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Audi Q5 insurance rates

Find out the average Audi Q5 insurance cost in Canada, and what factors contribute to it.


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How much does Audi Q5 insurance cost?

On average, the monthly cost to insure an Audi Q5 is $366, for a total of $4,032 per year. A 2020 Audi Q5 starts at a base price of $46,550, making it one of the most cost-effective luxury cars to insure, even compared to models from Mercedes-Benz or BMW. However, the average insurance cost is higher than the average of any one province or territory. For example, the average cost of auto insurance in Ontario is $1,505, compared to New Brunswick’s much more modest average of $867.

Compare free Audi Q5 insurance quotes online

1 - 4 of 4
Name Product Accident Forgiveness Min. Liability Coverage Discounts Available Online Claims Available Provinces
Surex Auto Insurance
Up to 25%
Alberta, New Brunswick, Northwest Territories, Nova Scotia, Nunavut, Ontario, PEI, Yukon
Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor.

Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.
Onlia Car Insurance
Over $500*
Get premium auto insurance coverage with Onlia. Save money on your auto insurance through safe driving discounts and bundling insurance options.

Who it might be good for: Drivers in Ontario looking to save on insurance costs by driving safely.
Aviva Car Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex.

Who it might be good for: Drivers looking to customize their auto policy.
Travelers Car Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex.

Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.

Compare Audi Q5 insurance rates to other Audi models

Model Monthly insurance rate Base car price
A3 $304 $34,500
A4 $352 $43,100
E-Tron $317 $85,600
A5 $339 $50,700
A6 $362 $63,200
A7 $348 $79,500
A8 $343 $99,900
Q3 $307 $37,250
Q5 $336 $46,550
Q7 $340 $67,950
Q8 $343 $82,550
R8 $406 $167,800
RS7 $426 $126,400
RS3 $336 $65,600
RS5 $339 $86,550
S3 $351 $48,400
S5 $350 $64,800
S6 $408 $92,500
S7 $384 $101,800
S8 $421 $153,200
SQ5 $348 $66,750
SQ8 $356 $111,100
TT $359 $57,800
TTS $364 $68,950

How to compare Audi Q5 insurance

Shopping for auto insurance can be frustrating; it’s no fun to buy something you hope to never use. With that being said, it’s mandatory across Canada and can save you time and money in the event of an accident, so the peace of mind alone is well worth the price tag. Every driver and vehicle are different, making it essential that you find coverage that fits your situation. In order to find the right policy, there are a few major elements you should consider when shopping around. Here’s what to look for when shopping for coverage for the Audi Q5.

  • Price. Although price is important, it’s best used a tool to compare similar policy options rather than your deciding factor.
  • Deductible. Choose a deductible that suits your budget and situation. Higher deductibles may cost more up front but can make for lower monthly premiums. Similarly, a lower deductible costs less if you file a claim, but could cost you more in monthly premiums
  • Minimum coverage. Every province and territory requires drivers to have car insurance. Make sure your provincial or territorial minimums are met before choosing a policy.
  • Additional coverage. Personal injury protection and uninsured motorist coverage are just two of the many available types of extended coverage. Be sure to choose a provider that offers the additional coverage you need.
  • Extras. Accident forgiveness, roadside assistance and no-deductible glass repair are all extras that may be available on your policy. If extra features are important to you, be sure to speak with your provider to find out what’s available.
  • Restrictions. Some policies may have restrictions on ridesharing, traveling out of the country, or other limitations. Be aware of any restrictions to avoid gaps in coverage or bring denied claims.
  • Manufacturer offer or loyalty discount. Some manufacturers have partnerships with insurance providers to provide special offers or discounts. Speak with your Audi dealer to find out if any offers are available.
  • Warranty. Find out what coverage is offered through your manufacturer warranty to avoid paying for extra coverage you don’t need

What factors affect Audi Q5 insurance rates?

Providers calculate your premiums based on a number of factors associated with your risk of getting into an accident, filing a claim and the cost of paying out claims. This is why your location, driving history and many other variables directly affect the rate you’ll pay for auto insurance. However, while these personal factors all make an impact, your vehicle itself plays a large role in the price of auto insurance. Here’s how the Audi Q5 compares to other vehicles and how its characteristics may affect your premiums.

  • Body type. The Q5 is a crossover SUV, a body type that holds up well in the event of an accident. This may lead to lower insurance premiums compared to sedans or sports cars.
  • Type of car. Audi has a reputation for making luxury vehicles and the Q5 is no exception. Its classification as a luxury vehicle could make for higher rates.
  • Theft. SUVs and crossovers are stolen far less than sedans, which may be part of the reason why premiums are generally lower.
  • Repairs. Repairing the Q5 shouldn’t be much more expensive than other SUVs in its class. Parts and repair shops are easy to get a hold of, which may lead to more affordable auto insurance.
  • Safety ratings. Like many other Audi vehicles, the Q5 has great safety ratings, which could help reduce to cost of your premiums.

How do trim packages and extra build options affect insurance cost?

As you know, the vehicle you drive greatly affects the price you pay for auto insurance. Providers calculate your premiums based on a number of vehicle-specific factors including power, intended use, safety features and more. However, most new vehicles are configured to suit the driver’s needs, meaning that some options could alter its performance. Depending on the trims and packages on your Audi Q5, your provider may need to adjust your rates to accurately reflect its features. Based on the standard “Komfort” package, here’s how various trims, packages and options might affect your insurance premiums.


