The Audi S5 is a performance sports car that’s available as a coupe, sportback or cabriolet. While its sleek design and powerful 354-horsepower engine may allude to expensive coverage, auto insurance for an S5 is more affordable than you might think.
On average, car insurance for an Audi S5 costs $98 a month — or $1,176 a year. While this estimate is about $150 under the national average of $1,318, your actual price may vary. Your location, along with a number of other variables, can influence the cost of car insurance. For example, residents of Rhode Island spend an average of $2,020 per year on coverage, while those living in Ohio pay a much more reasonable $926. This gap highlights the importance of getting multiple quotes before choosing a policy. Filter car insurance companies by your state to get a quote.
A 2017 Audi S5 starts at a base price of $53,100. With the average insurance rate at $1,176 per year, the annual insurance cost–to–base car price ratio is 2.2%.
Model
Monthly insurance rate
Base car price
A3
$191.00
$31,200
A4
$191.00
$34,900
A4 All Road
$132.00
$44,000
A5
$127.00
$41,200
A6
$136.00
$47,600
A7
$124.00
$68,800
A8
$191.00
$82,500
Q3
$191.00
$31,800
Q5
$138.00
$40,900
Q7
$197.00
$49,000
R8
$197.00
$162,900
RS7
$191
$110,700
S3
$132
$42,900
S5
$98
$53,100
S6
$132
$70,900
S7
$191
$79,900
S8
$191.00
$115,900
SQ5
$132.00
$53,300
TT
$128.00
$43,500
TTS
$125.00
$52,500
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
2017 Audi S5
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Good credit
Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
Audi S5 model year
Vehicle’s trim
Amount of coverage you need
Estimated miles you drive in a year
Vehicle’s safety and anti-theft features
Driver’s credit score and location
Driver’s age, marital status and gender
Driving history in the past five years
Whether the driver rents, leases or owns the vehicle
Auto insurance is something that every driver needs but nobody hopes to use. Besides the fact that its mandatory, having the right coverage can save you time and money in the event of an accident. While the S5 is considered a performance vehicle, you should have no trouble finding coverage from any major provider. The main difficulty is in finding the right policy for your vehicle and budget. The best way to do this is to create a sample policy with the coverage and features you need. Doing so, you’ll be able to get quotes from different providers to determine which offers the best value.
Price. Policy features and coverage can vary between providers, making it difficult to compare by price. Creating a sample policy can help you accurately compare your options to find out which policy and provider best fit your budget.
Deductible. Since your deductible amount can directly effect your premiums, it’s important to choose a number that works for your situation. A higher deductible costs more up front, but will usually provide lower monthly premiums. A low deductible will be more affordable if you need to file a claim, but will likely increase your monthly cost.
Minimum coverage. Every state (Except New Hampshire and Virginia) have mandatory minimum coverage amounts. Make sure your state’s minimums are met before purchasing a policy, otherwise it’s illegal to drive on public roads.
Additional coverage. Personal injury protection and medical payments are two of the many additional coverage options you might come across. Be sure to work these options into your sample policy to get a more accurate quote.
Extras. Some auto insurance providers offer policy extras like no-deductible glass repairs or accident forgiveness. If you’re looking for a policy with these features, be sure to include them when getting quotes from providers.
Restrictions. Be aware of any coverage restrictions before purchasing a policy to avoid denied claims or gaps in coverage.
Manufacturer offer or loyalty discount. Find out if Audi has any partnerships with insurance providers. You might be eligible for manufacturer offers or loyalty discounts.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
What factors affect car insurance rates for Audi S5?
Insurance providers calculate your premiums based on your risk of being in an accident and the cost to pay claims if something were to happen. While your driving history and location may contibute to the outcome, the vehicle you drive plays a much more important role.
Every vehicle is different in terms of performance, repair costs, theft rates, safety features and other variables, which is why rates can vary so much depending on the model you drive. Audi is well known for great safety ratings, one of the many factors that may help to reduce the cost of insurance. Here are a few elements that providers may consider when evaluating the cost of insurance fo an S5.
Body type. The S5 comes in a coupe, sportback or cabriolet, so your rates may vary depending on the style you choose. Coupes and cabriolets may be considered sports cars, which could cost more to insure. Providers may classify sportbacks as sedans, which may help you save on insurance.
Type of car. The S5 is a luxury performance vehicle, which may raise the cost of insurance.
Theft. Sports cars like coupes and cabriolets are stolen far less frequently than sedans. Choosing either of these options might be cheaper to insure compared to the sportback model.
Repairs. Parts and service on luxury performance vehicles like the S5 may be expensive. This could increase the cost of car insurance.
Safety ratings. While the S5 doesn’t have official safety ratings, the A5, which the S5 is based on, was the 2017 IIHS top safety pick and has near-perfect ratings across the board.
How do trim packages and extra build options affect insurance cost?
As much as your driving history and location may affect your risk of getting into a collision, the vehicle you drive has a much greater impact. Every vehicle performs differently in terms of engine power, handling, safety & driver assistance features, and more. While providers put a lot of emphasis on the model you drive, the trim and packages you choose may also affect your rates. Here are some of the available options for the Audi S5 and how they might affect your insurance rates.
Model
Coupe. The coupe is the most common iteration of the Audi S5. Its designed for performance, but also poses a low risk of theft, making it quite affordable to insure.
Cabriolet. The cabriolet is about $10,000 more expensive than the coupe and the retractable roof could pose a higher risk in the event of an accident. This option is likely more expensive to insure compared to the coupe.
Sportback. The S5 Sportback offers a balance between luxury and power, making it a great daily driver for commuting or family trips. It’s about the same price as the coupe, meaning it should cost a similar amount for insurance.
