Is an S5 expensive to insure?

What is considered expensive for one person may not be out of reach to another. The S5 costs 49 percent more more to insure than the national average, but it is still much cheaper than luxury insurance or insurance for sports cars. If Audi S5 insurance is more expensive than what you anticipated, asking about discounts and paring back unnecessary coverage can help you cut costs.

Are older cars or trucks cheaper to insure?

Older vehicles can have lower insurance costs, but this is usually because they have less coverage. Once a vehicle’s actual cash value doesn’t warrant the costs, many drivers drop their policy to liability-only coverage. However, older cars with full coverage can oftentimes still be cheaper to insure. As newer versions are released, replacement parts for older cars can decrease in price and increase in availability, which can impact insurance rates.

Is the Audi S5 high maintenance?

The S5 is considered high maintenance because it uses performance-grade parts and requires servicing from a specialized mechanic. All the luxury features that make the A5 a fun car to drive can lead to higher repair and labor costs compared to non-luxury vehicles.

Car Insurance for Audi S5

How much does it cost to insure an S5?

On average, full coverage car insurance for an Audi S5 is $3,995 per year, according to Bankrate’s analysis of Quadrant Information Services. This works out to monthly payments of $333.

When determining the cost of your premium, insurance companies evaluate the risks associated with repair costs, safety features and crash test ratings. Some of the other insurance factors influencing your insurance premiums are:

Driving history: Insurers rate policies for risk, and drivers with clean driving records usually have lower insurance rates than drivers with several accidents or moving violations.

Location: From state laws to local traffic and extreme weather, location plays a major role in your car insurance costs.

Trim level and safety features: Advanced driver assistance systems (ADAS) can help reduce the likelihood of an accident, but can also cost more to repair if damaged. Higher trim levels also come with expensive componentry and both can result in higher insurance premiums.

$3,995 Avg annual full coverage
insurance premium

$731 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $62,700

Trims available: Available in Premium, Premium Plus and Prestige

Repair costs

According to Repair Pal, the Audi S5 has an average annual repair cost of $1,164, which is well above the national average. High costs of labor and replacement parts can cause higher insurance rates.

Safety features

The S5 comes equipped with advanced driver-assistance technology like the Audi pre sense basic and pre sense city, which may reduce the chance of collisions. Optional safety features like lane-keeping assist and adaptive cruise control can help with driver awareness on the road.

Crash ratings

The Audi S5 hasn’t been fully crash-test rated. However, its design and safety features are very similar to the Audi A5, which has a 5-star safety rating by the National Highway Traffic Safety Administration (NHTSA).

Cheapest car insurance companies for an S5

After purchasing a new car, many drivers try to find the cheapest car insurance possible, which isn’t always easy for a luxury sports car. Shopping your policy with at least three insurance companies can help you gain a good understanding of where your insurance price point is. Keep in mind that while cost is important, there are other considerations to keep in mind when selecting a carrier. To help you with this process, Bankrate has gathered a list of top insurance companies that offer A6 insurance below the national average without sacrificing things like customer service and financial stability.

How much does it cost to insure my S5?

Insurance rates vary based on several factors, such as the insurer’s pricing model, your driving profile, the coverage you choose and more.

2023 S5 car insurance premium by carrier


Auto-Owners	Auto-Owners	$2,630	$2,630	- $1,365	- $1,365
Erie	Erie	$2,793	$2,793	- $1,202	- $1,202
Nationwide	Nationwide	$2,526	$2,526	- $1,469	- $1,469
USAA	USAA	$3,444	$3,444	- $551	- $551
Progressive	Progressive	$3,181	$3,181	- $814	- $814

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for an S5

Most states require drivers to carry at least the state-required minimum insurance limits. These limits offer some financial protection, but may not be enough if a severe accident were to occur. Depending on your situation, you may want to consider one of the following coverage types:

Collision coverage: This coverage pays for damage to your vehicle from a collision, regardless of fault.
Comprehensive coverage: This coverage pays for damage resulting from losses other than collision, such as theft, vandalism and sudden weather damage.
Gap insurance: If your new Audi S5is totaled in a covered claim, gap insurance may pay for the difference between the car loan and the actual cash value claim payment.

How to get an S5 car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare S5 with other similar cars

Audi S5 Coupe Avg annual full coverage premium $3,995 Read More	Lexus RC F Avg annual full coverage premium $4,609 See more models	Cadillac CT5 Avg annual full coverage premium $3,066 See more models
Price (MSRP)
$62,700	$46,815	$59,535
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
Not rated	Not rated	5 stars
Gas mileage
22 mpg combined city/highway	22 mpg combined city/highway	22 mpg combined city/highway
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially worse than average	Average	Average

Frequently asked questions

What is considered expensive for one person may not be out of reach to another. The S5 costs 49 percent more more to insure than the national average, but it is still much cheaper than luxury insurance or insurance for sports cars. If Audi S5 insurance is more expensive than what you anticipated, asking about discounts and paring back unnecessary coverage can help you cut costs.
Older vehicles can have lower insurance costs, but this is usually because they have less coverage. Once a vehicle’s actual cash value doesn’t warrant the costs, many drivers drop their policy to liability-only coverage. However, older cars with full coverage can oftentimes still be cheaper to insure. As newer versions are released, replacement parts for older cars can decrease in price and increase in availability, which can impact insurance rates.
The S5 is considered high maintenance because it uses performance-grade parts and requires servicing from a specialized mechanic. All the luxury features that make the A5 a fun car to drive can lead to higher repair and labor costs compared to non-luxury vehicles.

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.