The annual cost of full coverage car insurance for an Audi Q5 ranges from $1,217 with State Farm to $6,663 for a 16-year-old driver. Rates vary widely based on factors like the car’s model year, your age, location, driving record, coverage level and insurer. This article details Audi Q5 insurance costs, coverage options and the best and most affordable insurers for drivers.
Audi Q5 Insurance Cost
Updated: March 10, 2025
Key Takeaways
State Farm offers the most affordable annual rates for minimum coverage across all Audi Q5 model years, starting at $469.
If you're insuring an Audi Q5, expect to pay around $586 annually for minimum coverage and $1,518 for full coverage.
MoneyGeek analyzed data from 4,183 quotes for the Audi Q5, sourced from Quadrant Information Services.
Audi Q5 Insurance Rates
What Is the Average Audi Q5 Car Insurance Cost?
The average cost of full coverage insurance for an Audi Q5 is $127 per month or $1,518 per year, based on a 40-year-old male with a clean record. Minimum coverage averages $49 monthly or $586 annually.
| Minimum Coverage | $586 |
| Full Coverage | $1,518 |
Audi Q5 Insurance Costs by Company
Insuring an Audi Q5 costs $1,213 to $2,174 per year, depending on age, model year and coverage level. Below is a comparison of average Audi Q5 insurance rates from several national and mid-size providers with the average rates for all vehicles from the same insurers.
| Allstate | $1,812 | $1,809 | 0% |
| Auto-Owners | $1,213 | $1,226 | -1% |
| Farmers | $2,045 | $1,953 | 5% |
| GEICO | $1,336 | $1,331 | 0% |
| Kemper | $2,174 | $2,210 | -2% |
| Nationwide | $1,545 | $1,588 | -3% |
| Progressive | $1,527 | $1,744 | -12% |
| State Farm | $1,251 | $1,268 | -1% |
| Travelers | $1,518 | $1,520 | 0% |
| USAA | $1,269 | $1,198 | 6% |
Read more: Best Car Insurance Companies
Cost of Insuring an Audi Q5 by Model Year
The model year of your Audi Q5 impacts your insurance rates, with older models typically costing less to insure. For example, full coverage for a 2009 Audi Q5 averages $1,297, while a 2022 model costs $1,786. Below are the average rates for full and minimum coverage by production year.
| 2022 | $572 | $1,786 |
| 2021 | $581 | $1,704 |
| 2020 | $566 | $1,679 |
| 2019 | $598 | $1,661 |
| 2018 | $605 | $1,636 |
| 2017 | $587 | $1,594 |
| 2016 | $615 | $1,553 |
| 2015 | $619 | $1,511 |
| 2014 | $592 | $1,465 |
| 2013 | $612 | $1,418 |
| 2012 | $607 | $1,371 |
| 2011 | $583 | $1,347 |
| 2010 | $605 | $1,322 |
| 2009 | $603 | $1,297 |
Audi Q5 Insurance Costs by Driver Age
Audi Q5 insurance rates vary significantly by the driver's age. For example, a 40-year-old pays an average of $1,524 annually for full coverage, while a 16-year-old pays $6,663. Below are the average minimum and full coverage rates for Audi Q5 drivers across age groups.
| 16 | $2,736 | $6,663 |
| 17 | $2,214 | $5,416 |
| 18 | $1,938 | $4,786 |
| 19 | $1,387 | $3,432 |
| 20 | $1,248 | $3,124 |
| 21 | $988 | $2,513 |
| 22 | $902 | $2,313 |
| 23 | $838 | $2,161 |
| 24 | $797 | $2,057 |
| 25 | $698 | $1,827 |
| 26 | $682 | $1,772 |
| 27 | $665 | $1,732 |
| 28 | $653 | $1,704 |
| 29 | $644 | $1,679 |
| 30 | $621 | $1,614 |
| 35 | $602 | $1,557 |
| 40 | $596 | $1,524 |
| 45 | $591 | $1,500 |
| 50 | $576 | $1,451 |
| 55 | $561 | $1,408 |
| 60 | $561 | $1,403 |
| 65 | $598 | $1,454 |
| 70 | $649 | $1,555 |
| 75 | $721 | $1,706 |
| 80 | $817 | $1,897 |
| 85 | $885 | $2,038 |
| 90 | $936 | $2,139 |
Audi Q5 Insurance Rates Explained
Several factors influence car insurance rates based on your driver profile. Insurers also consider aspects related to your car. Below is a breakdown of vehicle-related cost factors.
Audi Q5 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Audi Q5
Average Full Coverage Rate
$1,518Premiums for Audi Q5 are:$222 more
This is 17% more expensive.
Value
The Audi Q5's MSRP is $61,695, classifying it as a luxury vehicle. This high MSRP can lead insurers to charge more for insurance.
Repair costs
The annual repair cost for the Audi Q5 is $928, higher than the national average. Expensive parts and labor can make insurance more costly.
Performance
The Audi Q5's 0-to-60 time is 4.5 seconds, and its horsepower ranges between 201 and 261. Its high performance may increase insurance costs due to the higher perceived risk.
Vehicle age
Newer cars, like the Audi Q5, are typically more expensive to insure than older vehicles, but collector and classic vehicles are exceptions.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify for insurance discounts. The Audi Q5 has a 5 out of 5 NHTSA safety rating.
