Audi S5 Car Insurance Cost 2025
On average, insuring an Audi S5 costs around $2,600 per year. However, the actual premium you’ll pay may vary depending on factors like your age, the model year of your car, and other personal details. You can use our quote tables to estimate your specific costs more accurately.
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The Audi S5, known for its sporty performance and refined luxury, generally costs more to insure than the average sedan. On average, full coverage for a 2025 Audi S5 is estimated to cost around $2,400 to $2,600 per year, or roughly $200 to $215 per month.
These premiums reflect the S5’s status as a high-performance vehicle, which often means higher repair costs and increased risk ratings from insurers. However, your actual rate can vary significantly depending on factors like age, driving history, location, and coverage level. Comparing quotes from multiple insurers is key to finding the best price.
How Much Does Audi S5 Car Insurance Cost?
On average, Audi S5 drivers can expect to pay around $2,600 per year for car insurance.
The cost of car insurance can vary greatly due to several factors. These include your driving history, location, the model year of your vehicle, and the type of coverage you choose. A clean driving record typically results in lower premiums, while accidents or traffic violations may increase your rates.
Living in urban areas with heavy traffic may also drive up your premiums compared to rural areas with less congestion. Additionally, the type of coverage you select will affect your premium, as comprehensive insurance (which covers both comprehensive and collision) tends to be more expensive than basic liability coverage.
As shown in the table below, the cost of insuring an Audi S5 is higher compared to the average cost for all Audi models. It’s also more expensive than the average cost for all cars. Insuranceopedia helps you compare quotes from multiple providers, ensuring you get the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Audi S5 | $257 |
| All Audis | $195 |
| All Cars | $175 |
Average Insurance Cost Of Audi S5 By Model Year
| Model Year | Average Premium |
| 2025 Audi S5 | $1,710 |
| 2024 Audi S5 | $3,920 |
| 2023 Audi S5 | $5,357 |
| 2022 Audi S5 | $2,358 |
| 2021 Audi S5 | $4,388 |
| 2020 Audi S5 | $3,712 |
| 2019 Audi S5 | $1,764 |
| 2018 Audi S5 | $1,400 |
| 2017 Audi S5 | $3,577 |
| 2016 Audi S5 | $4,001 |
| 2015 Audi S5 | $1,699 |
| 2014 Audi S5 | $1,515 |
| 2013 Audi S5 | $1,293 |
| 2012 Audi S5 | $1,419 |
| 2011 Audi S5 | $1,702 |
| 2010 Audi S5 | $831 |
2025 Audi S5 Insurance Rates
The average annual insurance cost for a 2025 Audi S5 is $1,710. However, National General offers the cheapest rates, averaging $413 per year.
| Insurance Provider | Average Annual Cost |
| Erie Insurance | $1,860 |
| Nationwide | $1,725 |
| USAA | $1,595 |
| State Farm | $1,826 |
| Travelers | $1,050 |
| National General | $413 |
| Hanover | $2,006 |
| Unitrin | $2,076 |
| Preferred Mutual | $2,241 |
| Chubb | $2,312 |
2024 Audi S5 Insurance Rates
The average annual insurance cost for a 2024 Audi S5 is $3,920. However, California Capital offers the cheapest rates, averaging $2,453 per year.
| Insurance Provider | Average Annual Cost |
| Hartford | $4,805 |
| Mercury | $3,783 |
| Auto Club | $4,573 |
| CSAA | $2,524 |
| Metropolitan | $4,127 |
| Mercury Insurance Company | $4,555 |
| USAA | $4,405 |
| California Capital | $2,453 |
| Alliance United | $4,069 |
| Grange | $3,908 |
2023 Audi S5 Insurance Rates
The average annual insurance cost for a 2023 Audi S5 is $5,357. However, USAA offers the cheapest rates, averaging $4,355 per year.
