Audi A5 Car Insurance: How Much Should You Expect to Pay?

Audi A5 owners pay an average of $185 monthly for their car insurance rates. Our comprehensive guide will provide the information you need to know about how much insurance carriers might charge you to insure your Audi A5.

Quick Facts

  • An Audi A5 is more expensive to insure than the average car.
  • Liability auto insurance for an A5 comes in at around $76 a month, while full coverage typically tends to be about $202.
  • Workmens offers the most affordable average rates for an A5 with liability only coverage offered for sometimes as cheap as $41 per month.

A5 Overview

With new 2022 models coming in with a base MSRP of $43,500, the Audi A5 is a great choice for a mid-level car. There's a A5 for every driver, with your choice of three different trim options.

After analyzing thousands of car insurance quotes through Compare.com, we've found that average Audi A5 insurance premiums run around $185 monthly. But how does that fare against its competitors?

Current Base Price$43,500
Body Style(s)Car
Trim LevelsPRESTIGE, PREMIUM, PREMIUM PLUS
Average Insurance Premium$185/mo.
Cheapest Insurance CompanyWorkmens

How Much is Car Insurance for an Audi A5?

Vehicle Liability Only Full Coverage
Audi A5$76$202
All Audi Models$80$190
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll see that compared to other vehicles, Audi A5 insurance prices are above average. A5 drivers can expect to pay about $202 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $76 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When you compare it to other models, the A5 is slightly more expensive, with rates around 6% higher than Audi's other vehicle offerings. But A5 coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance prices coming in at $25 higher than other cars and liability insurance premiums at $7 cheaper.

When compared to all vehicles, regardless of body style, model, or make, liability only prices are less expensive for a A5, but run higher than average for full coverage policies.

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Who has the Cheapest Car Insurance for an Audi A5?

Insurance Company Average Monthly Premium
Workmens$41
Clearcover$42
Mercury$44
Commonwealth Casualty$46
Mapfre$46

Browsing for an auto insurance policy for your Audi A5? You may want to know which carrier offers the most affordable rates. Although premiums can fluctuate pretty dramatically depending on your driver profile, the cheapest average rates for liability only insurance are sometimes as little as $41 a month from Workmens. The runner up for lowest rates is Clearcover, with auto insurance policies starting as low as just $42 monthly.

Mercury, Commonwealth Casualty, and Mapfre round out the end of the top 5 list. 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 A5.

After all, your results might be different, since insurance carriers look at a multitude of different things when calculating premiums. By reviewing quotes from several car insurance companies at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for an Audi A5?

There are a bunch of attributes that insurance carriers reference to determine how much they charge for a policy -- and every company uses a different algorithm, so there's not one carrier that's the lowest for everyone.

Keep reading to learn which variables car insurance companies look at and how they affect your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$62
2-3 Years$76
4-5 Years$73
6-7 Years$80
8-10 Years$77
11-14 Years$102
15 Years or OlderNot Enough Data

The Audi A5 has been around for a while -- that means vehicle age will likely play a role in what you end up paying for auto insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and A5s begin to depreciate, insurance costs will gradually go down.

From the table above, you can see the Audi A5 is an outlier, as the most expensive models to insure are those that are 11 to 14 years old, while on average, the cheapest A5s are 1 year old or less.

Your Age

Age Average Monthly Premium

Age makes a big difference in how much insurance carriers will charge for auto insurance. In the table above, you'll see that those with more experience pay less than the youngest drivers. Audi A5 drivers under 18 actually pay over three times as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 65 years and older for A5 drivers.

Your Gender

Gender Average Monthly Premium
Male$75
Female$80

Because women are less likely to get into accidents and get tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates. Surprisingly, when it comes to A5 drivers specifically, men pay about $5 less than women each month for car insurance.

Where You Live

State Average Monthly Premium
California$49
Florida$104
Georgia$137
Illinois$82
New York$151
North Carolina$46
Ohio$54
Pennsylvania$65
Texas$65
Virginia$74

You may already know that factors like how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live matters just as much? Because auto insurance is regulated on the state level rather than nationally, rates can vary quite a bit from state to state.

For example, the average Audi A5 owner from New York pays around $151 per month for liability coverage, while the same driver from California will pay less than 50% of that price, on average. The chart shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Audi A5 Car Insurance Discounts

Whatever your age, your home state, or your car, using as many discounts as possible when it comes to your car insurance policy is always in your best interest.

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

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

While discounts are always a good way to save money on your auto insurance, some of the best ways to save are just by having a good driving history and positive insurance profile.

