Audi SQ5 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure an Audi SQ5 than the average SUV.
• Liability insurance for a SQ5 runs around $69 monthly, while full coverage normally tends to be about $188.
• Aspire provides the most affordable average premiums for a SQ5 with liability only coverage offered for as little as just $42 a month.

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SQ5 Overview

The Audi SQ5 is a high-end SUV on the more expensive end of the spectrum, with base prices starting at $55,600 for 2022 models. With six different trim levels currently available, you'll be sure to find an option to fit your style.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that Audi SQ5 car insurance rates are around $183 monthly, on average. But how does that compare to other similar SUVs on the market?

How Much is Car Insurance for an Audi SQ5?

Based on the table above, Audi SQ5 insurance prices are more expensive than average. SQ5 drivers can expect to pay about $188 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $69 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other models, the SQ5 is matches the other vehicles in Audi's lineup. Likewise, compared to other vehicles of a similar body style, SQ5 coverage runs close to average, with liability insurance premiums $11 cheaper than other SUVs and full coverage insurance prices coming in $37 higher.

When compared to all vehicles of any body type, the SQ5 is lower for liability only auto insurance, but full coverage rates are more expensive on average.

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Who has the Cheapest Car Insurance for an Audi SQ5?

Searching for a car insurance policy for your Audi SQ5? You're likely wondering which carrier offers the lowest rates. While premiums can shift quite significantly depending on your driver profile, the cheapest average rates for liability only insurance are as cheap as $39 a month from Shelter Mutual. The next lowest company is Aspire, who offers car insurance sometimes as little as $42 monthly.

Workmens, PlymouthRockNJ, and SafeAuto finish off the rest of the top 5. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Audi SQ5.

After all, insurance carriers look at a whole range of different variables when calculating premiums, so your results might be different. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from a wide array of car insurance companies.

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What Factors Affect Car Insurance Rates for an Audi SQ5?

There are numerous factors that insurance carriers examine to decide how much to charge you for auto insurance -- and every carrier weighs different variables more heavily than others, so there's not one single company that's the lowest for everyone.

The following sections show lots of things car insurance companies use to determine rates:

Vehicle Age

The Audi SQ5 has been around for a while, so vehicle age will likely make a difference in what you end up paying for auto insurance. Typically, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go down.

Based on the information in the table above, the Audi SQ5 is in line with this trend, as the most expensive models to insure are those that are 2 to 3 years old, while on average, the cheapest models are SQ5s that are 6 to 7 years old.

Your Age

How old you are plays a big role in how much you pay for insurance. As you can see above, those who have more experience pay less compared to young drivers. Audi SQ5 drivers who are 18 to 24 actually pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for SQ5 drivers being 35-44.

Your Gender

Because women are less likely to get tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to charge women less than men. The Audi SQ5 sticks to the norm, where men pay around $73 per month for car insurance, while women pay about $51.

Where You Live

You're probably already aware that factors such as what vehicle you drive and how old you are play a role in your insurance prices, but did you know that where you live can be equally important? Car insurance is regulated on the state level and not nationally, so rates vary quite a bit depending on what state you reside in.

For example, the average Audi SQ5 owner from New York pays around $183 monthly for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average.

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Audi SQ5 Car Insurance Discounts

Regardless of what state you live in, what car you drive, or how old you are, using as many discounts as possible when it comes to your auto insurance is always the smart move when shopping around for a policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments

While taking advantage of discounts is always a smart way to save money on your insurance, sometimes the best way to save is just by having a profile that looks good to auto insurance companies.

While you can't control every single aspect of your insurance profile (like some of the factors we mentioned above), you do have a say over some of it. Below are just a few of the ones you can use to your advantage when it comes to saving money:

Your Driving Record

You've most likely observed ads from auto insurance carriers promoting large discounts for responsible drivers. It makes sense that if you get into an accident or get tickets, car insurance prices will get higher. But exactly how much can these infractions cost you?

As you can tell, accidents will usually cost SQ5 drivers more than tickets, but both will result in higher than average rates. The rates only increase the more tickets you get or collisions you have.

How Much You Drive

Another variable that plays a role in your auto insurance rates is the total distance you drive each year. Those who drive less are more likely to go accident-free, so they'll generally end up spending less on insurance. Based on the table above, you can see that Audi SQ5 owners who drive between 7,500 and 10,000 miles pay $80 for car insurance, while those who drive between 2,500 and 5,000 miles a year pay about $38 per month.

