Estimates, not quotes

Audi SQ5 Insurance Cost

Full coverage for a Audi SQ5 costs about $1,720 a year ($144/month) by our estimate — ▲ +8% versus the average vehicle, ranking 184th cheapest of 310 current models.

Audi SQ5 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 SQ5 insurance cost at a glance

Full coverage
$1,720
$144/mo · $1,410–$2,030
Minimum liability
$510
$43/mo
Segment
Luxury SUV
Gasoline
HLDI collision losses
140
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 2014–2027 model years of the Audi SQ5.

Estimated Audi SQ5 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 $43 $420–$605
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $740 $62 $610–$875
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,720 $144 $1,410–$2,030

What drives the cost of insuring a Audi SQ5

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 SQ5's results put our vehicle factor at 0.83× for liability, 1.40× for collision and 1.39× for comprehensive.

HLDI relative insurance losses — Audi SQ5 4dr 4WD (Midsize Luxury SUVs)
CoverageIndexRatingWhat it measures
Collision140Much worse than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive141Much worse than averageTheft, vandalism, glass, weather and animal damage
Property damage liability75Much better than averageDamage this car does to other vehicles and property
Personal injury protection70Much better than averageInjuries to occupants of this car (claim frequency)
HLDI results by body style / drivetrain (2)
VariantCollisionComprehensiveProp. damageBodily injury
Audi SQ5 4dr 4WD14014175—
Audi SQ5 sportback 4dr 4WD13715866—
  • Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
  • Recalls & complaints: 1 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 SQ5 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.

ConfigurationDriveEngineMPG (comb.)
SQ5AWD3.0L 6-cyl Turbo23
SQ5 SportbackAWD3.0L 6-cyl Turbo23

Audi SQ5 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
20273.0L 6-cyl TurboAWD23$1,720
20263.0L 6-cyl TurboAWD23$1,680
20253.0L 6-cyl TurboAWD21–22$1,635
20243.0L 6-cyl TurboAWD21$1,590
20233.0L 6-cyl Turbo4WD21$1,545
20223.0L 6-cyl Turbo4WD21$1,500
20213.0L 6-cyl TurboAWD20$1,460
20203.0L 6-cyl TurboAWD20$1,415
20193.0L 6-cyl TurboAWD21$1,370
20183.0L 6-cyl TurboAWD21$1,325
20173.0L 6-cyl SuperchargedAWD19$1,280
20163.0L 6-cyl SuperchargedAWD19$1,235
20153.0L 6-cyl SuperchargedAWD19$1,230
20143.0L 6-cyl SuperchargedAWD19$1,230

Audi SQ5 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$1,550$400−10%
Alaska$1,520$520−12%
Arizona$1,790$550+4%
Arkansas$1,600$375−7%
California$1,725$4800%
Colorado$2,005$545+17%
Connecticut$1,775$595+3%
Delaware$1,815$670+6%
District of Columbia$2,190$620+27%
Florida$2,280$900+33%
Georgia$2,030$725+18%
Hawaii$1,215$365−29%
Idaho$1,180$335−31%
Illinois$1,520$415−12%
Indiana$1,250$335−27%
Iowa$1,260$260−27%
Kansas$1,460$335−15%
Kentucky$1,440$440−16%
Louisiana$2,360$660+37%
Maine$1,130$355−34%
Maryland$1,900$630+10%
Massachusetts$1,700$495−1%
Michigan$1,900$640+10%
Minnesota$1,495$390−13%
Mississippi$1,700$440−1%
Missouri$1,605$425−7%
Montana$1,470$330−15%
Nebraska$1,465$335−15%
Nevada$1,830$725+6%
New Hampshire$1,255$335−27%
New Jersey$1,965$780+14%
New Mexico$1,575$435−8%
New York$2,215$775+29%
North Carolina$1,355$375−21%
North Dakota$1,215$230−29%
Ohio$1,260$335−27%
Oklahoma$1,630$395−5%
Oregon$1,480$520−14%
Pennsylvania$1,555$355−10%
Rhode Island$2,005$685+17%
South Carolina$1,775$610+3%
South Dakota$1,470$265−15%
Tennessee$1,480$375−14%
Texas$2,100$575+22%
Utah$1,505$545−13%
Vermont$1,190$265−31%
Virginia$1,485$525−14%
Washington$1,450$490−16%
West Virginia$1,510$365−12%
Wisconsin$1,220$310−29%
Wyoming$1,495$270−13%

Audi SQ5 insurance by driver profile

Estimated annual Audi SQ5 premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,410 $2,040 $4,735 $395
Young adult (22) $820 $1,190 $2,755 $230
Adult in their 30s $510 $740 $1,720 $143
Adult in their 50s $470 $685 $1,585 $132
Senior (72) $575 $830 $1,930 $161
30s, one at-fault accident $740 $1,075 $2,495 $208
30s, DUI on record $945 $1,375 $3,185 $265

Audi SQ5 vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Audi SQ5$1,720140141—
BMW X3$1,56510892—
BMW X5$1,690120142—
Audi Q7$1,570123131—

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Frequently asked questions

How much is insurance for a Audi SQ5?

We estimate about $1,720 a year ($144 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 8% more than the average vehicle.

Is the Audi SQ5 expensive to insure?

HLDI insurance-loss data rates it at 140 for collision and 141 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi SQ5?

Maine has the lowest estimate (about $1,130 a year for full coverage) and Louisiana the highest (about $2,360).

Is the Audi SQ5 cheaper to insure than the BMW X3?

By our estimate the Audi SQ5 costs about $1,720 a year versus $1,600 for the BMW X3, making the BMW X3 cheaper to insure.

How much is Audi SQ5 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,735 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