Estimates, not quotes

Audi RS 5 Insurance Cost

Full coverage for a Audi RS 5 costs about $2,045 a year ($171/month) by our estimate — ▲ +29% versus the average vehicle.

Audi RS 5 exterior (photo from Wikimedia Commons)
Photo: Vauxford, 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 RS 5 insurance cost at a glance

Full coverage
$2,045
$171/mo · $1,680–$2,415
Minimum liability
$510
$42/mo
Segment
Luxury car
Gasoline
HLDI collision losses
233
Much worse than average (100 = avg)

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 2025 model year. Our vehicle data covers the 2013–2025 model years of the Audi RS 5, which is no longer in production.

Estimated Audi RS 5 premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $510 $42 $420–$600
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $740 $62 $605–$870
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,045 $171 $1,680–$2,415

What drives the cost of insuring a Audi RS 5

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 RS 5's results put our vehicle factor at 0.83× for liability, 2.19× for collision and 1.77× for comprehensive.

HLDI relative insurance losses — Audi RS5 4dr 4WD (Midsize Luxury cars)
CoverageIndexRatingWhat it measures
Collision233Much worse than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive186Much worse than averageTheft, vandalism, glass, weather and animal damage
Property damage liability73Much better than averageDamage this car does to other vehicles and property
HLDI results by body style / drivetrain (2)
VariantCollisionComprehensiveProp. damageBodily injury
Audi RS5 4dr 4WD23318673—
Audi RS5 2dr 4WD277———
  • Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
  • Recalls & complaints: 1 NHTSA recall campaigns and 0 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi RS 5 trims and configurations (2025)

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

ConfigurationDriveEngineMPG (comb.)
RS 5 SportbackAWD2.9L 6-cyl Turbo20

Audi RS 5 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 yearEnginesDriveMPGEst. full / yr
20252.9L 6-cyl TurboAWD20$2,045
20242.9L 6-cyl TurboAWD20–21$1,980
20232.9L 6-cyl Turbo4WD21$1,915
20222.9L 6-cyl Turbo4WD21$1,855
20212.9L 6-cyl TurboAWD20–21$1,790
20192.9L 6-cyl TurboAWD20–21$1,660
20182.9L 6-cyl TurboAWD21$1,595
20154.2L 8-cylAWD18$1,455
20144.2L 8-cylAWD18$1,455
20134.2L 8-cylAWD18$1,455

Audi RS 5 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.

StateFull coverageMinimumvs. national
Alabama$1,865$400−9%
Alaska$1,830$520−11%
Arizona$2,110$550+3%
Arkansas$1,940$370−5%
California$2,115$475+3%
Colorado$2,355$540+15%
Connecticut$2,095$590+2%
Delaware$2,105$665+3%
District of Columbia$2,640$615+29%
Florida$2,605$895+27%
Georgia$2,360$725+15%
Hawaii$1,485$360−27%
Idaho$1,410$335−31%
Illinois$1,830$415−11%
Indiana$1,505$335−26%
Iowa$1,510$255−26%
Kansas$1,745$335−15%
Kentucky$1,700$440−17%
Louisiana$2,775$655+36%
Maine$1,360$355−33%
Maryland$2,250$625+10%
Massachusetts$2,045$4900%
Michigan$2,285$635+12%
Minnesota$1,780$390−13%
Mississippi$2,030$440−1%
Missouri$1,910$425−7%
Montana$1,750$325−14%
Nebraska$1,750$335−14%
Nevada$2,105$720+3%
New Hampshire$1,520$335−26%
New Jersey$2,285$775+12%
New Mexico$1,875$430−8%
New York$2,580$770+26%
North Carolina$1,660$370−19%
North Dakota$1,470$230−28%
Ohio$1,515$335−26%
Oklahoma$1,950$390−5%
Oregon$1,720$520−16%
Pennsylvania$1,885$355−8%
Rhode Island$2,360$680+15%
South Carolina$2,055$6100%
South Dakota$1,750$260−14%
Tennessee$1,790$375−12%
Texas$2,500$575+22%
Utah$1,760$540−14%
Vermont$1,460$265−29%
Virginia$1,770$520−13%
Washington$1,700$490−17%
West Virginia$1,815$360−11%
Wisconsin$1,460$310−29%
Wyoming$1,790$270−12%

Audi RS 5 insurance by driver profile

Estimated annual Audi RS 5 premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,400 $2,030 $5,630 $469
Young adult (22) $815 $1,180 $3,275 $273
Adult in their 30s $510 $740 $2,045 $170
Adult in their 50s $470 $680 $1,885 $157
Senior (72) $570 $825 $2,290 $191
30s, one at-fault accident $740 $1,070 $2,965 $247
30s, DUI on record $945 $1,365 $3,785 $315

Audi RS 5 vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Audi RS 5$2,045233186—
Lexus IS$1,835158150—
Lexus ES$1,590121108—
BMW 7 Series$3,710405363—

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Frequently asked questions

How much is insurance for a Audi RS 5?

We estimate about $2,045 a year ($171 a month) for full coverage and $510 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 29% more than the average vehicle.

Is the Audi RS 5 expensive to insure?

HLDI insurance-loss data rates it at 233 for collision and 186 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi RS 5?

Maine has the lowest estimate (about $1,360 a year for full coverage) and Louisiana the highest (about $2,775).

Is the Audi RS 5 cheaper to insure than the Lexus IS?

By our estimate the Audi RS 5 costs about $2,045 a year versus $1,880 for the Lexus IS, making the Lexus IS cheaper to insure.

How much is Audi RS 5 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,630 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