The Audi Q5 belongs to a series of subcompact luxury crossover SUVs. It offers drivers a comfortable, smooth ride and a relatively affordable sticker price, especially for a luxury vehicle. No matter which type of Q5 you drive, it deserves the best possible car insurance from a reliable luxury auto insurer.
An independent insurance agent can help you find the best auto insurance policy for your Audi Q5. They know which car insurance companies offer luxury vehicle coverage at a great rate. But first, here's an overview of Audi Q5 insurance costs in 2026.
Key Takeaways - Audi Q5 Car Insurance
Audi Q5 insurance costs an average of $2,076 per year, or approximately $173 per month, for full coverage.
Audi Q5 insurance rates can vary by driver age, with adult drivers paying the least for coverage and young drivers paying the most.
The most expensive state to insure an Audi Q5 is Louisiana, with an average cost of $4,260 per year, while Maine and Idaho are the least expensive, with an average annual cost of $1,200.
Newer Audi Q5 models often cost the most to insure, due to the vehicles' higher replacement price compared to others if they are stolen or totaled.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Audi Q5 model.
What Is Audi Q5 Insurance?
Audi Q5 insurance combines standard car insurance with additional types of coverage tailored to your luxury vehicle. Standard vehicles typically don't require as much protection as luxury autos, due to the higher price tags that come with luxury vehicles and their custom parts. But while Audi Q5 insurance may be slightly more expensive than coverage for non-luxury SUVs, it tends to be more affordable than many other types of Audi insurance.
Recommended coverage options for Audi Q5 drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for an Audi Q5:
- Audi warranty insurance: This can extend Audi's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Audi parts during the repair process. Audi OEM parts insurance helps maintain the integrity of your luxury vehicle's repairs.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Audi vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
In most states, at least minimum car insurance is required by law. A local independent insurance agent can help you find all the required Audi car insurance for your area.
How Much Does Audi Q5 Insurance Cost?
The average Audi Q5 full coverage insurance cost is $2,076 per year, or approximately $173 per month. Minimum coverage for an Audi Q5 costs an average of $1,068 per year, or approximately $89 per month.
However, several factors can influence the cost of Audi insurance, including:
- The specific type of Q5 you drive
- Your credit score (where allowed)
- Your location
- The types and amount of coverage you need
- Your claims history
- Your driving history
An independent insurance agent can help you compare Audi insurance quotes from multiple carriers that offer quality, affordable coverage near you.
Audi Q5 Insurance Costs by State
Audi insurance costs range widely from state to state. Audi Q5 insurance rates start at $100 per month in Maine and Idaho and reach all the way up to $355 per month in Louisiana. Here's a closer look at the most and least expensive states for insuring an Audi Q5 in 2026 with a full coverage policy.
Most expensive states for Audi Q5 insurance
- Louisiana: $355/month
- Michigan: $265/month
- Nevada: $262/month
- Missouri: $236/month
- New Jersey: $232/month
Least expensive states for Audi Q5 insurance
- Maine: $100/month
- Idaho: $100/month
- Hawaii: $102/month
- Vermont: $105/month
- New Hampshire: $113/month
Average Audi Q5 insurance costs by state
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $76 | $146 |
| Alaska | $62 | $133 |
| Arizona | $105 | $196 |
| Arkansas | $75 | $168 |
| California | $87 | $176 |
| Colorado | $86 | $206 |
| Connecticut | $118 | $203 |
| Delaware | $116 | $195 |
| Florida | $99 | $229 |
| Georgia | $120 | $198 |
| Hawaii | $45 | $102 |
| Idaho | $49 | $100 |
| Illinois | $83 | $156 |
| Indiana | $60 | $118 |
| Iowa | $54 | $130 |
| Kansas | $66 | $156 |
| Kentucky | $108 | $184 |
| Louisiana | $170 | $355 |
| Maine | $48 | $100 |
| Maryland | $133 | $224 |
| Massachusetts | $93 | $198 |
| Michigan | $137 | $265 |
| Minnesota | $77 | $161 |
| Mississippi | $81 | $160 |
| Missouri | $119 | $236 |
| Montana | $70 | $167 |
| Nebraska | $68 | $155 |
| Nevada | $145 | $262 |
| New Hampshire | $63 | $113 |
| New Jersey | $140 | $232 |
| New Mexico | $72 | $161 |
| New York | $103 | $185 |
| North Carolina | $73 | $144 |
| North Dakota | $58 | $128 |
| Ohio | $68 | $133 |
| Oklahoma | $84 | $187 |
| Oregon | $98 | $172 |
| Pennsylvania | $83 | $193 |
| Rhode Island | $110 | $196 |
| South Carolina | $86 | $161 |
| South Dakota | $53 | $163 |
| Tennessee | $70 | $143 |
| Texas | $107 | $219 |
| Utah | $92 | $158 |
| Vermont | $45 | $105 |
| Virginia | $87 | $141 |
| Washington | $79 | $147 |
| West Virginia | $82 | $166 |
| Wisconsin | $60 | $132 |
| Wyoming | $39 | $123 |
Audi Q5 Insurance Rates Comparison by Model Year
Newer vehicles often cost more to insure than older models because of the higher cost to the insurer to replace them if they are totaled or stolen. Audi Q5s are no exception. While a 2012 Audi Q5 costs just $96 to insure with full coverage each month, a 2025 Q5 costs about $234 per month.
