Audi Q5 Insurance Cost

Full coverage for a Audi Q5 costs about $1,500 a year ($125/month) by our estimate — ▼ −6% versus the average vehicle, ranking 94th cheapest of 310 current models.

Audi Q5 exterior (photo from Wikimedia Commons) — Photo: M 93, CC BY-SA 3.0 de

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 Q5 insurance cost at a glance

Full coverage

$1,500

$125/mo · $1,230–$1,765

Minimum liability

$490

$41/mo

Segment

Luxury SUV

Gasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuel

HLDI collision losses

119

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 2026 model year. Our vehicle data covers the 2009–2026 model years of the Audi Q5.

Estimated Audi Q5 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.	$490	$41	$400–$580
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$710	$59	$585–$840
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,500	$125	$1,230–$1,765

What drives the cost of insuring a Audi Q5

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 Q5's results put our vehicle factor at 0.80× for liability, 1.22× for collision and 1.09× for comprehensive.

HLDI relative insurance losses — Audi Q5 4dr 4WD (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	119	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	105	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	66	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	66	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	68	Much 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 Q5 4dr 4WD	119	105	76	66
Audi Q5 sportback 4dr 4WD	112	118	87	—
Audi Q5 plug-in hybrid 4dr 4WD	140	107	87	—

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 5 NHTSA recall campaigns and 80 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi Q5 trims and configurations (2026)

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.)
Q5 Sportback TFSI quattro	AWD	2.0L 4-cyl Turbo	24
Q5 TFSI quattro	AWD	2.0L 4-cyl Turbo	24

Audi Q5 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
2026	2.0L 4-cyl Turbo	AWD	24	$1,500
2025	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD	25–26	$1,460
2024	2.0L 4-cyl Turbo Hybrid	AWD	24–26	$1,425
2023	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD	25–26	$1,385
2022	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD	25–26	$1,350
2021	2.0L 4-cyl Turbo Hybrid, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD	25–27	$1,310
2020	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD	24–27	$1,275
2019	2.0L 4-cyl Turbo	AWD	24	$1,240
2018	2.0L 4-cyl Turbo	AWD	25	$1,200
2017	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD	21–22	$1,165
2016	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Supercharged	AWD	21–26	$1,125
2015	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Supercharged	AWD	21–26	$1,125
2014	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Supercharged	AWD	21–26	$1,125
2013	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Supercharged	AWD	21–26	$1,125
2012	2.0L 4-cyl Turbo, 3.2L 6-cyl	AWD	20–22	$1,125
2011	2.0L 4-cyl Turbo, 3.2L 6-cyl	AWD	20–22	$1,125
2010	3.2L 6-cyl	AWD	20	$1,125
2009	3.2L 6-cyl	AWD	20	$1,125

Audi Q5 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 Q5 page for that state.

State	Full coverage	Minimum	vs. national	Q5 page
Alabama	$1,330	$385	−11%	Q5 in AL
Alaska	$1,325	$500	−12%	Q5 in AK
Arizona	$1,560	$530	+4%	Q5 in AZ
Arkansas	$1,365	$360	−9%	Q5 in AR
California	$1,500	$455	0%	Q5 in CA
Colorado	$1,715	$520	+14%	Q5 in CO
Connecticut	$1,565	$570	+4%	Q5 in CT
Delaware	$1,610	$640	+7%	Q5 in DE
District of Columbia	$1,905	$595	+27%	Q5 in DC
Florida	$2,035	$860	+36%	Q5 in FL
Georgia	$1,795	$695	+20%	Q5 in GA
Hawaii	$1,055	$345	−30%	Q5 in HI
Idaho	$1,025	$320	−32%	Q5 in ID
Illinois	$1,315	$400	−12%	Q5 in IL
Indiana	$1,080	$325	−28%	Q5 in IN
Iowa	$1,060	$245	−29%	Q5 in IA
Kansas	$1,235	$320	−18%	Q5 in KS
Kentucky	$1,255	$420	−16%	Q5 in KY
Louisiana	$2,055	$630	+37%	Q5 in LA
Maine	$975	$340	−35%	Q5 in ME
Maryland	$1,665	$600	+11%	Q5 in MD
Massachusetts	$1,480	$475	−1%	Q5 in MA
Michigan	$1,650	$610	+10%	Q5 in MI
Minnesota	$1,275	$375	−15%	Q5 in MN
Mississippi	$1,455	$425	−3%	Q5 in MS
Missouri	$1,380	$410	−8%	Q5 in MO
Montana	$1,240	$315	−17%	Q5 in MT
Nebraska	$1,240	$320	−17%	Q5 in NE
Nevada	$1,640	$690	+9%	Q5 in NV
New Hampshire	$1,085	$320	−28%	Q5 in NH
New Jersey	$1,745	$745	+16%	Q5 in NJ
New Mexico	$1,360	$415	−9%	Q5 in NM
New York	$1,955	$745	+30%	Q5 in NY
North Carolina	$1,160	$360	−23%	Q5 in NC
North Dakota	$1,015	$220	−32%	Q5 in ND
Ohio	$1,085	$325	−28%	Q5 in OH
Oklahoma	$1,385	$375	−8%	Q5 in OK
Oregon	$1,305	$500	−13%	Q5 in OR
Pennsylvania	$1,340	$340	−11%	Q5 in PA
Rhode Island	$1,770	$655	+18%	Q5 in RI
South Carolina	$1,560	$585	+4%	Q5 in SC
South Dakota	$1,215	$250	−19%	Q5 in SD
Tennessee	$1,275	$360	−15%	Q5 in TN
Texas	$1,800	$550	+20%	Q5 in TX
Utah	$1,325	$520	−12%	Q5 in UT
Vermont	$1,015	$255	−32%	Q5 in VT
Virginia	$1,290	$500	−14%	Q5 in VA
Washington	$1,275	$470	−15%	Q5 in WA
West Virginia	$1,285	$350	−14%	Q5 in WV
Wisconsin	$1,045	$295	−30%	Q5 in WI
Wyoming	$1,240	$260	−17%	Q5 in WY

Audi Q5 insurance by driver profile

Estimated annual Audi Q5 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,350	$1,955	$4,120	$343
Young adult (22)	$785	$1,135	$2,395	$200
Adult in their 30s	$490	$710	$1,500	$125
Adult in their 50s	$450	$655	$1,380	$115
Senior (72)	$550	$795	$1,680	$140
30s, one at-fault accident	$710	$1,030	$2,170	$181
30s, DUI on record	$905	$1,315	$2,770	$231

Audi Q5 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi Q5	$1,500	119	105	—
BMW X3	$1,565	108	92	Compare
Porsche Macan	$1,700	151	117	Compare
Infiniti QX60	$1,550	105	100	Compare

Estimate Audi Q5 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
A5 $1,735/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
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 Q5?

We estimate about $1,500 a year ($125 a month) for full coverage and $490 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 6% less than the average vehicle.

Is the Audi Q5 expensive to insure?

HLDI insurance-loss data rates it at 119 for collision and 105 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Audi Q5?

Maine has the lowest estimate (about $975 a year for full coverage) and Louisiana the highest (about $2,055).

What is the Audi Q5's NHTSA safety rating?

The 2025 Audi Q5 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Audi Q5 cheaper to insure than the BMW X3?

By our estimate the Audi Q5 costs about $1,500 a year versus $1,600 for the BMW X3, making it the cheaper of the two to insure.

How much is Audi Q5 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,120 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