Cheap Audi S5 Car Insurance in 2024 (Cash Savings With These 10 Providers!)
Discover cheap Audi S5 car insurance with State Farm, Safeco, and Nationwide as the industry leaders. State Farm stands out as the best overall pick, with rates as low as $83 per month. Get competitive rates and comprehensive coverage options to save on your premiums.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
17,760 reviewsCompany Facts
Min. Coverage for Audi S5
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
1,173 reviewsCompany Facts
Min. Coverage for Audi S5
A.M. Best Rating
Complaint Level
Pros & Cons
1,173 reviews
3,019 reviewsCompany Facts
Min. Coverage for Audi S5
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviewsCompare cheap Audi S5 car insurance rates with the top three providers: State Farm, Safeco, and Nationwide. State Farm emerges as the top pick overall with competitive monthly rates. Factors such as comprehensive coverage options, excellent customer service, and high customer satisfaction contribute to their leading position.
State Farm is known for its reliability and financial stability, making it a trusted choice for Audi S5 owners.
Our Top 10 Company Picks: Cheap Audi S5 Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $83 B Personalized Service State Farm
#2 $85 A Affordable Rates Safeco
#3 $87 A+ Safe-Driving Discounts Nationwide
#4 $89 A Comprehensive Coverage American Family
#5 $90 A++ Safe-Driving Discounts Travelers
#6 $91 A+ Competitive Rates Progressive
#7 $93 A Customizable Coverage Liberty Mutual
#8 $94 A Competitive Rates MetLife
#9 $95 A Personalized Policies Farmers
#10 $96 A+ Comprehensive Coverage Allstate
Explore the article to find out how these factors can help you save on your Audi S5 insurance premiums and get the coverage you need. Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool above to instantly compare quotes near you.
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#1 – State Farm: Top Overall Pick
Pros
- Strong Network of Local Agents: As outlined in our State Farm insurance review & ratings, they have access to personalized service from numerous local agents.
- Excellent Customer Service: High levels of customer satisfaction and reliable support.
- Comprehensive Coverage Options: Wide variety of policy options to meet different needs.
Cons
- Rates can be Higher Than Average: Premiums may be more expensive compared to other insurers.
- Discounts Vary by State: Availability of discounts depends on your location.
#2 – Safeco: Best for Affordable Rates
Pros
- Affordable Rates: Offers competitive pricing at $85. (Read more: How do I add or remove drivers from my Safeco car insurance policy?)
- Comprehensive Coverage: Provides a variety of coverage options and customizable plans.
- Discounts: Offers various discounts, including those for bundling policies.
Cons
- Mixed Customer Service Reviews: Customer service reviews can be mixed, with some policyholders reporting challenges in claims processing.
- Higher Rates for High-Risk Drivers: Rates may be higher for drivers with less-than-perfect driving records.
#3 – Nationwide: Best for Safe-Driving Discounts
Pros
- Strong Financial Stability: Nationwide is financially stable and reliable.
- Variety of Discounts: Offers multiple discounts, including for safe driving and bundling policies.
- Customer Service: As outlined in our Nationwide insurance review & ratings, they have generally positive reviews for customer service and support.
Cons
- Price: Slightly higher premium compared to some other companies.
- Limited Availability: Not available in all regions, which can be restrictive.
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#4 – American Family: Best for Comprehensive Coverage
Pros
- Customer Satisfaction: High ratings for customer satisfaction and personalized service.
- Discounts: Offers numerous discounts, making it possible to lower the premium.
- Comprehensive Coverage: Wide range of coverage options to choose from. More information is available about this provider in our American Family insurance review & ratings.
Cons
- Cost: It’s more expensive than some other options.
- Regional Limitations: Coverage and availability may vary significantly by region.
#5 – Travelers: Best for Safe-Driving Discounts
Pros
- Financial Strength: Strong financial stability and reliability.
- Coverage Options: Extensive coverage options and customizable policies.
- Discounts: Offers a variety of discounts for policyholders. Unlock details in our Travelers insurance review & ratings.
Cons
- Higher Premium: It is on the higher side of the price spectrum.