Here's a breakdown of the average cost to insure an Audi Q5 in 2026 by model year.
| Model Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 2025 | $120 | $234 |
| 2024 | $118 | $231 |
| 2023 | $81 | $159 |
| 2022 | $73 | $143 |
| 2021 | $65 | $126 |
| 2020 | $60 | $117 |
| 2019 | $105 | $205 |
| 2018 | $114 | $221 |
| 2017 | $96 | $185 |
| 2016 | $97 | $189 |
| 2015 | $81 | $156 |
| 2014 | $69 | $134 |
| 2013 | $63 | $122 |
| 2012 | $49 | $96 |
Audi Q5 Insurance Costs by Insurance Company
Some car insurance companies offer better rates than others without sacrificing quality. Currently, Progressive and Travelers offer the lowest rates for Audi Q5 insurance.
Here are some of our top recommendations for the cheapest Audi Q5 car insurance companies that offer great coverage in 2026.
| Insurance Company | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| AAA | $106 | $220 |
| AIG | $127 | $314 |
| Allstate | $113 | $216 |
| Amica | $114 | $234 |
| Chubb | $114 | $229 |
| Kemper | $93 | $191 |
| Nationwide | $86 | $150 |
| Progressive | $76 | $142 |
| The Hartford | $98 | $167 |
| Travelers | $78 | $145 |
| UAIC | $135 | $169 |
Average Audi Q5 Insurance Costs by Driver Age
Younger drivers, including teens and those up to about age 24, tend to pay the highest rates for car insurance. Depending on how old you are, your Audi Q5 auto insurance rates can vary considerably. We found that young drivers pay the most by far for Audi Q5 insurance, while adult drivers pay the least. Here are the average costs to insure an Audi Q5 by driver age group in 2026.
| Driver Age Group | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Adult Drivers | $89 | $173 |
| Young Drivers | $227 | $436 |
| Senior Drivers | $119 | $218 |
Average Audi Q5 Insurance Costs by Driver Profile
Having accidents, tickets, DUIs, and other traffic violations on your record can increase your car insurance costs. Here are some common driver profile factors and how they impact the cost of Audi Q5 insurance in 2026.
| Driver Profile Risk Factor | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Speeding Ticket on Record | $111 | $217 |
| Accident on Record | $131 | $253 |
| DUI on Record | $166 | $319 |
| Poor Credit* | $214 | $431 |
*Note that driver credit score is not allowed as a factor that can influence car insurance premiums in every state.
Average Audi Q5 Insurance Rates by Trim Level
Your Audi Q5's trim level can also influence the cost of your coverage. Audi Q5 rates range from $92 per month for full coverage for the 45 TFSI Titanium Premium Sport Utility 4d model, all the way up to $277 per month for the 55 TFSI E S Line Prestige model.
The table below compares average Audi insurance quotes by Q5 trim level, from the most affordable to the most expensive.
