi S5 to other vehicles, insurance premiums are higher than average. S5 drivers can expect to pay around $89 per month for liability insurance, and about $249 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other Audi models, the S5 is more expensive, with prices more than 10% higher than the rest of the automaker's vehicle offerings. Similarly, S5 coverage is above average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging more expensive rates than other cars.

When compared to all vehicles, regardless of make, model, or body style, the S5 follows a similar pattern of having above average auto insurance premiums.

---

---

Who has the Cheapest Car Insurance for an Audi S5?

If you're browsing for a car insurance policy for an Audi S5, you might be most interested in which carrier offers the lowest premiums. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $35 per month from Amica. The runner up for lowest rates is Apparent, with car insurance policies starting as cheap as just $43 a month.

Clearcover, DirectGeneral, and Mercury finish off the rest of the top 5. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Audi S5.

Insurance companies take a bunch of different variables into consideration when offering you rates. By reviewing quotes from a range of insurance carriers at once, you can be confident you're finding the cheapest rate.

---

---

What Factors Affect Car Insurance Rates for an Audi S5?

As we mentioned above, there are numerous factors that car insurance companies take into account to choose how much they charge for a policy -- and each company weighs certain variables more than others, so there's not one carrier that's the most affordable for every S5 driver.

Keep reading to learn which things auto insurance carriers look at and how they affect your final rate:

Vehicle Age

The Audi S5 has been around for a while, so vehicle age may make a big difference in what you end up paying for insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually go lower.

As you can see in the information above, the Audi S5 is an outlier, as the most expensive models to insure are those that are 8 to 10 years old, while on average, the cheapest S5s are 2 to 3 years old.

Your Age

Your age is another factor that plays a significant role in how much you pay for auto insurance. Based on the information above, younger S5 drivers have higher prices compared to older S5 drivers. In this case, drivers 18 to 24 pay more than twice as much as those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for S5 drivers.

Your Gender

Did you know women generally pay less for car insurance than men? This is because men are more likely to get speeding tickets and get into collisions, which raises the chances of an insurance claim. When it comes to S5 drivers specifically, men pay around $23 more than women monthly for insurance.

Where You Live

You might think it's common sense that variables such as how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live is equally important. Because auto insurance is regulated on the state level rather than nationally, rates can change quite a bit depending on which state you're located in.

For example, the average Audi S5 owner in New York pays about $180 per month for liability coverage, while the same driver from California will pay less than half of that price, on average. The chart 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.

---

---

Audi S5 Car Insurance Discounts

No matter which car you drive, how old you are, or where you live, using as many discounts as possible when it comes to your insurance policy is always in your best interest.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings

These are just a few of the discounts out there. And often, the best way to save isn't through a "discount" at all, but rather by having a good driving record and positive insurance history.

While you don't have control over every variable car insurance carriers reference to calculate premiums (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the things you can use in your favor in order to save on auto insurance:

Your Driving Record

You've most likely observed ads from car insurance companies posting hefty discounts for responsible drivers. And you probably wouldn't be surprised that your insurance prices will go higher if you get speeding tickets or get into an accident. But exactly how much will these infractions cost you?

As you can tell, accidents will usually cost S5 drivers less than tickets, but both will result in a raise in rates. Audi S5 drivers with a single ticket will pay about $101 a month, while drivers with one accident on their record pay an average of $70 per month. Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

How much you drive plays a role in your auto insurance premiums. Those who are on the roads less are less likely to get tickets, so they'll normally end up paying less for insurance. Above, you can see that Audi S5 owners who drive between 2,500 and 5,000 miles every year pay an average of $56 monthly for car insurance, while those who put less than 2,500 miles on their cars pay $140.

If you're one of those drivers who don't put very many miles on your Audi S5 each year, it may be worth getting usage-based or pay-per-mile auto insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

---

---

How Do Audi S5s Compare to Other Vehicles?

If you're thinking about purchasing an Audi S5, you're probably wondering how it compares to other cars. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Review the table below to see how the Audi S5 compares:

Overall, the Audi S5 has an average MSRP and is in line with the going rate for a new vehicle. The S5's $46,192 base MSRP is right on trend with the national average of $54,900.

Liability insurance for an Audi S5 is, while full coverage is $10 more per month.

When it comes to usage, Audi S5 owners drive about the same amount annually as the national average, with 11,617 miles a year for all vehicles compared to the S5's 11,036 each year.

Audi S5 Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on what you'll pay for insurance. But if you're in the market for a new car, truck, or SUV and the S5 is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your choices.