- Customer Service: Mixed reviews regarding customer service and claims handling.
#6 – Progressive: Best for Competitive Rates
Pros
- Innovative Tools: Known for its Snapshot program and other innovative tools. More details of their program in our Progressive car insurance review & ratings.
- Discounts: Offers many discount opportunities, including for bundling and safe driving.
- Comprehensive Coverage: A wide range of coverage options and add-ons.
Cons
- Customer Service: Some reports of less personalized customer service.
- Premium Fluctuations: Premiums may increase upon renewal based on claims and market conditions.
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#7 – Liberty Mutual: Best for Customizable Coverage
Pros
- Customizable Policies: Offers highly customizable policies to fit individual needs.
- Discounts: Provides various discounts, including for bundling and safe driving.
- Financial Stability: Well-known for its financial strength and stability.
Cons
- High Premium: Higher cost at $93. Access comprehensive insights into their prices in our Liberty Mutual car insurance review & ratings.
- Complex Policy Options: The variety of choices can be overwhelming for some customers.
#8 – MetLife: Best for Competitive Rates
Pros
- Coverage Options: As mentioned in our MetLife Insurance review & ratings they offer a variety of coverage options and customizable policies.
- Reputation: Strong brand reputation and reliability.
- Discounts: Offers a variety of discounts, especially for safe driving and multi-policy holders.
Cons
- Higher Rates: Rates may be higher compared to other insurers, especially for certain demographics.
- Claims Process: Some complaints about the claims process being cumbersome.
#9 – Farmers: Best for Personalized Policies
Pros
- Customer Service: Generally high ratings for customer service and agent support.
- Coverage Options: Wide range of coverage options available.
- Discounts: Various discounts available, including for safe driving and bundling. (Read more: Farmers Insurance Review & Ratings)
Cons
- Higher Premiums: Farmers tends to have higher premiums compared to some competitors, which might be a drawback for cost-conscious customers.
- Limited Availability: Farmers Insurance is not available in all states, which can limit access for potential customers depending on their location.
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#10 – Allstate: Best for Comprehensive Coverage
Pros
- Financial Strength: Strong financial stability and reliable payouts.
- Coverage Options: Comprehensive coverage options and customizable policies.
- Discounts Available: Provides a range of discounts. Check out Allstate insurance review & ratings to know what are the discounts available for you.
Cons
- Highest Premium: The highest premium among the listed companies at $96.
- Customer Service: Mixed reviews on customer service and claims handling.
Factors That Influence Audi S5 Car Insurance Rates
When determining the cost of Audi S5 car insurance, there are several factors that insurance providers take into consideration. Here are some key factors that can influence your Audi S5 car insurance rates:
- Driving Record: Your driving record is one of the most significant factors considered by insurance providers. If you have a history of accidents or traffic violations, it can result in higher insurance rates for your Audi S5. On the other hand, if you have a clean driving record, you may be eligible for lower premiums.
- Age and Model Year: The age and model year of your Audi S5 also impact your insurance costs. Newer models tend to have higher insurance rates due to their higher market value. Additionally, younger drivers typically face higher insurance premiums, as they are statistically more likely to be involved in accidents.
- Location: Your location plays a significant role in determining your Audi S5 car insurance prices. Areas with higher rates of accidents, thefts, and vandalism generally result in higher insurance premiums. Urban areas may have higher insurance costs compared to rural areas.
- Deductible: The deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. Generally, a higher deductible can lead to lower insurance premiums, as you are taking on more risk. However, it is crucial to choose a deductible that you can afford to pay in the event of an accident.
- Credit Score: Surprisingly, your credit score can impact your Audi S5 car insurance premiums. Insurance providers often use credit-based insurance scores, which are based on your credit history, to determine rates. Maintaining a good credit score can help you secure lower insurance costs.
- Safety Features: The safety features installed in your Audi S5 can also affect your car insurance rates. Insurance providers often offer discounts for vehicles equipped with advanced safety features such as anti-lock brakes, airbags, traction control, and electronic stability control. These features can reduce the risk of accidents and injuries, resulting in lower insurance premiums.
These factors play a crucial role in determining the premium you will pay for your Audi S5 insurance coverage.
