Audi Q5 insurance group and cost
Use our guide to find out how much insurance for an Audi Q5 costs and how you could save on your premiums.
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What insurance group does the Audi Q5 fall under?
All vehicles are given a specific insurance group, ranging from 1 (cheapest) to 50 (most expensive), that helps insurers determine the cost of your premium. Audi Q5 models can be found in insurance groups ranging from 25 to 45, meaning the car will cost more than the average vehicle to insure.
However, the costs may vary slightly between different Audi Q5 insurance groups due to a number of different factors related to the vehicle. As an example, a 30-year-old driver in an average postcode could pay around £894 for cover on a Audi Q5 SE 2.0 TDI 190PS Quattro S Tronic auto 5d that is in insurance group 27 or around £1,112 for a Audi Q5 SQ5 Plus Special Edition 3.0 BiTDI 340PS Quattro Tiptronic auto 5d that is in insurance group 45. From this comparison, we can see the impact of premium pricing when one car is in a much higher insurance group.
Audi Q5 insurance cost by location
Your location plays a huge role in determing the cost of your car insurance. To demonstrate this fact, here are some average quotes for a 30-year-old living in three different locations. The quotes are for an Audi Q5 S Line 2.0 TFSI 252PS Quattro S Tronic auto 5d.
- Expensive: £1,054 (London SE1)
- Average: £900 (Newcastle NE1)
- Cheap: £701 (Galashiels TD1)
Which factors affect my Audi Q5 insurance rate?
Here are some of the other key factors that have the biggest impact on your insurance premium costs:
- Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. For example, it may cost £997 for insurance for a Audi Q5 S Line Plus Special Edition 2.0 TDI 150PS Quattro 5d, while you may pay £1,216 for a Audi Q5 40 TDI Quattro Vorsprung S Tronic 5d. That’s a £219 difference based on engine size alone.
- Driver location. Where you live helps determine the level of risk that your car may be stolen or you’ll be involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £1,194 for insurance for a Audi Q5 45 TFSI Quattro Edition 1 S Tronic C+S 5d, while the same 30-year-old in Newcastle may only pay £993. This £201 difference between the two cities occurs because motorists living in London are statistically more likely to claim on their car insurance than those in Newcastle.
- Driver age. The youngest drivers represent the biggest risk to insurers, because they are statistically the most likely to make a claim on their car insurance. The average 20-year-old driver in London may pay £2,115 for the Audi Q5 Black Edition 50 TFSI e 299PS Quattto S Tronic auto 5d, while the average 40-year-old Londoner will only pay £1,108. In this scenario, the 20-year-old would have to pay almost double to insure an Audi Q5. This could well be the case with other vehicles too, such is the difference in the level of claims made by these two age groups.
Other factors that influence the cost of your insurance include:
- Your car’s safety rating score
- The model of your car
- The age of your car
- Your car’s security and any extra anti-theft precautions
- Annual miles driven
- Your driving history and activity, including your no-claims discount
- Your marital status
- Your occupation
- Your credit history
How can I save on my Audi Q5 premiums?
When looking for insurance, you’ll always want to find the best deal for a price that’s within your budget. Thankfully, there are some tricks you can try to lower the cost of your premium, and we’ve listed them below.
- Limit your car usage (where possible). If you can reduce your annual mileage, you’ll often receive a discount on your car insurance premiums. So, consider if there are any journeys you can take by foot or public transport instead.
- Pay annually rather than monthly. Whilst it might be intimidating to pay for a year’s worth of car insurance in one go, you’ll often receive a discount if you do. That’s because some insurers charge interest on monthly premium payments.
- Install extra safety precautions. If you can make your car safer, you’ll be deemed a lower risk of making a claim and may therefore be offered lower premiums.
- Don’t just accept your renewal quote. Yes, it might be time consuming, but it really does pay to compare the market and switch car insurance companies every year. Most insurers save their best deals for new customers, so don’t just settle for the renewal price given to you by your existing insurer. There may be cheaper options out there!
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