Audi A5 Insurance Cost

Full coverage for a Audi A5 costs about $1,735 a year ($145/month) by our estimate — ▲ +9% versus the average vehicle, ranking 188th cheapest of 310 current models.

Audi A5 exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Audi A5 insurance cost at a glance

Full coverage

$1,735

$145/mo · $1,420–$2,045

Minimum liability

$515

$43/mo

Segment

Luxury car

Gasoline, Hybrid, Flex-fuel

HLDI collision losses

154

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2008–2027 model years of the Audi A5.

Estimated Audi A5 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$515	$43	$420–$605
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$745	$62	$610–$880
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,735	$145	$1,420–$2,045

What drives the cost of insuring a Audi A5

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Audi A5's results put our vehicle factor at 0.84× for liability, 1.52× for collision and 1.20× for comprehensive.

HLDI relative insurance losses — Audi A5 4dr 4WD hatchback (Midsize Luxury cars)
Coverage	Index	Rating	What it measures
Collision	154	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	119	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	76	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	76	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	84	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	92	Better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Audi A5 4dr 4WD hatchback	154	119	76	76
Audi A5 convertible 4WD	120	127	53	—
Audi A5 2dr 4WD	165	—	—	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 2 NHTSA recall campaigns and 10 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi A5 trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
A5 quattro	AWD	2.0L 4-cyl Turbo	26

Audi A5 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Turbo	AWD	26	$1,735
2026	2.0L 4-cyl Turbo	AWD	26	$1,690
2025	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid	AWD	26–29	$1,645
2024	2.0L 4-cyl Turbo Hybrid	AWD	27–30	$1,600
2023	2.0L 4-cyl Turbo Hybrid	AWD	26–28	$1,555
2022	2.0L 4-cyl Turbo Hybrid	AWD	26–29	$1,510
2021	2.0L 4-cyl Turbo Hybrid	AWD	26–28	$1,465
2020	2.0L 4-cyl Turbo	AWD	26–27	$1,420
2019	2.0L 4-cyl Turbo	AWD	27	$1,380
2018	2.0L 4-cyl Turbo	AWD	27	$1,335
2017	2.0L 4-cyl Turbo	AWD	24–26	$1,290
2016	2.0L 4-cyl Turbo	AWD	24–26	$1,245
2015	2.0L 4-cyl Turbo	AWD	24–26	$1,240
2014	2.0L 4-cyl Turbo	AWD, FWD	23–26	$1,240
2013	2.0L 4-cyl Turbo	AWD, FWD	23–26	$1,240
2012	2.0L 4-cyl Turbo	AWD, FWD	24–25	$1,240
2011	2.0L 4-cyl Turbo	AWD, FWD	24–25	$1,240
2010	2.0L 4-cyl Turbo, 3.2L 6-cyl	AWD, FWD	21–26	$1,240
2009	3.2L 6-cyl	4WD/AWD	20	$1,240
2008	3.2L 6-cyl	4WD/AWD	20–21	$1,240

Audi A5 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the A5 page for that state.