Understanding the Different Types of Car Insurance Coverage for Audi S5
Understanding the different types of car insurance coverage for your Audi S5 is crucial for selecting the appropriate protection based on your needs and budget. The main types of car insurance coverage available include liability coverage, which is mandatory in most states and covers bodily injury and property damage if you’re at fault in an accident, but does not cover damage to your own Audi S5.
Collision coverage protects against damage caused by collisions with other vehicles, objects, or rollovers, covering repair or replacement costs minus the deductible. Comprehensive coverage provides protection against non-collision risks like theft, vandalism, fire, or natural disasters, also covering repair or replacement costs minus the deductible.
Uninsured/underinsured motorist coverage protects against accidents with uninsured or underinsured drivers, covering medical expenses and Audi S5 damages. Personal injury protection (PIP) pays for medical expenses, lost wages, and related costs for you and passengers regardless of fault, important in no-fault insurance states.
Gap insurance covers the difference between your vehicle’s actual cash value and the loan or lease amount in a total loss, especially useful if you have a loan or lease. Lastly, rental car reimbursement coverage helps with rental car costs while your Audi S5 is repaired after an accident, ensuring you have transportation during this time.
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Average Cost of Comprehensive Insurance for Audi S5
The cost of comprehensive insurance for your Audi S5 can vary depending on several factors. On average, comprehensive coverage for an Audi S5 can range from $500 to $1,500 per year. However, it’s important to note that this is just an estimate, and your actual premium may be higher or lower based on the specific circumstances surrounding your Audi S5 and your insurance provider.
The cost of comprehensive insurance is influenced by factors such as the age and model year of your Audi S5, your location, your driving record, and the deductible you choose. Newer models and areas with higher rates of theft or vandalism may result in higher premiums. Additionally, having a history of accidents or traffic violations can also increase the cost of comprehensive coverage.
Here’s a comparison of monthly rates from various insurance companies for comprehensive coverage.
Audi S5 Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $96 $220
American Family $89 $195
Farmers $95 $215
Liberty Mutual $93 $210
MetLife $94 $210
Nationwide $87 $205
Progressive $91 $210
Safeco $85 $205
State Farm $83 $200
Travelers $90 $200
To get an accurate estimate for the cost of comprehensive insurance for your Audi S5, it’s best to request quotes from multiple insurance providers. By comparing quotes, you can find the coverage that suits your needs at the best possible price. Don’t forget to consider other factors such as customer service, claims process, and available discounts when choosing an insurance provider for your Audi S5.
Another factor that can affect the cost of comprehensive insurance for your Audi S5 is your annual mileage. Insurance providers may consider the number of miles you drive each year when determining your premium. Generally, the more miles you drive, the higher your premium may be. See more details in our article titled “How does the insurance company determine my premium?”.
Exploring the Variations in Collision Insurance Rates for Audi S5
Collision insurance rates for your Audi S5 can vary based on several factors. Collision coverage protects your vehicle in the event of a collision with another vehicle or object, and the cost of this coverage depends on the specific circumstances surrounding your Audi S5 and your insurance provider.
The following factors can influence the cost of collision insurance for your Audi S5:
- Age and Model Year: Newer Audi S5 models may have higher insurance rates due to their higher market value. Additionally, luxury vehicles like the Audi S5 may also come with higher repair costs, which can impact collision insurance rates.
- Deductible: The amount of deductible you choose can impact the cost of collision insurance. A higher deductible can result in lower premiums, as you are agreeing to pay a larger portion of the repair costs in the event of an accident.
- Driving Record: Your driving record plays a crucial role in determining collision insurance rates. If you have a history of at-fault accidents or traffic violations, insurance providers may consider you a higher risk driver and charge higher premiums.
- Location: Where you live can also affect collision insurance rates for your Audi S5. Areas with a high incidence of accidents or theft may result in higher insurance costs.
- Insurance Provider: Each insurance provider has its own method for determining rates. It’s important to compare car insurance quotes from different providers to find the best coverage at the most affordable price.
