Are you considering insuring your Audi Q5 in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Audi Q5 can vary widely based on factors such as your location, driving history, and vehicle model year.
On average, insuring a 2023 Audi Q5 costs around $2,793 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Q5 might cost slightly less, around $2,593 per year, while insuring a 2018 model could be even more budget-friendly at $2,216 annually.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Audi Q5.
What is the cost to insure your Audi Q5 in 2025?
On average, insuring a Audi Q5 costs $232 per month – or $2,785 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Audi Q5
Nationwide offers the lowest car insurance rates for your Audi Q5, with an average cost of $2,033 per year or $169 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Audi Q5.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,033 | $1,017 | $169 |
| State Farm | $2,160 | $1,080 | $180 |
| Geico | $2,481 | $1,241 | $207 |
| Progressive | $2,578 | $1,289 | $215 |
| Farmers | $3,617 | $1,809 | $301 |
| Allstate | $3,934 | $1,967 | $328 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Audi Q5 car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Audi Q5 will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
The table below shows the average annual insurance costs for various model years of the Audi Q5, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $2,001 | $1,000 | $167 |
| 2015 | $2,074 | $1,037 | $173 |
| 2016 | $2,191 | $1,096 | $183 |
| 2017 | $2,204 | $1,102 | $184 |
| 2018 | $2,216 | $1,108 | $185 |
| 2019 | $2,309 | $1,154 | $192 |
| 2020 | $2,533 | $1,267 | $211 |
| 2021 | $2,593 | $1,296 | $216 |
| 2022 | $2,710 | $1,355 | $226 |
| 2023 | $2,793 | $1,397 | $233 |
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Audi Q5 car insurance rates for different trims
A Audi Q5’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For example, higher trims like the Q5 E Quattro Prestige S-Line, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Audi Q5.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Q5 Quattro Premium | $2,571 | $1,285 | $214 |
| Q5 Quattro Premium Plus | $2,656 | $1,328 | $221 |
| Q5 Quattro Premium S-Line | $2,718 | $1,359 | $226 |
| Q5 Quattro Premium Plus S-Line | $2,762 | $1,381 | $230 |
| Q5 Sportback Quattro Premium S-line | $2,808 | $1,404 | $234 |
| Q5 Sportback Quattro Premium Plus S-line | $2,820 | $1,410 | $235 |
| Q5 Sportback Quattro Prestige S-Line | $2,849 | $1,424 | $237 |
| Q5 Quattro Prestige S-Line | $2,849 | $1,425 | $237 |
| Q5 E Quattro Premium S-Line | $2,855 | $1,427 | $238 |
| Q5 E Quattro Premium Plus S-Line | $2,872 | $1,436 | $239 |
| Q5 Quattro Prestige | $2,886 | $1,443 | $241 |
| Q5 E Quattro Prestige S-Line | $3,018 | $1,509 | $252 |
Audi Q5 insurance rates: State-by-state breakdown
Insurance costs for a Audi Q5 vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Audi Q5 in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,462 | $1,231 | $205 |
| Alabama | $2,693 | $1,347 | $224 |
| Arkansas | $3,060 | $1,530 | $255 |
| Arizona | $2,633 | $1,317 | $219 |
| California | $3,313 | $1,656 | $276 |
| Colorado | $3,500 | $1,750 | $292 |
| Connecticut | $2,791 | $1,395 | $233 |
| Washington, D.C. | $3,262 | $1,631 | $272 |
| Delaware | $2,695 | $1,347 | $225 |
| Florida | $2,960 | $1,480 | $247 |
| Georgia | $3,016 | $1,508 | $251 |
| Hawaii | $1,593 | $796 | $133 |
| Iowa | $2,425 | $1,212 | $202 |
| Idaho | $1,870 | $935 | $156 |
| Illinois | $2,713 | $1,356 | $226 |
| Indiana | $2,563 | $1,281 | $214 |
| Kansas | $2,949 | $1,475 | $246 |
| Kentucky | $3,602 | $1,801 | $300 |
| Louisiana | $4,473 | $2,236 | $373 |
| Massachusetts | $2,697 | $1,348 | $225 |
| Maryland | $2,563 | $1,281 | $214 |
| Maine | $2,007 | $1,003 | $167 |
| Michigan | $3,509 | $1,754 | $292 |
| Minnesota | $3,039 | $1,519 | $253 |
| Missouri | $3,302 | $1,651 | $275 |
| Mississippi | $3,201 | $1,600 | $267 |
| Montana | $3,067 | $1,534 | $256 |
| North Carolina | $2,307 | $1,154 | $192 |
| North Dakota | $2,588 | $1,294 | $216 |
| Nebraska | $3,074 | $1,537 | $256 |
| New Hampshire | $2,127 | $1,063 | $177 |
| New Jersey | $2,631 | $1,316 | $219 |
| New Mexico | $2,958 | $1,479 | $246 |
| Nevada | $2,524 | $1,262 | $210 |
| New York | $2,091 | $1,045 | $174 |
| Ohio | $2,065 | $1,032 | $172 |
| Oklahoma | $3,068 | $1,534 | $256 |
| Oregon | $2,670 | $1,335 | $222 |
| Pennsylvania | $2,777 | $1,388 | $231 |
| Rhode Island | $3,161 | $1,581 | $263 |
| South Carolina | $2,427 | $1,213 | $202 |
| South Dakota | $3,399 | $1,700 | $283 |
| Tennessee | $3,065 | $1,533 | $255 |
| Texas | $4,058 | $2,029 | $338 |
| Utah | $2,255 | $1,128 | $188 |
| Virginia | $2,095 | $1,047 | $175 |
| Vermont | $2,264 | $1,132 | $189 |
| Washington | $2,188 | $1,094 | $182 |
| Wisconsin | $2,199 | $1,099 | $183 |
| West Virginia | $2,630 | $1,315 | $219 |
| Wyoming | $3,482 | $1,741 | $290 |
How your age impacts Audi Q5 insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $10,594 | $5,297 | $883 |
| Adults | $2,785 | $1,393 | $232 |
The bottom line
It’s essential to know how much it will cost to insure your Audi Q5 so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your location.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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