Mercedes-Benz C-Class vs Audi S5 Insurance Cost
The Audi S5 is cheaper to insure by about $220 a year for full coverage by our estimate ($2,050 vs. $1,830), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Mercedes-Benz C-Class | Audi S5 | Difference |
|---|---|---|---|
| State minimum | $655 | $480 | +$175 |
| Standard (100/300/100) | $945 | $695 | +$250 |
| Full coverage | $2,050 | $1,830 | +$220 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = C-Class minus S5.
Why one costs more to insure
| Factor | Mercedes-Benz C-Class | Audi S5 |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid, Flex-fuel | Gasoline |
| HLDI collision (100 = avg) | 161 | 177 |
| HLDI comprehensive | 160 | 145 |
| HLDI property damage liability | 109 | 65 |
| HLDI bodily injury liability | 115 | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 2 | 2 |
Collision losses are the biggest swing factor: the Audi S5 has 16 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi S5.
C-Class vs S5 insurance by state
By driver profile (full coverage)
| Driver | C-Class | S5 |
|---|---|---|
| Teen driver (18, own policy) | $5,630 | $5,030 |
| Young adult (22) | $3,275 | $2,925 |
| Adult in their 30s | $2,050 | $1,830 |
| Adult in their 50s | $1,885 | $1,685 |
| Senior (72) | $2,295 | $2,050 |
| 30s, one at-fault accident | $2,970 | $2,655 |
| 30s, DUI on record | $3,790 | $3,385 |
More comparisons
Frequently asked questions
Is the Mercedes-Benz C-Class or the Audi S5 cheaper to insure?
By our estimate the Audi S5 is cheaper, by about $220 a year for full coverage ($2,050 vs. $1,830) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Mercedes-Benz C-Class and Audi S5?
Mostly because of insurance-loss history: HLDI collision indices of 161 vs. 177 and comprehensive indices of 160 vs. 145 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.