- Vehicle Safety Features: The presence of advanced safety features in your Audi S5 can also impact collision insurance rates. Vehicles equipped with features such as adaptive cruise control, lane departure warning, and automatic emergency braking may be eligible for discounts on collision insurance premiums.
By considering these factors and using them as a basis for comparison, you’ll be able to find the most competitive rates for collision insurance for your Audi S5.
Factors to Consider When Choosing Car Insurance for Your Audi S5
Choosing the right car insurance for your Audi S5 can be daunting due to the many options available. To make an informed decision, start by assessing your coverage needs based on your car’s value, budget, and specific risks you want protection against. This will help you determine the types and amounts of coverage that are suitable.
Next, research the reputation of insurance providers you are considering. Check customer reviews, ratings, and feedback to gauge customer satisfaction and the provider’s track record in handling claims. Also, consider the deductible amounts offered by different insurers; higher deductibles can lower premiums but ensure you can comfortably afford the deductible in case of a claim.
Inquire about available discounts and savings opportunities, such as those for anti-theft devices or safe driving records, and evaluate customer service to find a provider that is responsive and helpful. (Read more: Best Safety Features Car Insurance Discounts)
By considering these factors and getting quotes from multiple insurers, you can find the right coverage for your Audi S5 that offers the best balance between protection and affordability.
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Frequently Asked Questions
What factors affect the cost of Audi S5 car insurance?
The cost of Audi S5 car insurance can be affected by several factors, including the driver’s age, location, driving record, credit history, coverage limits, deductibles, and the insurance company’s underwriting criteria.
Are Audi S5 cars expensive to insure?
Insuring an Audi S5 can be relatively expensive compared to other cars due to its high-performance nature, expensive parts, and higher repair costs. However, insurance rates can vary depending on individual circumstances and insurance providers.
Read more: Best Insurance for Luxury Cars
Do Audi S5 car insurance rates vary by location?
Yes, insurance rates for Audi S5 cars can vary based on the location where the vehicle is primarily driven and parked. Areas with higher population densities, increased traffic congestion, and higher rates of accidents or theft may result in higher insurance premiums.
See which companies have the cheapest rates for you by entering your ZIP code in our free comparison tool below.
What are some ways to lower the cost of Audi S5 car insurance?
There are several strategies to potentially lower the cost of Audi S5 car insurance. These include maintaining a clean driving record, opting for higher deductibles, bundling car insurance with other policies, taking advantage of available discounts, installing anti-theft devices, and comparing quotes from multiple insurance companies.
Read more: Best Safe Driver Car Insurance Discounts
Can I get discounts on Audi S5 car insurance?
Yes, many insurance companies offer various discounts that can help reduce the cost of Audi S5 car insurance. These may include discounts for safe driving records, multiple policies with the same insurer, completing driver safety courses, having anti-theft devices installed, or being a member of certain professional organizations.
What safety features help lower Audi S5 insurance premiums?
Safety features such as adaptive cruise control, lane departure warning, and automatic emergency braking can potentially lower insurance premiums by reducing the likelihood of accidents. Insurance companies often offer discounts for vehicles equipped with these advanced safety technologies.
Does the age of the Audi S5 affect insurance rates?
Yes, newer Audi S5 models generally have higher insurance rates due to their higher market value and repair costs. Older models may have lower premiums, but rates can also be influenced by other factors such as the car’s condition and safety features.
Are there any special discounts available for Audi S5 insurance?
Yes, insurance companies may offer discounts for Audi S5 drivers who are members of certain professional organizations, alumni associations, or affinity groups. Discounts may also be available for safe driving habits, such as completing defensive driving courses.
Read more: Best Car Insurance Discounts to Ask for
How does my driving record impact Audi S5 insurance rates?
A clean driving record typically results in lower insurance rates for the Audi S5. Drivers with a history of accidents, traffic violations, or DUI convictions may face higher premiums due to increased risk.
Is there a difference in insurance costs between the Audi S5 coupe and convertible models?
Yes, convertible models of the Audi S5 may have higher insurance rates compared to coupe models. This is because convertibles generally have higher repair costs and are more susceptible to theft and vandalism.
Find cheap car insurance quotes by entering your ZIP code below.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