Although you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), you can influence some of it. Below are just a few of the variables you can use to your favor when it comes to saving money:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$117
1 Ticket$79
Multiple Tickets$116

You've no doubt seen ads from auto insurance carriers posting hefty savings for responsible drivers. It should be no surprise that your insurance rates will increase if you get a ticket for speeding or get into an accident. But exactly how much is it going to cost you for these infractions?

As you can see, accidents will usually cost A5 drivers more than tickets, but both will result in a raise in rates. Audi A5 drivers with one accident on their record pay an average of $88 every month (up $12 from the $76/mo. overall average), while drivers with a single ticket will pay about $79 monthly. The rates only go up the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$38
2,501-5,000 Miles$82
5,001-7,500 Miles$62
7,501-10,000 Miles$79
10,000+ Miles$76

Another variable that affects your car insurance premiums is the amount of miles you drive each year. Drivers who are on the roads less often are less likely to get tickets, so they'll usually end up paying less for insurance. Above, you can see that Audi A5 owners who drive fewer than 2,500 miles per year pay about $38 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $76.

But if you drive a limited amount, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Audi A5s Compare to Other Vehicles?

If you're considering making an Audi A5 your next car, it can pay off to do your due diligence. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Audi A5 compares:

Audi A5 National Average
Liability Insurance$155$81
Full Coverage Insurance$104$169
Base MSRP$43,500$46,192
Average Annual Mileage10,87311,617

As you can see, the Audi A5 is pretty much in line with the average vehicle price here in the U.S. The national average vehicle price is $46,192, and the A5 comes in close to that at $43,500.

Likewise, auto insurance prices are pretty average when compared to the rest of the vehicle market. Full coverage insurance for an Audi A5 is about $65 a month cheaper than average, while liability only coverage is per month.

When it comes to usage, Audi A5 owners drive about the same amount annually as the national average, with 10,873 miles a year compared to 11,617 for all vehicles.

Audi A5 Car Insurance Costs by Model Year

So far, you've seen how different things affect how much the average driver pays to insure an Audi A5. But if you're thinking about buying a new vehicle and the A5 is one you're considering, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your options.

2022 Audi A5 Car Insurance

   
Liability Only Avg. Premium$155
Full Coverage Avg. Premium$104
Base MSRP$43,500
Cheapest Insurance CompanyGood2Go - $155/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

When it comes to insuring a A5, the average 2022 Audi A5 generally costs around $104 a month for full coverage and $155 per month for a liability only policy. And if you want the cheapest insurance possible, Good2Go offers liability only policies for as little as just $2,155/mo monthly.

While it's great to know the average price drivers pay for insurance, there's no way to know exactly how much you'll pay without getting a personalized quote. With Compare.com, you can get several quotes at once, all for free. To get started, simply enter your ZIP code below.

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2021 Audi A5 Car Insurance

   
Liability Only Avg. Premium$91
Full Coverage Avg. Premium$195
Base MSRP$41,800
Cheapest Insurance CompanyMercury - $32/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

If you're looking to buy a 2021 A5 or already own one, you can expect an average insurance rate of about $91 for liability or $195 for full coverage.

And if you're just looking for the most affordable auto insurance for your A5, Mercury offers liability only policies for as little as $32 a month.

While these are good estimates of what the average driver might pay to insure a 2021 Audi A5, 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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2020 Audi A5 Car Insurance

   
Liability Only Avg. Premium$53
Full Coverage Avg. Premium$222
Base MSRP$42,900
Cheapest Insurance CompanyLiberty Mutual - $19/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

2020 A5 drivers can expect to pay an average of $53 per month for liability or $222 for full coverage.

Liberty Mutual offered the lowest policy we found, with rates as cheap as just $19 monthly.

If you want to know exactly how much you can expect to pay for your A5, just enter your ZIP code below and get free quotes in minutes.

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2019 Audi A5 Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$207
Base MSRP$44,200
Cheapest Insurance CompanyMercury - $25/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PREMIUM PLUS S-LINE, PREMIUM S LINE, PRESTIGE, PRESTIGE S-LINE

On average, drivers who own a 2019 Audi A5 can expect to pay $61 to $207 a month for liability only and full coverage car insurance, respectively.

Mercury has rates sometimes as low as $25 monthly for the 2019 Audi A5.

Want to know just how much you'll pay? Just enter your ZIP code below to get a variety of free personalized quotes.

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2018 Audi A5 Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$228
Base MSRP$42,600
Cheapest Insurance CompanyMercury - $26/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PREMIUM PLUS S-LINE, PREMIUM S LINE, PRESTIGE, PRESTIGE S-LINE

The average cost to insure a 2018 A5 with liability only coverage is $81 per month, while full coverage runs around $228 monthly.