| Insurance Provider | Average Annual Cost |
| Grange | $4,657 |
| Allstate | $6,280 |
| California Capital | $3,743 |
| Metropolitan | $6,275 |
| Hartford | $5,912 |
| 21st Century | $5,385 |
| State Farm | $6,008 |
| CSAA | $4,391 |
| National General | $6,559 |
| USAA | $4,355 |
2022 Audi S5 Insurance Rates
The average annual insurance cost for a 2022 Audi S5 is $2,358. However, Penn National offers the cheapest rates, averaging $1,215 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $2,369 |
| Virginia Farm Bureau | $1,454 |
| Erie | $2,553 |
| Mercury Insurance Company | $2,306 |
| State Farm | $3,026 |
| National Grange Mutual | $2,959 |
| CSAA | $2,458 |
| California Capital | $2,500 |
| New York Central Mutual Fire | $2,736 |
| Penn National | $1,215 |
2021 Audi S5 Insurance Rates
The average annual insurance cost for a 2021 Audi S5 is $4,388. However, Direct Auto offers the cheapest rates, averaging $972 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $3,768 |
| Direct Auto | $972 |
| State Farm | $5,186 |
| Unitrin | $4,625 |
| Grange | $4,666 |
| USAA | $3,073 |
| Allstate | $5,993 |
| 21st Century | $5,381 |
| CSAA | $4,329 |
| Hartford | $5,885 |
2020 Audi S5 Insurance Rates
The average annual insurance cost for a 2020 Audi S5 is $3,712. However, California Capital offers the cheapest rates, averaging $2,436 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $4,128 |
| Grange | $3,910 |
| Erie | $4,187 |
| Travelers | $3,344 |
| California Capital | $2,436 |
| Mercury | $3,823 |
| Alliance United | $4,059 |
| CSAA | $2,537 |
| Mercury Insurance Company | $4,486 |
| Metropolitan | $4,211 |
2019 Audi S5 Insurance Rates
The average annual insurance cost for a 2019 Audi S5 is $1,764. However, Texas Farm Bureau Group offers the cheapest rates, averaging $866 per year.
| Insurance Provider | Average Annual Cost |
| CSAA | $2,316 |
| Republic Indemnity | $2,050 |
| Auto-Owners Insurance Co | $1,730 |
| New York Central Mutual Fire | $1,558 |
| Direct Auto | $1,018 |
| New Jersey Manufacturers | $2,277 |
| California Capital | $2,228 |
| 21st Century | $2,304 |
| Texas Farm Bureau Group | $866 |
| Country | $1,291 |
2018 Audi S5 Insurance Rates
The average annual insurance cost for a 2018 Audi S5 is $1,400. However, Safeco offers the cheapest rates, averaging $400 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $1,324 |
| Shelter | $1,707 |
| Farm Bureau Mutual (IA Group) | $1,726 |
| Texas Farm Bureau Group | $873 |
| Mercury Insurance | $573 |
| Safeco | $400 |
| Colorado Farm Bureau Mutual | $1,885 |
| Direct Auto | $1,735 |
| Republic Indemnity | $2,055 |
| Southern Farm Bureau | $1,719 |
Find Affordable Audi S5 Insurance Rates
2017 Audi S5 Insurance Rates
The average annual insurance cost for a 2017 Audi S5 is $3,577. However, Colorado Farm Bureau Mutual offers the cheapest rates, averaging $2,921 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $3,839 |
| Farmers | $3,957 |
| Travelers | $3,030 |
| Auto-Owners Insurance Co | $3,687 |
| National Farmers Union P | $3,829 |
| Erie | $3,350 |
| Colorado Farm Bureau Mutual | $2,921 |
| Nationwide | $3,888 |
| USAA | $3,241 |
| State Farm | $4,028 |
2016 Audi S5 Insurance Rates
The average annual insurance cost for a 2016 Audi S5 is $4,001. However, Farm Bureau Mutual (IA Group) offers the cheapest rates, averaging $2,547 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland | $4,186 |
| USAA | $3,126 |
| American Family | $4,530 |
| Farm Bureau Mutual (IA Group) | $2,547 |
| Auto-Owners Insurance Co | $4,739 |
| New York Central Mutual Fire | $4,720 |
| Penn National | $3,427 |
| California Capital | $4,136 |
| National General | $3,806 |
| Hartford | $4,790 |
2015 Audi S5 Insurance Rates
