How much does insurance cost for a 2024 Audi Q5?

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When most people shop for a car, the focus is usually on the sticker price, gas mileage, or features. But insurance is a big part of the total cost of ownership – and it can vary a lot.

Full coverage – liability, collision, and comprehensive – costs $2,785 per year ($232 per month) with 100/300/100 limits and $500 deductibles.

2024 Audi Q5 insurance premiums by state

Where you live plays a huge role in what you’ll pay. ZIP codes can matter just as much as your driving history. That’s why insuring a Q5 in California might be far more expensive – or cheaper – than in Florida.

Here’s a look at the cheapest and most expensive states for 2024 Audi Q5 insurance.

Cheapest states to insure a 2024 Audi Q5

Hawaii has the lowest average premium for 2024 Audi Q5 drivers at $1,593 per year ($133 per month). Other affordable states include Idaho, Maine, Ohio, and New York.

The table below shows the cheapest states to insure a 2024 Audi Q5.

State name	Average annual premium
Hawaii	$1,593
Idaho	$1,870
Maine	$2,007
Ohio	$2,065
New York	$2,091

Most expensive states to insure a 2024 Audi Q5

On the flip side, Louisiana is the most expensive state, with an average annual premium of $4,473. It’s followed by Texas ($4,058 a year) and Kentucky ($3,602 a year).

The table below shows which states have the most expensive 2024 Audi Q5 insurance rates.

State name	Average annual premium
Louisiana	$4,473
Texas	$4,058
Kentucky	$3,602
Michigan	$3,509
Colorado	$3,500

Breaking down 2024 Audi Q5 insurance cost by trim level

Insurance costs don’t just depend on the make and model of your car – the trim level you choose can also affect your premium. Higher trims often come with bigger price tags, more powerful engines, or advanced tech features, all of which can raise the cost of coverage.

Below, you’ll see how car insurance rates for the 2024 Audi Q5 compare across trim levels.

Trim	Average annual premium
Q5 E Quattro Premium Plus S-Line	$2,872
Q5 E Quattro Premium S-Line	$2,855
Q5 E Quattro Prestige S-Line	$3,018
Q5 Quattro Premium	$2,571
Q5 Quattro Premium Plus	$2,656
Q5 Quattro Premium Plus S-Line	$2,762
Q5 Quattro Premium S-Line	$2,718
Q5 Quattro Prestige	$2,886
Q5 Quattro Prestige S-Line	$2,849
Q5 Sportback Quattro Premium Plus S-line	$2,820
Q5 Sportback Quattro Premium S-line	$2,808
Q5 Sportback Quattro Prestige S-Line	$2,849

Factors that influence 2024 Audi Q5 insurance premiums

Premiums for a 2024 Audi Q5 aren’t one-size-fits-all. They change based on the car itself, who’s driving it, and the policy you choose. Here are some of the main factors.

Vehicle-related factors

Vehicle value. Newer or higher-priced models are more expensive to insure.
Repair costs. Cars with above-average parts or repair expenses carry higher premiums.
Safety ratings. Good crash-test scores and advanced safety features can lower costs.
Theft risk. If a model is frequently stolen, insurers raise the price to cover the risk.

Driver-related factors

Age and gender. Younger, less experienced drivers usually pay more.
Location. Urban drivers see higher rates than those in rural areas.
Driving history. Clean records help lower premiums, while tickets and accidents raise them.
Annual mileage. The more miles you drive, the greater the risk – and the higher the cost.

Policy-related factors

Coverage level. Full coverage policies cost more but offer broader protection.
Deductible amount. Higher deductibles reduce premiums but mean higher out-of-pocket costs after a claim.
Optional add-ons. Things like roadside assistance, gap insurance, or rental reimbursement add convenience but also add to the bill.

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Cheapest insurance companies for a 2024 Audi Q5

Nationwide offers the lowest average premium for a 2024 Audi Q5 at $2,033 per year. Other companies with competitive rates include State Farm, GEICO, and Progressive.

The table below shows the companies with the most affordable 2024 Audi Q5 insurance rates.

Company group	Average annual premium
Nationwide	$2,033
State Farm	$2,160
GEICO	$2,481
Progressive	$2,578
Farmers	$3,617
Allstate	$3,934

How to lower 2024 Audi Q5 insurance premiums

Here are some ways to lower your auto insurance rates.

Shop around for quotes. Compare rates from multiple insurers, since each company evaluates risk differently.
Adjust your coverage. If your vehicle is older or you don’t drive often, you may save by lowering your limits or dropping extras you don’t need.
Raise your deductible. A higher deductible means paying more out of pocket after a claim, but it usually lowers your monthly premium.
Take advantage of discounts. Look for savings tied to safe driving, bundling home and auto, low mileage, or built-in safety features.
Keep a clean driving record. Avoiding accidents and tickets is one of the most reliable ways to keep premiums low.
Consider usage-based insurance. Some insurers offer telematics programs that track driving habits and reward safe drivers with discounts.

Q5 insurance premiums by model year

Insurance rates for the Q5 change depending on the model year. In most cases, newer vehicles cost more to insure because they carry a higher market value and advanced technology that makes repairs more expensive. Rising labor and repair costs over the years have also pushed premiums higher across the board.

Below, you can compare average insurance premiums for the 2024 Audi Q5 by model year.

Model year	Average annual premium
2014	$2,001
2015	$2,074
2016	$2,191
2017	$2,204
2018	$2,216
2019	$2,309
2020	$2,533
2021	$2,593
2022	$2,710
2023	$2,793
2024	$2,785

How expensive is it to insure a 2024 Audi Q5?

It costs an average of $2,785 per year to insure a 2024 Audi Q5, which is $122 more than the national average of $2,663.

Insurance premiums are influenced by many factors, including the vehicle’s make and model. The best way to find savings is to compare quotes from several insurers, ensuring you get coverage that balances affordability with solid protection for a 2024 Audi Q5.

Methodology

Insure.com commissioned Quadrant Information Services to get insurance rates for new and used vehicles. The rates are based on a sample profile of a 40-year-old male driver with a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles. We’ve compared 1,661 makes and models and 67,566,780 insurance quotes from 57 companies across 510 ZIP codes. The rates are for insurance purposes only; your exact rates may vary.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

2024 Audi Q5 insurance premiums by state
Breaking down 2024 Audi Q5 insurance cost by trim level
Factors that influence 2024 Audi Q5 insurance premiums
Cheapest insurance companies for a 2024 Audi Q5
How to lower 2024 Audi Q5 insurance premiums
Q5 insurance premiums by model year
How expensive is it to insure a 2024 Audi Q5?
Methodology