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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Updated
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The Audi Q5 is a luxury compact SUV with a sleek look and impressive performance. That might make them appealing cars to drive on a daily basis, but it also leads to higher insurance costs. Q5 drivers pay $158 per month for car insurance, according to Compare.com data.
Audi Q5 insurance rates are a bit higher than the national average, possibly due to the 2025 model’s higher starting MSRP of $52,200.[1] The vehicle also has luxury features that can be expensive to repair.
Here’s what you need to know about auto insurance for the Audi Q5, including how to find a good deal on a policy.
Safeco, Root, and Mercury offer some of the cheapest average premiums for Q5 drivers.
Insuring an older Q5 model typically costs less than buying coverage for a newer model. The average monthly cost to insure a 2016 Q5 is $151, but 2025 Q5 drivers pay an average of $177.
The 2025 Q5 comes in three different trims, with starting costs ranging from $52,000 to $60,600.
The type of plan you choose will affect your car insurance costs. Liability insurance is the cheapest coverage option, but it pays for damages and injuries only to other drivers after an at-fault accident. A full-coverage policy, on the other hand, is more expensive because it also covers theft, vandalism, at-fault accidents, and many other incidents.
In the table below, you can view average monthly premiums for the Audi Q5 and how they compare to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Audi Q5 | $110 | $207 | $158 |
| All vehicles | $108 | $190 | $149 |
Audi Q5 owners pay an average of $110 per month for liability insurance and $207 for full coverage. But your exact car insurance costs will vary based on a number of factors, which we’ll dive into below.
Regardless of an insurance company’s average rates, you can find ways to save on your auto policy. Below, you can compare average quotes from the cheapest car insurance companies for Audi Q5 drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Safeco | $107 |
| Root | $117 |
| Mercury | $119 |
| GEICO | $123 |
| National General | $131 |
Safeco offers the most affordable average premium for Audi Q5 drivers, at $107 per month. While Compare.com data shows that these insurers offer the cheapest premiums for Q5s, they may not offer the cheapest coverage for your specific situation and coverage needs. That’s why it’s worth it to shop around and compare quotes from a handful of insurers.
Read on to learn how much car insurance might cost for different types of Q5 owners.
Compare quotes and save money in seconds.
When it comes to auto policies, no insurance company is a good fit for every driver. The best insurer for your Audi Q5 will depend on your unique situation.
We’ve highlighted the best insurer options for drivers on a budget, low-mileage drivers, and military drivers. We chose each company based on a combination of average rates, coverage options, customer ratings and reviews, and available insurance discounts.
You can learn more about three of the best car insurance companies for Audi Q5 owners below to kick off your search.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco offers some of the cheapest rates for Q5 drivers, and its auto policies come with a variety of complimentary benefits.
These include claims-free cash back, in which you’ll get up to 5% of your policy’s premiums each year you don’t file a claim, plus a diminishing deductible and accident forgiveness. You’ll also be able to choose from optional coverages like new car replacement, rental car reimbursement, and 24-hour roadside assistance.[2]
Customizable coverage options
RightTrack telematics program
Highly rated mobile app
RightTrack is only available in some states
Mixed customer reviews
Confusing discount options
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $97/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $183/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide might be a good fit for you if you don’t drive your Audi Q5 often, like if you’ve retired or work remotely. Its SmartMiles program allows you to only pay for the miles you drive and offers a 10% discount for responsible driving.[3]
You could also enroll in SmartRide, Nationwide’s telematics program, and score a discount right away. If you demonstrate safe driving, you may get up to 40% off your Q5 insurance premium.
Offers gap insurance and a vanishing deductible
Variety of advertised discounts
Free annual insurance review
Not available in every state
SmartMiles not available everywhere
Discounts vary by state
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers a variety of car insurance options to military personnel, veterans, and eligible family members.
If you’re part of the military in some way, you might want to consider USAA to insure your Audi Q5. In addition to basic coverages, USAA also offers add-ons like accident forgiveness and auto insurance overseas. Plus, you might qualify for a discount during deployment or if you have your Q5 in storage on a military base.[4]
Strong customer satisfaction ratings
Military-related discounts
Savings of up to 30% through SafePilot
Only available to the military community
Gap insurance not available
Poor Trustpilot rating
The age of your Audi Q5 can play a role in your auto insurance costs. In general, the more your car is worth, the more you’ll pay to insure it. For this reason, newer Q5s typically come with higher premiums.
Here’s a look at average car insurance rates for the Audi Q5 by model year, according to Compare.com data.
Q5 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $177 |
| 2024 | $183 |
| 2023 | $184 |
| 2022 | $172 |
| 2021 | $178 |
| 2020 | $174 |
| 2019 | $167 |
| 2018 | $158 |
| 2017 | $154 |
| 2016 | $151 |
| 2015 | $161 |
| 2014 | $147 |
| 2013 | $136 |
| 2012 | $137 |
| 2011 | $139 |
| 2010 | $133 |
Your vehicle’s model year is just one factor that can affect your premiums. Your state and ZIP code will also influence what you pay for a Q5 auto policy.