The average annual insurance cost for a 2015 Audi S5 is $1,699. However, Plymouth Rock Assurance offers the cheapest rates, averaging $930 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $930 |
| Quincy Mutual | $1,952 |
| ACE American Pool | $2,062 |
| Safety Group | $1,473 |
| Norfolk and Dedham Group | $1,361 |
| Liberty Mutual | $2,020 |
| Arbella Insurance Group | $1,726 |
| National Grange Mutual | $1,618 |
| National Farmers Union P | $2,054 |
| Preferred Mutual | $1,790 |
2014 Audi S5 Insurance Rates
The average annual insurance cost for a 2014 Audi S5 is $1,515. However, SECURA Insurance offers the cheapest rates, averaging $1,033 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,211 |
| Penn National | $1,558 |
| Cincinnati Insurance | $1,781 |
| Motorists Mutual | $1,909 |
| Erie | $1,686 |
| Western Reserve | $1,681 |
| Celina Insurance Group | $1,796 |
| Virginia Farm Bureau | $1,154 |
| SECURA Insurance | $1,033 |
| Buckeye Insurance Group | $1,339 |
2013 Audi S5 Insurance Rates
The average annual insurance cost for a 2013 Audi S5 is $1,293. However, Liberty Mutual offers the cheapest rates, averaging $780 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock Assurance | $1,132 |
| Liberty Mutual | $780 |
| Penn National | $1,503 |
| GMAC Insurance Group | $1,288 |
| Esurance | $1,201 |
| American Family | $1,535 |
| Travelers | $1,655 |
| Virginia Farm Bureau | $1,485 |
| Erie | $1,176 |
| North Carolina Farm Bureau | $1,170 |
2012 Audi S5 Insurance Rates
The average annual insurance cost for a 2012 Audi S5 is $1,419. However, American National P offers the cheapest rates, averaging $539 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,450 |
| Southern Farm Bureau | $1,528 |
| National Grange Mutual | $1,615 |
| Travelers | $1,706 |
| Direct Auto | $1,440 |
| Nationwide | $1,724 |
| SECURA Insurance | $981 |
| USAA | $1,491 |
| Pioneer State Mutual Ins Co | $1,712 |
| American National P | $539 |
2011 Audi S5 Insurance Rates
The average annual insurance cost for a 2011 Audi S5 is $1,702. However, Kemper Auto Premier offers the cheapest rates, averaging $881 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $971 |
| Direct Auto | $1,753 |
| Pioneer State Mutual Ins Co | $2,018 |
| Kemper Auto Premier | $881 |
| Chubb | $1,980 |
| Farm Bureau Ins of MI | $2,565 |
| Metropolitan | $2,542 |
| National General | $1,854 |
| Dairyland Auto | $727 |
| USAA | $1,730 |
2010 Audi S5 Insurance Rates
The average annual insurance cost for a 2010 Audi S5 is $831. However, SafeAuto offers the cheapest rates, averaging $514 per year.
| Insurance Provider | Average Annual Cost |
| Acuity | $988 |
| SECURA Insurance | $588 |
| SafeAuto | $514 |
| Rural Mutual Insurance | $705 |
| Auto-Owners Insurance Co | $1,354 |
| Pekin Insurance | $577 |
| Rockford Mutual Insurance | $1,016 |
| Plymouth Rock Assurance | $759 |
| Hastings Mutual Insurance Co | $1,072 |
| Tennessee Farmers | $738 |
Find Affordable Audi S5 Insurance Rates
Are Audis S5 Expensive To Insure?
Insuring an Audi S5 is generally more expensive than average due to its high-performance capabilities and luxury features. On average, full coverage for an Audi S5 costs around $3,201 per year, or approximately $267 per month. Cite turn0search8 However, actual premiums can vary significantly based on factors like the driver’s age, location, driving history, and the specific model year of the S5. For instance, newer models with advanced technology may incur higher insurance costs due to increased repair expenses. To obtain the most accurate and competitive rates, it’s advisable to compare quotes from multiple insurance providers, considering your specific circumstances and coverage needs.