With prices as cheap as $26 per month, Mercury offered the cheapest policy we found for the 2018 Audi A5.

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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2017 Audi A5 Car Insurance

   
Liability Only Avg. Premium$52
Full Coverage Avg. Premium$157
Base MSRP$41,200
Cheapest Insurance CompanyGainsco - $24/mo.
Available TrimsSPORT

It costs about $52 a month for liability or $157 for a full coverage policy for the 2017 Audi A5.

With premiums as low as $24 monthly, Gainsco offered the most affordable policy we found.

Want to find the lowest 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 companies.

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2016 Audi A5 Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$207
Base MSRP$40,500
Cheapest Insurance CompanySun Coast - $28/mo.
Available TrimsPREMIUM PLUS S-LINE

You can expect full coverage for a 2016 A5 to run around $207 a month, while liability only coverage will average about $61 per month.

If you're looking for the most affordable 2016 Audi A5 insurance policy, Sun Coast offered the cheapest policy we found, with rates as little as $28 monthly.

While these are good estimates of what the average driver might pay to insure a 2016 Audi A5, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2015 Audi A5 Car Insurance

   
Liability Only Avg. Premium$106
Full Coverage Avg. Premium$188
Base MSRP$40,000
Cheapest Insurance CompanyMetLife - $28/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

2015 Audi A5 drivers can expect to pay an average of $106 a month for liability or $188 for full coverage.

We found MetLife offered the lowest policy, with rates sometimes as cheap as $28 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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2014 Audi A5 Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$196
Base MSRP$39,000
Cheapest Insurance CompanyMercury - $25/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

You can expect full coverage for a 2014 A5 to run around $196 monthly, while liability only coverage will average about $81 a month.

Looking for the most affordable policy? Mercury offered liability only coverage for as little as just $25 per month.

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

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2013 Audi A5 Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$186
Base MSRP$37,850
Cheapest Insurance CompanyElephant - $20/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

On average, drivers who own a 2013 Audi A5 can expect to pay $71 to $186 a month for liability only and full coverage insurance, respectively.

Elephant offered the cheapest policy we found, with rates as low as $20 monthly.

What could your auto insurance rate look like? Get multiple free customized quotes by just entering your ZIP code below.

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2012 Audi A5 Car Insurance

   
Liability Only Avg. Premium$66
Full Coverage Avg. Premium$189
Base MSRP$37,100
Cheapest Insurance CompanyLiberty Mutual - $19/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

It costs around $66 per month for liability or $189 for a full coverage policy for the 2012 A5.

If you're looking for the lowest possible 2012 Audi A5 insurance policy, Liberty Mutual offered the most affordable policy we found, with rates sometimes as low as $19 monthly.

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

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2011 Audi A5 Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$201
Base MSRP$36,900
Cheapest Insurance CompanyElephant - $23/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

The average cost to insure a 2011 Audi A5 with liability only coverage is $88 a month, while full coverage runs about $201 per month.

With rates sometimes as little as $23 a month, Elephant offered the lowest policy we found.

If you want to find the best premiums for insurance for a 2011 Audi A5, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2010 Audi A5 Car Insurance

   
Liability Only Avg. Premium$84
Full Coverage Avg. Premium$227
Base MSRP$36,000
Cheapest Insurance CompanyMapfre - $26/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

2010 A5 drivers can expect to pay an average of $84 per month for liability or $227 for full coverage.

We found Mapfre offered the cheapest policy, with rates as cheap as just $26 monthly.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of free customized quotes.

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Audi A5 Insurance FAQs

Is an Audi A5 expensive to insure?

Liability insurance runs an average of $76 a month, while full coverage will cost you around $202. The Audi A5 is relatively expensive to insure compared to the average car.

How can I get the best price on car insurance for my Audi A5?

There's only one way to make sure you're getting the lowest rates -- regularly shopping around and comparing quotes from numerous 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 multiple companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Audi A5 affect my insurance premiums?

You've probably heard the old adage that red cars cost more to insure, but that's actually not the case. Even though there are multiple factors car insurance carriers look at when they offer prices, the color of your vehicle isn't one of them.

Do I need to have insurance before I buy an Audi A5?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a valid insurance policy. Some dealerships will offer you an insurance policy as part of the buying process, but your best bet is letting your car insurance company know before you buy.

What car insurance discounts can I get for my Audi A5?

There are a ton of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your Audi A5 and more on you, but if your A5 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 know is to talk with your insurance agent and ask about their discounts.

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