Choose Your Model

2021 Audi S5 Car Insurance 2019 Audi S5 Car Insurance 2018 Audi S5 Car Insurance 2017 Audi S5 Car Insurance 2016 Audi S5 Car Insurance 2015 Audi S5 Car Insurance 2014 Audi S5 Car Insurance 2013 Audi S5 Car Insurance 2012 Audi S5 Car Insurance 2011 Audi S5 Car Insurance 2010 Audi S5 Car Insurance

2021 Audi S5 Car Insurance

The average cost to insure a 2021 Audi S5 with liability only coverage is $62 monthly, while full coverage runs around $236 per month.

If you're looking for the most affordable 2021 Audi S5 insurance policy, Esurance offered the cheapest policy we found, with rates sometimes as low as $54 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2021 Audi S5, you can get free quotes in minutes by just entering your ZIP code below.

---

---

2019 Audi S5 Car Insurance

On average, drivers who own a 2019 S5 can expect to pay $45 to $208 monthly for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? DirectGeneral offered liability only coverage for sometimes as cheap as $39 a month.

Interested in what your auto insurance premium will be? Enter your ZIP code below to get several free customized quotes.

---

---

2018 Audi S5 Car Insurance

You can expect full coverage for a 2018 Audi S5 to run about $324 per month, while liability only coverage will average around $93 a month.

DirectGeneral offered the most affordable policy we found, with rates sometimes as little as $31 monthly.

If you want to know exactly how much you can expect to pay for your S5, get free quotes in minutes by just entering your ZIP code below.

---

---

2017 Audi S5 Car Insurance

2017 S5 drivers can expect to pay an average of $53 per month for liability or $227 for full coverage.

Mercury has prices as cheap as $23 monthly for the 2017 Audi S5.

While these are good estimates of what the average driver might pay to insure a 2017 Audi S5, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

---

---

2016 Audi S5 Car Insurance

It costs about $54 a month for liability or $222 for a full coverage policy for the 2016 Audi S5.

With premiums as little as $18 per month, Mapfre offered the lowest policy we found for the 2016 Audi S5.

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.

---

---

2015 Audi S5 Car Insurance

You can expect full coverage for a 2015 S5 to run around $245 monthly, while liability only coverage will average about $52 per month.

We found SafeAuto offered the cheapest policy, with rates as low as just $34 a month.

Interested in what your insurance price could look like? Get a variety of customized quotes for free by just entering your ZIP code below.

---

---

2014 Audi S5 Car Insurance

On average, drivers who own a 2014 Audi S5 can expect to pay $57 to $207 monthly for liability only and full coverage auto insurance, respectively.

With rates as low as $22 a month, Mercury offered the lowest policy we found.

These average premiums are a great starting point if you're in the market for a 2014 Audi S5, but there are a bunch of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

---

---

2013 Audi S5 Car Insurance

2013 S5 drivers can expect to pay an average of $126 per month for liability or $277 for full coverage.

MetLife has prices as little as just $19 monthly for the 2013 Audi S5.

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

---

---

2012 Audi S5 Car Insurance

The average cost to insure a 2012 Audi S5 with liability only coverage is $103 per month, while full coverage runs around $226 a month.

With rates as cheap as $24 monthly, Coverhound offered the cheapest policy we found for the 2012 Audi S5.

Want something more accurate than national averages? Get lots of free customized quotes by just entering your ZIP code below.

---

---

2011 Audi S5 Car Insurance

It costs about $75 a month for liability or $192 for a full coverage policy for the 2011 S5.

With prices as little as just $24 per month, StateAuto offered the most affordable policy we found.

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

---

---

2010 Audi S5 Car Insurance

You can expect full coverage for a 2010 Audi S5 to run around $214 a month, while liability only coverage will average about $118 per month.

Looking for the lowest policy? Coverhound offered liability only coverage for sometimes as little as $27 monthly.

Want to find the most affordable rates? Enter your ZIP code below to get multiple customized quotes for free.

---

---

Audi S5 Insurance FAQs

Is an Audi S5 expensive to insure?

When compared to the national average of all cars, premiums come in on the more expensive end of the spectrum. Liability insurance runs an average of $89 a month, while full coverage will cost you around $249.

How can I get the best price on car insurance for my Audi S5?

There's only one way to be sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from an array of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a variety of companies 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 S5 affect my insurance prices?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's just a myth. Even though there are lots of variables car insurance carriers use when they calculate how much you'll pay, your car's color is not used to make that determination.

Do I need to have insurance before I buy an Audi S5?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Audi S5 off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but it's best to let your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my Audi S5?

There are a variety of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your S5 has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know for sure is to reach out to your insurance company and ask about their discounts, since they shift quite a bit from carrier to carrier.