Cost of Audi S5 Car Insurance By Age
Age is a key factor in determining insurance rates for any vehicle. Teen drivers generally face the highest premiums due to their higher risk of being involved in accidents. As you age and gain more driving experience, your premiums typically decrease, reflecting a lower risk for insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $12,821 | $18,866 | $22,080 |
| 18 | $12,006 | $17,603 | $20,554 |
| 19 | $10,605 | $15,474 | $18,161 |
| 20 | $9,192 | $13,501 | $15,817 |
| 21 | $7,726 | $11,302 | $13,257 |
| 22 | $7,560 | $11,036 | $12,895 |
| 23 | $6,565 | $9,705 | $11,299 |
| 24 | $6,282 | $9,183 | $10,780 |
| 25 | $5,441 | $7,906 | $9,256 |
| 30 | $4,195 | $6,196 | $7,241 |
| 35 | $3,986 | $5,801 | $6,721 |
| 40 | $3,758 | $5,535 | $6,475 |
| 45 | $3,712 | $5,425 | $6,305 |
| 55 | $3,367 | $4,992 | $5,831 |
| 65 | $3,492 | $5,190 | $6,019 |
| 75 | $4,421 | $6,518 | $7,677 |
Audi S5 Car Insurance Rates By State
Your location significantly influences how insurance companies determine your rates. Each state has its own regulations for auto insurance, and some, like Michigan, require higher coverage levels, leading to higher premiums. Local climate conditions also play a role, with areas prone to extreme weather, such as hurricanes or flooding, having higher insurance rates. Additionally, factors like crime rates, auto accidents, thefts, and vehicle fatality statistics in your area can impact your insurance cost. Insurers take all of these elements into account when calculating your Audi S5 insurance premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,982 | $5,866 | $7,395 |
| Alaska | $3,362 | $4,559 | $4,496 |
| Arizona | $3,796 | $5,430 | $8,014 |
| Arkansas | $4,142 | $6,439 | $7,162 |
| California | $4,607 | $8,133 | $4,628 |
| Colorado | $4,244 | $5,994 | $7,597 |
| Connecticut | $5,419 | $8,462 | $10,793 |
| Delaware | $4,491 | $6,043 | $7,750 |
| Florida | $5,393 | $7,428 | $9,658 |
| Georgia | $4,354 | $6,524 | $6,636 |
| Hawaii | $1,742 | $2,408 | $1,742 |
| Idaho | $2,998 | $3,992 | $4,861 |
| Illinois | $3,160 | $4,839 | $5,485 |
| Indiana | $3,301 | $4,968 | $5,581 |
| Iowa | $2,592 | $3,544 | $4,212 |
| Kansas | $3,421 | $5,002 | $5,882 |
| Kentucky | $4,971 | $7,328 | $8,611 |
| Louisiana | $6,387 | $9,653 | $10,454 |
| Maine | $2,433 | $3,379 | $4,993 |
| Maryland | $3,912 | $5,679 | $6,291 |
| Massachusetts | $3,182 | $5,515 | $3,159 |
| Michigan | $7,572 | $11,564 | $18,268 |
| Minnesota | $3,160 | $4,151 | $5,843 |
| Mississippi | $3,788 | $5,426 | $5,402 |
| Missouri | $3,595 | $5,053 | $6,651 |
| Montana | $3,586 | $4,999 | $5,870 |
| Nebraska | $3,046 | $4,561 | $4,956 |
| Nevada | $5,064 | $7,424 | $7,930 |
| New Hampshire | $3,501 | $5,498 | $7,037 |
| New Jersey | $3,833 | $6,030 | $7,946 |
| New Mexico | $3,965 | $5,832 | $6,042 |
| New York | $3,610 | $4,601 | $7,685 |
| North Carolina | $2,233 | $3,865 | $2,781 |
| North Dakota | $3,104 | $4,696 | $5,553 |
| Ohio | $2,752 | $4,256 | $4,398 |
| Oklahoma | $4,364 | $6,327 | $7,100 |
| Oregon | $4,001 | $5,340 | $6,411 |
| Pennsylvania | $3,384 | $4,935 | $5,801 |
| Rhode Island | $5,618 | $8,288 | $9,294 |
| South Carolina | $3,786 | $5,335 | $7,283 |
| South Dakota | $3,477 | $4,982 | $5,723 |
| Tennessee | $4,094 | $5,969 | $7,915 |
| Texas | $4,087 | $5,910 | $7,285 |
| Utah | $3,488 | $4,809 | $6,692 |
| Vermont | $2,642 | $4,105 | $4,296 |
| Virginia | $2,548 | $3,807 | $3,787 |
| Washington | $3,292 | $4,470 | $5,373 |
| West Virginia | $3,384 | $4,824 | $6,002 |
| Wisconsin | $3,314 | $5,176 | $5,936 |
| Wyoming | $3,083 | $4,369 | $4,663 |
Find Affordable Audi S5 Insurance Rates
Cheapest Car Insurance Companies For An Audi S5