  • Progressiv. The Progressiv package adds front and rear parking sensors, high beam assist and more. The increased visibility could prevent accidents and therefore reduce your insurance rates.
  • Technik. This package adds all features in the Progressiv package, along with rear cross traffic alert, exit warning system and a number of other features. The improvement in visibility and security could lead to reduced premiums.

Packages and options

  • S Line Sport Package. Other than the all-season tires, most features in this package are aesthetic. Since the performance isn’t affected very much, it’s unlikely that this package will impact your premiums very much.
  • Advanced Driver Assistance Package. This package adds adaptive cruise control, lane assist, traffic assist, and more. The increase in safety could help reduce insurance rates.
  • S Line Black Package. Since this package includes mostly aesthetic features, it likely won’t impact the cost of car insurance.
  • Comfort Seating Package. Because this package only alters the seats and not the performance, it’s unlikely to impact your insurance rates too much.
  • Carbon Package. This package adds carbon fibre mirror caps, carbon fiber side sill extensions and a carbon fiber grille insert to your car. These extras don’t have a large affect on your car’s performance, so they likely won’t impact your premiums.

Audi Q5 money-saving safety features

You could save money on car insurance for your Audi Q5 if it comes equipped with these safety features.

  • Airbags
  • Daytime running lights
  • Anti-lock brakes
  • Anti-theft device
  • Surround camera system
  • Parking sensors
  • Rear back-up sensors
  • LED fog lights
  • Electronic stability control
  • Seatbelt pretensioners

Does the Audi Q5 qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that could apply to the Audi Q5:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

How reliable is the Audi Q5?

The Audi Q5 has been in production since 2008. The 2018 Audi Q5 is ranked as the best luxury compact SUV by the U.S. News & World Report. The newest model is redesigned with a new base engine, driver assistance features and a new entertainment system.

J.D. Power has given the 2020 Audi Q5 72/100 consumer rating. The 2019 was #6 in the Top Ten Consumer Rated SUV, while the 2018 model won the award for Best Luxury Compact SUV for Families.

There have been a number of recalls on the Q5 that have affected both the first and second generations. Here are just a few of the more recent recalls:

  • 2019: An issue with the cover trim for the wheel arches could have caused it to become loose, leading to the trim possibly detaching from the vehicle.
  • 2018: An issue in the braking system may have allowed for gas bubbles to form in the braking fluid, which would reduce the brake’s performance.
  • 2013-2017: The electric coolant pump on certain in some 2.0L TFSI engines may have short circuited, potentially causing a fire.

The first generation of the Audi Q5 had significantly more problems than the second. In particular, 2016, 2017 and 2018 models have almost no common problems, whereas 2011, 2012 and 2013 model years are especially problematic. Engine issues, excessive oil consumption and locked up steering are just a few of the many reported issues with these models, with some problems arising at low mileage. While the 2012 model has the most complaints, 2014 may be considered the worst model year due to the cost of repairs and problems at low mileage.

How safe is the Audi Q5?

While the 2017 Audi Q5 model was awarded the IIHS 2017 Top Safety Pick for midsize luxury SUVs, the 2020 model holds near perfect ratings in almost all categories, including a superior rating for its front crash prevention system. Additionally, the NHTSA gives it an overall 5/5 star rating for garnering 5 stars in every crash test, except the rollover test where it received 4/5 stars.

Audi Q5 maintenance

The Q5, like many other Audi vehicles, was designed with comfort and convenience in mind. The first generation Audi Q5 was initially released in 2009 and was produced until 2016. It received a facelift in 2012 and a major overhaul in 2016, which marked the beginning of the second generation. The 2018 model was rated the best luxury compact SUV for families, due in part to its reliability and low-maintenance design. With that being said, every vehicle requires routine maintenance to ensure it remains efficient and reliable. Here’s what to expect in terms of oil changes, mileage and required maintenance on the Audi Q5.

  • Audi provides your first scheduled maintenance free of charge, which occurs at 1 year or 15,000 kilometres. After that, follow the maintenance schedule outlined in your owners manual.
  • The 2020 Audi Q5 Coupe gets an average of 9.7 litres per 100 kilometres, with 10.7 in the city and 8.4 on the highway.
  • The 2020 Audi Q5 TFSI e gets an average of 8.9 litres per 100 kilometres, with 9.5 in the city and 8.1 on the highway. The electrical consumption of this hybrid is 32.2 kWh/100 km, for a combined electric consumption of 3.6 Le/100km.
  • Audi encourages owners to bring their Q5 to a dealer for service, but generally won’t void your warranty if you bring it elsewhere.
  • The 2020 Audi Q5 comes with a 4-year/80,000-km warranty and 24-hour roadside assistance.

Is an extended warranty worth it for the Audi Q5?

The Audi Q5 comes with a 4-year or 80-000 kilometre warranty, but you may want to consider extending your coverage after it expires. This is available in the form of the Audi Certified Plus Limited Warranty, which is available after the new vehicle warranty expires. If purchased, the Audi Certified :plus Limited Warranty becomes effective and provides coverage for 5 years or up to 100,000 km. The extended warranty might be worth considering if you drive your vehicle very frequently or plan on selling it in the future.

Bottom line

The Audi Q5 is an incredible family vehicle that comes standard with a variety of safety and driver assistance features. Its design, safety ratings and available options make it one of the best vehicles in its class. Insurance is a little on the pricey side, but with the right build options and provider, you may be eligible for auto insurance discounts. However, the best way to save on auto insurance for the Q5 is to thoroughly compare your options to find a policy that suits your situation.

Frequently asked questions about Audi Q5 insurance

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