How much is insurance on an Audi Q5?

A 2024 Audi Q5 runs about $2,590 a year for a typical 45-year-old, $650 more than an average car of the same age: higher crash-repair losses and higher non-crash losses outweigh fewer injury claims and less damage to others' property. Putting a new 16-year-old on a family policy with the Q5 adds about $1,710 a year (#7 of 9 midsize luxury SUVs we compare).

2024 Audi Q5 (Q5 quattro), national average

about $2,590 a year (about $215 a month)

Estimated range: $1,750–$3,750. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Q5 drops to about $2,060 (see the table below).

A Audi Q5 from the 2018–2025 generation. Photo: OWS Photography, CC BY 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Q5 quattro, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Audi Q5's rank is the same in every state.

Why the Audi Q5 costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 2 versions (Audi Q5 4dr 4WD and Audi Q5 sportback 4dr 4WD). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 116 for crash repairs, 112 for non-crash damage, 82 for damage to others' property, and 66 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage16% worse than average7th best of the 9 midsize luxury SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage12% worse than average8th best of the 9 midsize luxury SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage18% better than average6th best of the 9 midsize luxury SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 34% less often than average4th best of the 7 midsize luxury SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Audi Q5 comes out about 14% worse than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add an adjustment fitted to those prices. With it, the part of the bill that fixes the car is about 83% more than average: about $1,740 a year vs $950. On the liability side, damage to others and injury claims combine to about 27% better than average. We count about half, so that part is about 14% less: $850 a year vs $990.

How the math works

By EPA size class the Audi Q5 is a small SUV with a hybrid powertrain, and HLDI tracks the Q5 alongside midsize luxury SUVs.

HLDI's loss data has no separate figures for this hybrid, so we used the gas version's.
Expensive and electric cars can cost more or less to insure than their repair records suggest.

Matched to HLDI series “Audi Q5 4dr 4WD; Audi Q5 sportback 4dr 4WD” (HLDI, 2022–24 models).

A used Audi Q5, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Q5 quattro (0–3 years old)	about $2,590	about $850	+$1,710	about $7,430
2022 Q5 quattro (4–7 years old)	about $2,380	about $850	+$1,570	about $6,830
2018 Q5 (8–12 years old)	about $2,110	about $790	+$1,390	about $6,060
2013 Q5 (13 or more years old)	about $2,060	about $920	+$1,360	about $5,910

Our catalog covers the Audi Q5 across model years 2009–2027. Full coverage on a used 2013 Q5 (13 or more years old) runs about $2,060 a year, $530 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $920 a year. Each photo shows that year's generation of the car. Photo credits.

All 3 versions of the 2024 Audi Q5 in our catalog (Q5 quattro, Q5 S line quattro and Q5 Sportback S line quattro) price within about $50 a year of each other.

On a policy of their own with a 2024 Audi Q5, a 22–25-year-old pays about $3,370 a year ($780 more than a 45-year-old), a 26–39-year-old about $2,870, and a driver 65 and older about $2,720.

Adding a 16-year-old with an Audi Q5

A new driver costs more with any car, and more than usual with the Audi Q5: adding a 16-year-old raises the family bill by about $1,710 a year ($145 a month), $430 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $7,430 a year ($5,720 more than adding them to the family policy).

For adding a teen driver, the Audi Q5 ranks 8th most expensive out of all 121 models we track. Stepping down to a used 2013 Q5 (13 or more years old) brings the teen add-on to about $1,360 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize luxury SUVs

Among these 9 midsize luxury SUVs, the Audi Q5 is the 3rd most expensive to insure. Right next to it are the BMW X3 (about $2,570 a year) and the Tesla Model Y (about $2,690).

Photos from Wikimedia Commons contributors. Photo credits.

What an Audi Q5 costs in your state

In six sample states, a 2024 Audi Q5 runs from about $1,730 a year in North Dakota through New Hampshire, Tennessee, Pennsylvania and Delaware to about $3,110 in Texas:

North Dakotaabout $1,730/yr · +$1,140 teen
New Hampshireabout $1,860/yr · +$1,230 teen
Tennesseeabout $2,180/yr · +$1,440 teen
Pennsylvaniaabout $2,290/yr · +$1,510 teen
Delawareabout $2,820/yr · +$1,860 teen
Texasabout $3,110/yr · +$2,050 teen

All 50 states and DC · Updated November 5, 2026.

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