Vehicle size
Larger vehicles like the Audi Q5, with a curb weight of 4,619 lbs, may cost more to insure due to potential property damage.
Trim level
Higher trim levels with premium upgrades lead to a higher MSRP, making them more expensive to insure. Audi's higher trim levels cost more than the base model.
Theft rates
Vehicles at higher risk of theft cost more to insure. The Audi Q5 has a theft claim frequency of 878, which may lead to higher insurance rates.
Anti-theft features
The Audi Q5’s anti-theft features can help reduce insurance costs.
Cheapest Audi Q5 Insurance
State Farm offers the cheapest insurance for an Audi Q5 at $469 per year for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest Audi Q5 insurance rates across various coverage levels, age groups, driving records, model years and more.
Cheapest Audi Q5 Insurance by Coverage Level
Your coverage level greatly affects your Audi Q5 insurance rate. State Farm offers the most affordable rates for minimum and full coverage policies. Below is a breakdown of the cheapest provider for both coverage types.
Cheapest Audi Q5 Minimum Coverage
State Farm offers the cheapest minimum coverage for Audi Q5 at $39 monthly. For competitive rates, consider GEICO at $42, Progressive at $46 and Travelers at $48.
| USAA | $35 | $422 |
| State Farm | $39 | $469 |
| GEICO | $42 | $503 |
| Progressive | $46 | $551 |
| Travelers | $48 | $574 |
| Nationwide | $52 | $627 |
| Allstate | $56 | $678 |
| Farmers | $60 | $718 |
*State Farm offers the lowest average minimum coverage insurance rate for non-military-affiliated Audi Q5 owners. USAA is the most affordable option for military-affiliated drivers.
Best Audi Q5 Insurance Rates by Model Year
The above list doesn't account for your vehicle's production year, which means lower rates may be available depending on your Audi Q5's age. To find the cheapest minimum coverage rates for every production year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $678 | $57 |
| Farmers | $719 | $60 |
| GEICO | $533 | $44 |
| Nationwide | $662 | $55 |
| Progressive | $562 | $47 |
| State Farm | $462 | $39 |
| Travelers | $603 | $50 |
| USAA | $430 | $36 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Audi Q5 Insurance
State Farm offers the cheapest full coverage insurance for the Audi Q5 at $101 monthly or $1,217 annually. Below is the complete list of providers and rates for the Audi Q5.
| State Farm | $101 | $1,217 |
| USAA | $102 | $1,219 |
| GEICO | $109 | $1,308 |
| Nationwide | $121 | $1,453 |
| Progressive | $123 | $1,474 |
| Travelers | $125 | $1,501 |
| Allstate | $145 | $1,740 |
| Farmers | $159 | $1,912 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Audi Q5 owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Audi Q5 Insurance by Age
Younger drivers aged 16 to 25 and seniors 55+ often face higher Audi Q5 insurance costs. Below is a breakdown of the cheapest Audi Q5 insurance by age.
Cheapest Audi Q5 Insurance for Young Drivers
State Farm offers the cheapest insurance for young drivers aged 16 to 25, with rates averaging $86 monthly or $1,031 annually for minimum coverage. Below is a table showing the complete list of affordable rates for young Audi Q5 drivers.
| USAA | $73 | $879 |
| State Farm | $86 | $1,031 |
| GEICO | $99 | $1,189 |
| Travelers | $101 | $1,209 |
| Allstate | $128 | $1,531 |
| Progressive | $135 | $1,619 |
| Nationwide | $137 | $1,643 |
| Farmers | $163 | $1,955 |
*State Farm is the cheapest insurer for young, non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Audi Q5 Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $43 monthly or $517 annually. Farmers is the most expensive at $81 monthly or $969 annually. See the full list of cheap Audi Q5 insurers below:
| State Farm | $43 | $517 |
| USAA | $47 | $562 |
| GEICO | $50 | $596 |
| Progressive | $57 | $682 |
| Travelers | $58 | $694 |
| Nationwide | $61 | $736 |
| Allstate | $69 | $822 |
| Farmers | $81 | $969 |
Cheapest Audi Q5 Insurance After an Accident
For Audi Q5 drivers, State Farm, GEICO and Travelers are the most affordable car insurance providers after an accident. See the complete list below.
| State Farm | $49 | $588 |
| USAA | $54 | $643 |
| GEICO | $66 | $790 |
| Travelers | $68 | $820 |
| Progressive | $73 | $871 |
| Allstate | $77 | $927 |
| Nationwide | $80 | $957 |
| Farmers | $124 | $1,485 |
Audi Q5 Insurance Cost: Bottom Line
Regularly comparing car insurance rates from different providers can help you find the most affordable option. This article explores Audi Q5 insurance costs across various demographics and highlights the cheapest providers.
Audi Q5 Insurance Rates: FAQ
Below are answers to common questions about Audi Q5 insurance costs, including details on minimum coverage and affordable options.
What company has the cheapest car insurance for an Audi Q5?
State Farm offers the most affordable car insurance for an Audi Q5, with an annual minimum coverage rate of $469.
What is the average cost of car insurance for an Audi Q5?
The average cost of minimum auto insurance for an Audi Q5 is $586, while full coverage averages $1,518 annually.
Audi Q5 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 quotes for an Audi Q5 from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring an Audi Q5:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Audi Q5 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Audi Q5.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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.