Packages
Prestige. Opting for the Prestige package over Premium Plus adds features like the Audi virtual cockpit, Audi Connect, parking system and more. This option helps to increase driver awareness, which could help reduce insurance premiums.
Navigation. Available on the Premium Plus trim, the navigation package can help improve driver awareness, potentially leading to lower auto insurance rates.
Dynamic steering. Dynamic steering can help improve your vehicle’s handling, which could lead to more affordable auto insurance.
Driver assistance. Available on the Prestige trim, the driver assistance package may reduce your risk of getting into an accident, which could help you save on auto insurance.
Audi S5 money-saving safety features
You could save money on car insurance for your Audi S5 if it comes equipped with these safety features.
Airbags
Daytime running lights
Anti-lock brakes
Anti-theft device
Surround camera system
Parking sensors
Rear backup sensors
LED fog lights
Electronic stability control
Seatbelt pretensioners
Does the Audi S5 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 should apply to the Audi S5:
At the time of writing, there are no official Audi S5 reliability ratings from major sources like the IIHS, U.S. News, or J.D. Power. However, the A5, which the S5 is based on, holds an impressive 4/5 star rating from U.S News and J.D Power. While your experience may vary, these vehicles use the same chassis, similar engines, and many of the same safety features. Because of this, the A5’s score should be an accurate reflection of the S5’s reliability, provided that they are driven under similar conditions.
Despite being in production since 2007, there have been no recalls on the Audi S5. However, there have been a number of recalls on the A5:
2018: A limited number of 2018 models were recalled due to the aluminum trim on front and rear doors coming loose and leaving sharp edges exposed.
2017: Some A5 Coupe and A5 Cabriolet models were recalled due to an overheating coolant pump which could increase the risk of a fire.
2016: A number of A5 Coupe and Cabriolet models were recalled due to the coolant pump issue along with electrical system wiring issues that could cause heater wires to overheat or melt.
2013-2015: Some 2013-2015 A5 Coupe and Cabriolet models were also affected by the coolant pump and wiring issues found on the 2016 models.
The latest models of the Audi S5 have almost no common problems. While there are a few reported issues for the 2011 and 2013 model years, this vehicle is generally quite reliable. Some users report issues with carbon buildup which could lead to decreased power, but this could be avoided with routine maintenance and regular service appointments.
How safe is the Audi S5?
Unfortunately, the S5 doesn’t have official safety ratings from the IIHS or NHSTA. However, the A5, which the S5 is based on, holds an impressive 9.6/10 safety rating according to U.S. News and J.D. Power. Considering Audi’s history of safe vehicles and the fact that that the S5 has many of the same safety & driver assistance features, it’s likely that the S5 would have a similar rating.
Audi S5 maintenance
The S5, like many Audi vehicles, offers a comfortable and exciting driving experience that makes it a great daily driver. Despite it being a performance vehicle, the S5 requires little maintenance to keep it on the road. However, routine oil changes and service appointments can ensure your S5 lasts longer and performs at its best. Here’s what to expect in terms of oil changes, mileage and other maintenance.
Audi recommends an oil change every 10,000 miles or 12 months, whichever comes first. However, if your car is being driven vigorously, you may want to have it changed more frequently.
Oil changes for an Audi S5 should cost between $100 and $200 depending on where you have your vehicle serviced. Dealerships can provide peace of mind but generally cost more than independent repair shops.
According to the 2017 Audi maintenance schedule, your S5 should be brought in for minor maintenance at 10,000 miles and every 20,000 miles after that. Standard maintenance should be done after the first 20,000 miles and every 20,000 after the initial service appointment.
The 2018 Audi S5 gets an average of 24 miles per gallon, with 21 in the city and 30 on the highway.
The 2017 Audi S5 comes with a four-year/50,000-mile warranty and four years of 24/7 roadside assistance.
Is an extended warranty worth it for the Audi S5?
The S5 comes equipped with Audi’s standard four-year, 50-000 mile warranty. It covers defects on parts and service and comes with free 24/7 roadside assistance. However, if you’re looking for extended coverage, the Audi Certified Plus Limited warranty can be purchased on top of the initial warranty. It provides two years or 50,000 more miles of protection, though coverage is different than the new vehicle warranty. While Audi’s new vehicle warranty is quite comprehensive, an extended warranty can provide peace of mind and even increase the resale value of your S5.
About the Audi S5
The Audi S5 has been in production since 2007. The S5 model is a high-performance alternative of the Audi A5 model. The 2017 model has not been evaluated by the Insurance Institute for Highway Safety or the National Highway Traffic Safety Administration.
Insurance companies determine the insurance cost for an Audi S5 based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Audi shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Audi S5 shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.
Compare Audi competitors
Explore Audi’s lineup to compare similar options or find out what other manufacturers have to offer.
Bottom line
The Audi S5 offers a balance between luxury and performance while maintaining great reliability and safety ratings that Audi is known for. It’s available in three different styles, each packed with safety and driver assistance features that make it a great choice for commuting, errands, daily driving or anything else. Depending on the model and options you choose, your insurance rates may vary, so it’s important to compare your options to find the right policy and provider for your situation.
Frequently asked questions about the Audi S5
Like the majority of Audi’s expansive lineup, the S5 is a luxury performance vehicle that should be easy to insure through any major provider. While there is no single best auto insurance for the Audi S5, you can narrow down your options by getting quotes from multiple providers to find a policy that fits your budget.
Yes. The A5 is a step down in price and performance but is very similar in many aspects. The A4 is only available as a sedan or wagon but offers many of the same features and styling found on the S5 lineup. The S6 and S7 are quite a bit bigger in size (and price), but offer similar engines and features.
You can learn more about state minimums here, or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your state’s minimum requirements.
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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