Car insurance rates vary depending on where you park your car. If you live somewhere with a high number of accidents and uninsured drivers, for example, you’ll likely pay more for car insurance. Also, drivers in urban areas usually face more expensive coverage than those in rural towns with fewer drivers on the road.[5]
The map below shows average monthly rates for Audi Q5 drivers by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $108 |
| Arizona | $157 |
| Arkansas | $141 |
| California | $174 |
| Colorado | $167 |
| Connecticut | $274 |
| Delaware | $302 |
| Florida | $225 |
| Georgia | $204 |
| Idaho | $228 |
| Illinois | $93 |
| Indiana | $97 |
| Iowa | $134 |
| Kansas | $114 |
| Kentucky | $126 |
| Louisiana | $178 |
| Maine | $189 |
| Maryland | $139 |
| Massachusetts | $285 |
| Michigan | $123 |
| Minnesota | $217 |
| Mississippi | $152 |
| Missouri | $153 |
| Montana | $125 |
| Nebraska | $122 |
| Nevada | $81 |
| New Hampshire | $109 |
| New Jersey | $126 |
| New Mexico | $85 |
| New York | $201 |
| North Carolina | $117 |
| North Dakota | $241 |
| Ohio | $289 |
| Oklahoma | $107 |
| Oregon | $144 |
| Pennsylvania | $136 |
| Rhode Island | $141 |
| South Carolina | $193 |
| South Dakota | $231 |
| Tennessee | $103 |
| Texas | $117 |
| Utah | $191 |
| Vermont | $145 |
| Virginia | $164 |
| Washington | $112 |
| Washington D.C. | $144 |
| West Virginia | $103 |
| Wisconsin | $127 |
| Wyoming | $90 |
Insurers also consider your age when they calculate your car insurance premium. That’s because there’s a direct relationship between driving experience and car accidents. Teens and young drivers often face higher costs than middle-aged and senior drivers because they’re more likely to get into accidents.[6] But as you get older and become more experienced on the road, your premium typically decreases.
Let’s take a look at car insurance rates for each age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $389 |
| Adults | $189 |
| Seniors | $172 |
Teens with an Audi Q5 pay $389 for an auto policy, on average, but this price significantly decreases in your 20s. Your premiums will continue to go down each year, but will inch up again when you turn 70.[7]
Your driving history is another factor that affects your car insurance rates.[5] Serious traffic violations, such as speeding, at-fault accidents, and driving under the influence (DUI), position you as a high-risk driver. As a result, auto insurance companies will charge you higher premiums.
The table below highlights the average monthly insurance costs for Audi Q5 drivers with different driving histories, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $207 |
| Speeding ticket | $287 |
| At-fault accident | $300 |
| DUI | $340 |
To lock in the lowest rates, do your best to maintain a clean driving record. Q5 owners with a clean record pay $133 less per month, on average, than drivers with a DUI.
Different features on your SUV can also affect your premiums, which we’ll discuss in more detail below.
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The features in your Audi Q5 can have a major effect on what you pay for car insurance. That’s because they play a role in your vehicle’s safety, theft risk, and repair costs. Some vehicle trims increase the value of your Q5 and cost more to repair or replace, leading to higher rates.
For example, the base trim (Premium TFSI quattro S tronic) is likely cheaper to insure. But if you opt for the top-of-the-line trim (Prestige TFSI quattro S tronic) you’ll likely pay more expensive premiums due to the following luxury features:
Multi-media interface display with 10.9” screen
Adaptive air suspension
Digital OLED taillights
Ventilated front seats
Heated rear seats
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Regardless of your driving record and situation, you can find ways to lower your car insurance costs. The following tips can help you secure cheaper auto insurance coverage for your Audi Q5:
Choose a lower-level trim. The Premium or Premium Plus Q5 trims may have cheaper rates than the top-tier Prestige.
Search for discounts. Most insurance companies offer discounts to help you save some money on your car insurance. Look for discounts like the multi-car discount, defensive driving discount, or bundling discount.
Increase your deductible. Another way to save on an auto policy is to choose higher deductibles. But if you do so, make sure you have the cash to pay for the higher out-of-pocket expenses after a covered claim.
Shop around. Do your research, and get car insurance quotes regularly from at least three different insurance companies. Then, compare premiums, coverage levels, discounts, and more to find the right plan for your Q5.
Find the coverage you need for your Audi Q5 at the best price.
Below, you’ll find answers to common questions drivers have about car insurance policies for the Audi Q5.
Yes. Audi Q5 car insurance costs $158 per month, which is slightly higher than the average of $149 for all vehicles, according to Compare.com data. Your driving history, desired coverage level, location, and other factors will affect what you pay to insure your Q5.
Safeco is one of the most affordable car insurers for an Audi Q5, according to Compare.com data. On average, Q5 drivers with Safeco pay an average of $107 per month.
But that doesn’t guarantee Safeco will be your cheapest option. Be sure to shop around and compare quotes to find the ideal coverage and premium for your particular needs and preferences.
Car insurance coverage for the 2025 Audi Q5 costs $177 per month, according to our data. Breaking it down by coverage level, car insurance costs $110 per month for liability coverage and $207 for full-coverage insurance. But your exact rate will depend on factors like your age, driving history, ZIP code, discounts, and coverage level.
The Q5 is the cheapest Audi model to insure, with average monthly premiums of $158, according to our data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
