Audi RS5 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi RS5 is more expensive to insure compared to the average car.
• Liability only car insurance rates for a RS5 run about $123 monthly, while full coverage usually runs around $272.
• ACG provides the lowest average premiums for a RS5 with liability only coverage offered for as cheap as $18 per month.

RS5 Overview

With a base price of $74,200 for 2019 models, the Audi RS5 is on the more expensive end of the spectrum.

We sifted through thousands of insurance quotes on Compare.com, and we've found that average Audi RS5 car insurance prices run about $270 monthly. How do auto insurance premiums for the RS5 compare to prices of other similar cars?

How Much is Car Insurance for an Audi RS5?

Looking at the table above, you can see that when you compare the Audi RS5 to other vehicles, insurance rates are above average. RS5 drivers can expect to pay around $272 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $123 per month for liability only insurance (find out more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other models, the RS5 is more expensive, with premiums about 43% higher than Audi's other vehicle offerings. Likewise, compared to other vehicles of a similar body style, RS5 coverage is above average, with both full coverage and liability only insurance averaging more expensive rates than other cars.

Generally, they're just more expensive to insure than the average vehicle, no matter which make, model, or body style you compare it to.

Who has the Cheapest Car Insurance for an Audi RS5?

Are you looking for an auto insurance policy for your Audi RS5? You're likely wondering which carrier offers the lowest premiums. Although there will never be one company that offers the cheapest premiums for everyone, the most affordable average rates for liability only insurance are as little as $18 a month from ACG. The next cheapest carrier is StateAuto, who offers car insurance sometimes as little as $60 per month.

Esurance, Mercury, and The General finish off the rest of the top 5. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Auto insurance companies take a whole range of different things into consideration when calculating monthly rates. The only way to guarantee you find the lowest rates is to compare quotes from a wide array of auto insurance carriers.

What Factors Affect Car Insurance Rates for an Audi RS5?

There are a lot of pieces that insurance companies use to choose how much they charge for auto insurance -- and every company uses a different method, so there's not one carrier that's the most affordable for each driver.

The sections below show a bunch of factors insurance carriers use to calculate rates:

Vehicle Age

Audi has been making the RS5 for quite some time -- and that means the car's age may play a role in how much you'll pay for car insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and RS5s begin to depreciate, insurance costs will gradually go down.

As you can see in the table above, the Audi RS5 is an outlier, as the most expensive models to insure are those that are 6 to 7 years old, while the cheapest RS5s are 2 to 3 years old, on average.

Your Age

Age plays a big role in how much auto insurance companies will charge for a policy. As you can see above, drivers who have more experience on the road pay less compared to young drivers. Audi RS5 drivers under 18 actually pay over five times as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group being 35-44 for RS5 drivers.

Your Gender

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women tend to get cheaper rates than men. The Audi RS5 follows this convention, and women pay around $41 monthly for insurance and men pay about $131. However, due to the small sample size of RS5 data, this pricing may not be representative of the prices you may see.

Where You Live

You might think it's common sense that variables such as how old you are and what vehicle you drive play a role in your car insurance premiums, but did you know that where you live can matter just as much? Since auto insurance is regulated on a state-by-state basis, rates can shift quite a bit from state to state.

For example, Illinois has rates for RS5 owners that are lower than other locations.

Audi RS5 Car Insurance Discounts

No matter your home state, your age, or your car, it's always important to take advantage of as many insurance discounts as possible.

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

• Multi-policy discounts for bundling your home and auto policies with the same company
• 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)
• Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than in monthly installments
• Multi-vehicle discounts for adding more than one car to your auto policy

These discounts are great, but sometimes the best way to save is just by having a profile that looks good to insurance companies.

Of course, you can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), but there is quite bit in your control. Below are just a few of the ones you can use to your favor when it comes to saving money:

Your Driving Record

You've no doubt heard ads from car insurance carriers offering large discounts for good drivers. It makes sense that if you get tickets or get into a collision, auto insurance prices will go up. But exactly how much can it cost you for these infractions?

Based on the table above, accidents will usually cost RS5 drivers less than tickets, but both will result in higher than average rates. Audi RS5 drivers with one accident on their record pay about $49 a month, while drivers with a single ticket will pay an average of $68 per month. The rates only increase the more tickets you get or accidents you have.

How Much You Drive

Another variable that plays a role in your car insurance rates is the total amount of miles you drive annually. Drivers who are on the roads less are less likely to get into collisions, so they'll generally end up spending less on insurance.

If you don't drive much because you work from home or have a second vehicle, you might consider getting a usage-based or pay-per-mile car insurance policy. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Audi RS5s Compare to Other Vehicles?

If you're considering making an Audi RS5 your next vehicle, it might be helpful to do your homework. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering.

Visit the table below to see how the Audi RS5 stacks up:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Audi RS5 is on the more expensive side when it comes to price. The RS5 goes for $74,200, a bit higher than the national average vehicle price of $46,074.

Full coverage insurance for an Audi RS5 is around $144 per month more than average, while liability only coverage is over $20 less a month.

However, it is worth noting that the RS5 owners tend to drive their cars less than the average American driver, with only 10,357 annual miles for the average owner.

Audi RS5 Car Insurance Costs by Model Year

You've seen how different factors can affect a driver's auto insurance premiums. But if you're considering purchasing a new RS5, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your options.

2019 Audi RS5 Car Insurance

On average, drivers who own a 2019 RS5 can expect to pay $52 to $313 monthly for liability only and full coverage auto insurance, respectively.

We found Mercury offered the lowest policy, with rates sometimes as cheap as $51 a month.

Want to know exactly what your car insurance price will be? Enter your ZIP code below to get a variety of free personalized quotes.

2015 Audi RS5 Car Insurance

It costs about $55 per month for liability or $205 for a full coverage policy for the 2015 Audi RS5.

With premiums as low as $50 monthly, Mercury offered the cheapest policy we found for the 2015 Audi RS5.

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.

2014 Audi RS5 Car Insurance

The average cost to insure a 2014 RS5 with liability only coverage is $213 per month, while full coverage runs around $286 monthly.

ACG offered the most affordable policy we found, with rates as little as just $18 a month.

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

2013 Audi RS5 Car Insurance

2013 Audi RS5 drivers can expect to pay an average of $59 per month for liability or $228 for full coverage.

Looking for the cheapest policy? Mercury offered liability only coverage for as cheap as just $41 a 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.

Audi RS5 Insurance FAQs

Is an Audi RS5 expensive to insure?

Liability insurance runs an average of $123 monthly, while full coverage will cost you around $272. It costs more to insure an Audi RS5 when compared to the average vehicle.

How can I get the best price on car insurance for my Audi RS5?

The only way to make sure you're getting the most affordable price on insurance is to check prices regularly and compare quotes from an array of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a variety of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Audi RS5 affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's actually not the case. Even though there are multiple variables car insurance companies consider when they calculate how much you'll pay, the color of your Audi RS5 isn't one of them.

Do I need to have insurance before I buy an Audi RS5?

You'll need to have valid insurance for your RS5 before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Audi RS5?

You will find a lot of different discounts out there for car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your RS5 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to know for sure is to get in touch with your insurance carrier and ask about which discounts they offer.