The 2025 Audi S5, being a high-performance luxury sedan, generally incurs higher insurance premiums compared to standard vehicles. The estimated annual premiums listed above range from approximately $2,100 to $2,500, translating to monthly payments between $175 and $208. These variations are influenced by each insurer’s underwriting criteria, available discounts, and the driver’s individual profile.
For instance, Erie offers some of the most competitive rates, especially for drivers with clean records. On the other hand, providers like Travelers may have higher premiums but could offer additional benefits or coverage options that justify the cost.
It’s essential to note that these figures are estimates and can vary based on numerous factors, including your location, driving history, credit score, and chosen coverage levels. Therefore, it’s advisable to obtain personalized quotes from multiple insurers to determine the most cost-effective and suitable coverage for your specific needs.
| Company | Average Monthly Rate |
| Erie | $175 |
| Nationwide | $183 |
| USAA | $192 |
| State Farm | $200 |
| Travelers | $108 |
Common Audi S5 Insurance Discounts
Discounts can significantly reduce your car insurance costs. While each insurance provider may offer different discounts, some common ones to check for include:
- Multi-policy: Bundling your auto and home insurance with one provider can often earn you a discount.
- Pay annually: Paying your premium in one lump sum rather than monthly installments may make you eligible for a lower rate.
- Defensive driving: Completing a certified defensive driving course can help you qualify for discounts.
There may be other discounts available to you, so it’s a good idea to speak with your insurance agent to explore all the options you can take advantage of.
Ways To Save On Audi S5 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to reduce your Audi S5 insurance costs. Violations like speeding tickets or accidents can increase your premiums. Drivers with a ticket on their record can expect to pay around $113 per month, while those with multiple accidents may see their premiums rise to about $128 per month. To keep costs down, avoiding these incidents is key.
Additionally, your annual mileage plays a role in your insurance rate. Drivers with lower annual mileage are considered less risky since they spend less time on the road, reducing the chance of accidents. Drivers covering 5,000-7,500 miles annually can expect to pay around $98 per month, while those who exceed 10,000 miles per year will pay the same amount, $98 per month, but frequent driving may impact the overall rate depending on other factors.
Compare Audi S5 To Other Audi Models
Looking for other Audi model insurance costs?
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Our Methodology
To determine average car insurance costs, Insuranceopedia gathered data from thousands of quotes provided by top auto insurance companies. The typical profile used for this calculation was a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, these figures are averages and may not reflect your personal insurance costs.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase An Audi S5?
Yes, you will need to provide proof of insurance before driving your Audi S5 off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company that you’re about to buy the car. This way, you can ensure you’re covered immediately, rather than relying on insurance provided through the dealership.
How Can You Get The Cheapest Insurance For Your Audi S5?
The most effective way to find the lowest rates for your Audi S5 is by comparing quotes from various auto insurance companies. Luckily, Insuranceopedia offers a convenient platform where you can compare quotes from multiple providers, making it easier to find the best deal for your needs.
