Audi S5 Insurance Cost

Full coverage for a Audi S5 costs about $1,830 a year ($152/month) by our estimate — ▲ +15% versus the average vehicle, ranking 214th cheapest of 310 current models.

Audi S5 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 S5 insurance cost at a glance

Full coverage

$1,830

$152/mo · $1,500–$2,160

Minimum liability

$480

$40/mo

Segment

Luxury car

Gasoline

HLDI collision losses

177

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 2027 model year. Our vehicle data covers the 2008–2027 model years of the Audi S5.

Estimated Audi S5 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.	$480	$40	$395–$565
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$695	$58	$570–$820
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,830	$152	$1,500–$2,160

What drives the cost of insuring a Audi S5

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 S5's results put our vehicle factor at 0.78× for liability, 1.71× for collision and 1.42× for comprehensive.

HLDI relative insurance losses — Audi S5 4dr 4WD hatchback (Midsize Luxury cars)
Coverage	Index	Rating	What it measures
Collision	177	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	145	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	65	Much better than average	Damage this car does to other vehicles and property
Personal injury protection	89	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 S5 4dr 4WD hatchback	177	145	65	—
Audi S5 convertible 4WD	143	—	54	—
Audi S5 2dr 4WD	180	—	—	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 2 NHTSA recall campaigns and 12 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi S5 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.)
S5 Sport Sedan	AWD	3.0L 6-cyl Turbo	23

Audi S5 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	3.0L 6-cyl Turbo	AWD	23	$1,830
2026	3.0L 6-cyl Turbo	AWD	23	$1,780
2025	3.0L 6-cyl Turbo	AWD	22–23	$1,725
2024	3.0L 6-cyl Turbo	AWD	22–24	$1,675
2023	3.0L 6-cyl Turbo	4WD	23–24	$1,625
2022	3.0L 6-cyl Turbo	4WD	23–24	$1,575
2021	3.0L 6-cyl Turbo	AWD	22–23	$1,525
2020	3.0L 6-cyl Turbo	AWD	22–23	$1,470
2019	3.0L 6-cyl Turbo	AWD	24	$1,420
2018	3.0L 6-cyl Turbo	AWD	23–24	$1,370
2017	3.0L 6-cyl Supercharged	AWD	20–21	$1,320
2016	3.0L 6-cyl Supercharged	AWD	20–21	$1,270
2015	3.0L 6-cyl Supercharged	AWD	20–21	$1,265
2014	3.0L 6-cyl Supercharged	AWD	20–21	$1,265
2013	3.0L 6-cyl Supercharged	AWD	20–21	$1,265
2012	3.0L 6-cyl Supercharged, 4.2L 8-cyl	AWD	17–20	$1,265
2011	3.0L 6-cyl Supercharged, 4.2L 8-cyl	AWD	17–20	$1,265
2010	3.0L 6-cyl Supercharged, 4.2L 8-cyl	AWD	17–20	$1,265
2009	4.2L 8-cyl	4WD/AWD	17–19	$1,265
2008	4.2L 8-cyl	4WD/AWD	16–19	$1,265

Audi S5 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 S5 page for that state.

State	Full coverage	Minimum	vs. national	S5 page
Alabama	$1,660	$375	−9%	S5 in AL
Alaska	$1,630	$490	−11%	S5 in AK
Arizona	$1,890	$515	+3%	S5 in AZ
Arkansas	$1,725	$350	−6%	S5 in AR
California	$1,880	$450	+3%	S5 in CA
Colorado	$2,105	$510	+15%	S5 in CO
Connecticut	$1,875	$555	+2%	S5 in CT
Delaware	$1,895	$625	+4%	S5 in DE
District of Columbia	$2,355	$580	+29%	S5 in DC
Florida	$2,355	$845	+29%	S5 in FL
Georgia	$2,120	$680	+16%	S5 in GA
Hawaii	$1,320	$340	−28%	S5 in HI
Idaho	$1,260	$315	−31%	S5 in ID
Illinois	$1,630	$390	−11%	S5 in IL
Indiana	$1,340	$315	−27%	S5 in IN
Iowa	$1,345	$240	−27%	S5 in IA
Kansas	$1,550	$315	−15%	S5 in KS
Kentucky	$1,520	$410	−17%	S5 in KY
Louisiana	$2,485	$620	+36%	S5 in LA
Maine	$1,210	$330	−34%	S5 in ME
Maryland	$2,015	$590	+10%	S5 in MD
Massachusetts	$1,825	$465	0%	S5 in MA
Michigan	$2,035	$600	+11%	S5 in MI
Minnesota	$1,585	$370	−13%	S5 in MN
Mississippi	$1,810	$415	−1%	S5 in MS
Missouri	$1,705	$400	−7%	S5 in MO
Montana	$1,560	$305	−15%	S5 in MT
Nebraska	$1,555	$315	−15%	S5 in NE
Nevada	$1,905	$680	+4%	S5 in NV
New Hampshire	$1,350	$315	−26%	S5 in NH
New Jersey	$2,060	$730	+13%	S5 in NJ
New Mexico	$1,675	$405	−8%	S5 in NM
New York	$2,320	$725	+27%	S5 in NY
North Carolina	$1,475	$350	−19%	S5 in NC
North Dakota	$1,300	$215	−29%	S5 in ND
Ohio	$1,350	$315	−26%	S5 in OH
Oklahoma	$1,735	$370	−5%	S5 in OK
Oregon	$1,550	$490	−15%	S5 in OR
Pennsylvania	$1,675	$335	−8%	S5 in PA
Rhode Island	$2,120	$640	+16%	S5 in RI
South Carolina	$1,850	$575	+1%	S5 in SC
South Dakota	$1,555	$245	−15%	S5 in SD
Tennessee	$1,595	$355	−13%	S5 in TN
Texas	$2,230	$540	+22%	S5 in TX
Utah	$1,580	$510	−14%	S5 in UT
Vermont	$1,290	$250	−30%	S5 in VT
Virginia	$1,580	$490	−14%	S5 in VA
Washington	$1,525	$460	−17%	S5 in WA
West Virginia	$1,615	$340	−12%	S5 in WV
Wisconsin	$1,300	$290	−29%	S5 in WI
Wyoming	$1,590	$255	−13%	S5 in WY

Audi S5 insurance by driver profile

Estimated annual Audi S5 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,320	$1,915	$5,030	$419
Young adult (22)	$770	$1,115	$2,925	$244
Adult in their 30s	$480	$695	$1,830	$153
Adult in their 50s	$440	$640	$1,685	$140
Senior (72)	$540	$780	$2,050	$171
30s, one at-fault accident	$695	$1,010	$2,655	$221
30s, DUI on record	$890	$1,290	$3,385	$282

Audi S5 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi S5	$1,830	177	145	—
Lexus IS	$1,835	158	150	Compare
Mercedes-Benz C-Class	$2,050	161	160	Compare
Alfa Romeo Giulia	$2,275	186	182	Compare

Estimate Audi S5 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
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 S5?

We estimate about $1,830 a year ($152 a month) for full coverage and $480 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 15% more than the average vehicle.

Is the Audi S5 expensive to insure?

HLDI insurance-loss data rates it at 177 for collision and 145 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi S5?

Maine has the lowest estimate (about $1,210 a year for full coverage) and Louisiana the highest (about $2,485).

Is the Audi S5 cheaper to insure than the Lexus IS?

By our estimate the Audi S5 costs about $1,830 a year versus $1,880 for the Lexus IS, making it the cheaper of the two to insure.

How much is Audi S5 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,030 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