But if you work from home or drive less often than the average driver, you might consider learning about usage-based or pay-per-mile insurance policies. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Audi SQ5s Compare to Other Vehicles?

If you're considering making an Audi SQ5 your next vehicle, you're probably wondering how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Audi SQ5 stacks up:

Overall, the Audi SQ5 has an MSRP that's on par with the going rate for a new vehicle. The SQ5 comes in at $55,600, close to the national average vehicle MSRP of $46,192.

Full coverage insurance for an Audi SQ5 is about $69 a month cheaper than average, while liability only coverage is a month.

When it comes to usage, Audi SQ5 owners drive fewer miles annually than the national average, with 8,445 miles per year compared to 11,617 for all vehicles.

Audi SQ5 Car Insurance Costs by Model Year

So far, you've seen how different things affect how much you might pay for car insurance. If you're considering purchasing a new SQ5, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

Choose Your Model

2021 Audi SQ5 Car Insurance 2020 Audi SQ5 Car Insurance 2019 Audi SQ5 Car Insurance 2018 Audi SQ5 Car Insurance 2017 Audi SQ5 Car Insurance 2016 Audi SQ5 Car Insurance 2015 Audi SQ5 Car Insurance 2014 Audi SQ5 Car Insurance

2021 Audi SQ5 Car Insurance

You can expect full coverage for a 2021 SQ5 to run around $152 per month, while liability only coverage will average about $41 a month.

Looking for the lowest policy? DirectGeneral offered liability only coverage for sometimes as cheap as $38 monthly.

Want to figure out exactly what you'll be asked to pay? 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 companies.

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2020 Audi SQ5 Car Insurance

It costs around $77 a month for liability or $310 for a full coverage policy for the 2020 Audi SQ5.

Shelter Mutual has rates as little as $33 monthly for the 2020 Audi SQ5.

If you want to know exactly how much you can expect to pay for your SQ5, just enter your ZIP code below and get free quotes in minutes.

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2019 Audi SQ5 Car Insurance

The average cost to insure a 2019 SQ5 with liability only coverage is $54 per month, while full coverage runs about $176 monthly.

With prices as low as just $39 a month, Workmens offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2019 Audi SQ5, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2018 Audi SQ5 Car Insurance

2018 Audi SQ5 drivers can expect to pay an average of $81 per month for liability or $208 for full coverage.

If you're looking for the lowest possible 2018 Audi SQ5 insurance policy, Workmens offered the cheapest policy we found, with rates as cheap as just $29 a month.

If you want to know exactly how much you can expect to pay for your SQ5, just enter your ZIP code below and get several free quotes in minutes.

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2017 Audi SQ5 Car Insurance

On average, drivers who own a 2017 SQ5 can expect to pay $108 to $273 per month for liability only and full coverage car insurance, respectively.

With prices as low as $62 monthly, Mercury offered the most affordable policy we found for the 2017 Audi SQ5.

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 SQ5 Car Insurance

It costs around $101 per month for liability or $185 for a full coverage policy for the 2016 Audi SQ5.

Mercury offered the lowest policy we found, with rates sometimes as low as $45 monthly.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get multiple free personalized quotes.

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2015 Audi SQ5 Car Insurance

2015 SQ5 drivers can expect to pay an average of $44 a month for liability or $156 for full coverage.

We found Shelter Mutual offered the cheapest policy, with rates as cheap as just $28 per month.

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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2014 Audi SQ5 Car Insurance

You can expect full coverage for a 2014 Audi SQ5 to run about $129 a month, while liability only coverage will average around $37 monthly.

Looking for the lowest policy? SafeAuto offered liability only coverage for as little as $32 per month.

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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Audi SQ5 Insurance FAQs

Is an Audi SQ5 expensive to insure?

Liability insurance runs an average of $69 monthly, while full coverage will cost you around $188. The Audi SQ5 is more expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Audi SQ5?

There's only one way to ensure you're getting the cheapest rates -- regularly shopping around and comparing quotes from a variety of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole range of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Audi SQ5 affect my insurance rates?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's actually a myth. Even though there are several variables auto insurance carriers use when they decide how much your policy will be, the color of your car is not factored into that decision.

Do I need to have insurance before I buy an Audi SQ5?

Before you can legally drive your new (or new to you) SQ5 off the dealership lot, you'll need to have a valid insurance policy. As part of the buying process, some dealerships might offer you a car insurance policy, but it's best to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Audi SQ5?

There are a variety of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your SQ5 has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance company and ask about which discounts they offer, since they differ quite a bit from carrier to carrier.