| Trim Level | Average Monthly Cost for Minimum Coverage | Average Monthly Cost for Full Coverage |
| 45 TFSI Titanium Premium Sport Utility 4d | $47 | $92 |
| 45 TFSI Premium Sport Utility 4d | $52 | $101 |
| 55 TFSI E Premium Sport Utility 4d | $56 | $110 |
| 45 TFSI Premium Plus Sport Utility 4d | $57 | $112 |
| 45 TFSI Titanium Premium Plus Sport Utility 4d | $59 | $115 |
| 45 TFSI Prestige Sport Utility 4d | $62 | $121 |
| 2.0t Quattro Premium Sport Utility 4d | $62 | $121 |
| 2.0t Premium Sport Utility 4d | $64 | $124 |
| 55 TFSI E Premium Plus Sport Utility 4d | $66 | $128 |
| 40 TFSI Premium Sport Utility 4d | $67 | $130 |
| 45 TFSI Titanium Prestige Sport Utility 4d | $67 | $131 |
| 2.0t Premium Plus Sport Utility 4d | $68 | $132 |
| 3.2 Quattro Premium Plus Sport Utility 4d | $69 | $134 |
| 45 TFSI S Line Premium Sport Utility 4d | $69 | $135 |
| Sportback 45 TFSI Premium Sport Utility 4d | $70 | $136 |
| 40 TFSI Premium Plus Sport Utility 4d | $71 | $139 |
| 45 TFSI S Line Premium Plus Sport Utility 4d | $72 | $141 |
| Sportback 45 TFSI Premium Plus Sport Utility 4d | $73 | $141 |
| 55 TFSI E S Line Premium Sport Utility 4d | $74 | $144 |
| 3.0t Premium Plus Sport Utility 4d | $77 | $150 |
| 55 TFSI E Prestige Sport Utility 4d | $79 | $153 |
| 55 TFSI E S Line Premium Plus Sport Utility 4d | $79 | $155 |
| 3.2 Quattro Premium Sport Utility 4d | $80 | $154 |
| 45 TFSI S Line Prestige Sport Utility 4d | $80 | $155 |
| 40 TFSI Prestige Sport Utility 4d | $81 | $157 |
| TDI Premium Plus Sport Utility 4d | $81 | $156 |
| Sportback 45 TFSI Prestige Sport Utility 4d | $87 | $170 |
| Hybrid Prestige Sport Utility 4d | $89 | $173 |
| 55 TFSI E S Line Prestige Sport Utility 4d | $92 | $179 |
| Premium Sport Utility 4d | $96 | $186 |
| TDI Prestige Sport Utility 4d | $97 | $187 |
| 3.0t Prestige Sport Utility 4d | $98 | $190 |
| 40 TFSI Premium | $99 | $192 |
| Premium with Technology Value Package Sport Utility 4d | $103 | $200 |
| 45 TFSI S Line Premium | $105 | $205 |
| Premium | $107 | $209 |
| Premium Plus Sport Utility 4d | $108 | $211 |
| 40 TFSI Premium Plus | $110 | $214 |
| Sportback 45 TFSI Premium | $112 | $219 |
| Premium Plus with Technology Value Package Sport Utility 4d | $114 | $221 |
| Sportback Premium | $115 | $224 |
| 45 TFSI S Line Premium Plus | $116 | $225 |
| Premium Plus | $117 | $228 |
| Sportback 45 TFSI Premium Plus | $119 | $232 |
| 40 TFSI Prestige | $119 | $233 |
| Sportback Premium Plus | $121 | $236 |
| Prestige Sport Utility 4d | $122 | $238 |
| 55 TFSI E S Line Premium | $124 | $242 |
| 45 TFSI S Line Prestige | $125 | $243 |
| Prestige | $125 | $244 |
| Sportback 45 TFSI Prestige | $128 | $249 |
| Prestige with Technology Value Package Sport Utility 4d | $128 | $249 |
| Sportback Prestige | $130 | $252 |
| 55 TFSI E S Line Premium Plus | $135 | $263 |
| 55 TFSI E S Line Prestige | $142 | $277 |
Best Audi Q5 Insurance Discounts: How to Lower Your Audi Q5 Insurance Premiums
Your car insurance company likely offers several discounts that can help reduce your Audi Q5 insurance premiums. You can also follow any of these easy steps to potentially save substantially on your premiums.
- Ask about Audi Q5 insurance discounts: Many car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Steer clear of accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Audi Q5 insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Ask about telematics programs: Your insurance company or Audi may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Audi Q5 insurance from a trusted carrier near you.
Your independent insurance agent can help you find the cheapest Audi Q5 insurance in your area without sacrificing quality. They can also recommend other ways to reduce your insurance premiums.
An Independent Insurance Agent Can Help You Get the Best Audi Q5 Insurance Quotes
When it's time to find the most affordable Audi Q5 insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Audi Q5 insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Audi Q5 Insurance
How much does Audi Q5 insurance cost?
The average cost of Audi Q5 insurance is $2,076 per year, or approximately $173 per month, for full coverage. Your policy's costs may vary based on the specific type of Q5 you drive and other factors.
What factors affect insurance rates for an Audi Q5?
Many factors can influence the cost of Audi Q5 insurance, such as your location, age, driving history, claims history, and more.
Are Audis expensive to insure?
Yes, Audi vehicles can be expensive to insure, even when compared to other luxury auto brands. This can be due to several factors, including the high sticker price of the vehicles and the cost to replace custom parts.
What are the best carriers for Audi Q5 insurance?
We found that Progressive and Travelers are the best and cheapest car insurance companies for an Audi Q5.
Is gap insurance worth it for an Audi Q5?
Yes, gap insurance can be worth it for an Audi Q5 if you finance your vehicle, such as through a loan or lease. Ask your independent insurance agent if gap insurance makes sense for you.
How do safety features impact Q5 premiums?
Safety features can lead to lower car insurance premiums for an Audi Q5. It depends on the car insurance company you go through, but many carriers offer discounts for vehicle safety features.
Sources
https://www.moneygeek.com/insurance/auto/audi-q5-insurance/