State	Full coverage	Minimum	vs. national	A5 page
Alabama	$1,555	$400	−10%	A5 in AL
Alaska	$1,545	$520	−11%	A5 in AK
Arizona	$1,795	$555	+3%	A5 in AZ
Arkansas	$1,600	$375	−8%	A5 in AR
California	$1,770	$480	+2%	A5 in CA
Colorado	$1,975	$545	+14%	A5 in CO
Connecticut	$1,800	$595	+4%	A5 in CT
Delaware	$1,835	$670	+6%	A5 in DE
District of Columbia	$2,225	$620	+28%	A5 in DC
Florida	$2,295	$900	+32%	A5 in FL
Georgia	$2,050	$730	+18%	A5 in GA
Hawaii	$1,245	$365	−28%	A5 in HI
Idaho	$1,190	$335	−31%	A5 in ID
Illinois	$1,535	$415	−12%	A5 in IL
Indiana	$1,260	$340	−27%	A5 in IN
Iowa	$1,240	$260	−29%	A5 in IA
Kansas	$1,435	$335	−17%	A5 in KS
Kentucky	$1,445	$440	−17%	A5 in KY
Louisiana	$2,365	$660	+36%	A5 in LA
Maine	$1,140	$355	−34%	A5 in ME
Maryland	$1,920	$630	+11%	A5 in MD
Massachusetts	$1,725	$495	−1%	A5 in MA
Michigan	$1,925	$640	+11%	A5 in MI
Minnesota	$1,480	$395	−15%	A5 in MN
Mississippi	$1,695	$445	−2%	A5 in MS
Missouri	$1,600	$430	−8%	A5 in MO
Montana	$1,440	$330	−17%	A5 in MT
Nebraska	$1,440	$335	−17%	A5 in NE
Nevada	$1,860	$725	+7%	A5 in NV
New Hampshire	$1,270	$335	−27%	A5 in NH
New Jersey	$1,995	$780	+15%	A5 in NJ
New Mexico	$1,575	$435	−9%	A5 in NM
New York	$2,235	$780	+29%	A5 in NY
North Carolina	$1,370	$375	−21%	A5 in NC
North Dakota	$1,195	$230	−31%	A5 in ND
Ohio	$1,270	$340	−27%	A5 in OH
Oklahoma	$1,615	$395	−7%	A5 in OK
Oregon	$1,490	$525	−14%	A5 in OR
Pennsylvania	$1,570	$355	−10%	A5 in PA
Rhode Island	$2,035	$685	+17%	A5 in RI
South Carolina	$1,775	$615	+2%	A5 in SC
South Dakota	$1,415	$265	−18%	A5 in SD
Tennessee	$1,490	$380	−14%	A5 in TN
Texas	$2,090	$580	+20%	A5 in TX
Utah	$1,520	$545	−12%	A5 in UT
Vermont	$1,200	$265	−31%	A5 in VT
Virginia	$1,495	$525	−14%	A5 in VA
Washington	$1,465	$495	−16%	A5 in WA
West Virginia	$1,500	$365	−14%	A5 in WV
Wisconsin	$1,215	$310	−30%	A5 in WI
Wyoming	$1,450	$270	−16%	A5 in WY

Audi A5 insurance by driver profile

Estimated annual Audi A5 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,410	$2,045	$4,770	$398
Young adult (22)	$820	$1,190	$2,775	$231
Adult in their 30s	$515	$745	$1,735	$145
Adult in their 50s	$470	$685	$1,595	$133
Senior (72)	$575	$835	$1,940	$162
30s, one at-fault accident	$745	$1,080	$2,515	$210
30s, DUI on record	$950	$1,375	$3,210	$268

Audi A5 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi A5	$1,735	154	119	—
Lexus IS	$1,835	158	150	Compare
Lexus ES	$1,590	121	108	Compare
BMW i4	$1,920	163	103	Compare

Estimate Audi A5 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Audi models

A3 $1,615/yr
A6 e-tron $1,910/yr
A8 $2,865/yr
e-tron GT $2,195/yr
Q3 $1,440/yr
Q6 e-tron $1,870/yr
Q8 $1,835/yr
RS 3 $1,810/yr
RS Q8 $2,340/yr
S3 $1,520/yr
S5 $1,830/yr
S8 $2,665/yr
SQ5 $1,720/yr
SQ8 $2,240/yr
A6 $1,860/yr
Q4 e-tron $1,615/yr
Q5 $1,500/yr
Q7 $1,570/yr
RS 6 Avant $2,040/yr
RS 7 $2,445/yr
SQ7 $1,930/yr
A4 $1,565/yr
A7 $1,825/yr
Q8 e-tron $2,015/yr
RS 5 $2,045/yr
S4 $2,020/yr
S6 $1,835/yr
S7 $2,015/yr
e-tron $1,685/yr
R8 $1,975/yr

All Audi insurance costs →

Frequently asked questions

How much is insurance for a Audi A5?

We estimate about $1,735 a year ($145 a month) for full coverage and $515 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 9% more than the average vehicle.

Is the Audi A5 expensive to insure?

HLDI insurance-loss data rates it at 154 for collision and 119 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi A5?

Maine has the lowest estimate (about $1,140 a year for full coverage) and Louisiana the highest (about $2,365).

What is the Audi A5's NHTSA safety rating?

The 2025 Audi A5 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Audi A5 cheaper to insure than the Lexus IS?

By our estimate the Audi A5 costs about $1,735 a year versus $1,880 for the Lexus IS, making it the cheaper of the two to insure.

How much is Audi A5 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,770 a year at national-average rates by our estimate.

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.

Sources used on this page