The Audi S5 is a high-performance sports vehicle available in coupe, sportback, and cabriolet body styles. While its sleek form and strong 354-horsepower engine may suggest costly coverage, vehicle insurance for an S5 is less expensive than you would imagine. Audi S5 insurance cost an average of $98 a month, or $1,176 per year. While this estimate is around $150 less than the national average of $1,318, your exact pricing may differ. The cost of automobile insurance may be influenced by your location, as well as a variety of other factors. Residents in Rhode Island, for example, pay an average of $2,020 per year for coverage, while those in Ohio pay a considerably lower $926. This discrepancy emphasizes the necessity of obtaining numerous quotations before deciding on an insurance.
How to compare insurance for the Audi S5
Every motorist needs auto insurance, but no one wants to use it. Aside from the fact that it is required, having enough coverage may save you time and money in the case of an accident. Despite the fact that the S5 is a high-performance vehicle, you should have no problem getting coverage from any major provider. The primary challenge is determining the best insurance for your car and budget. The easiest approach to achieve this is to draft a sample policy that has the coverage and features you require. As a result, you will be able to obtain estimates from several suppliers and evaluate which gives the greatest value.
- Price. Policy features and coverage might differ between providers, making pricing comparison difficult. Creating a sample policy can assist you in correctly comparing your alternatives in order to choose which insurance and provider best fits your budget.
- Deductible. Because your deductible level has a direct impact on your rates, it’s critical to select a figure that fits for you. A greater deductible is more expensive up front, but it typically results in cheaper monthly rates. If you need to submit a claim, a low deductible will be less expensive, but it will likely increase your monthly premium.
- Minimum coverage. Except for New Hampshire and Virginia, every state has a mandated minimum coverage quantity. Before obtaining insurance, make sure your state’s minimums are satisfied; otherwise, driving on public highways is prohibited.
- Additional coverage. Personal injury protection and medical payments are only two of the numerous extra coverage choices available. To obtain a more realistic quotation, incorporate these options into your example policy.
- Extras. Some vehicle insurance companies provide policy enhancements such as no-deductible glass repairs or accident forgiveness. If you want insurance with these features, be sure to request quotes from providers that provide them.
- Restrictions. To avoid rejecting claims or gaps in coverage, be aware of any coverage limits before obtaining insurance.
- Manufacturer offer or loyalty discount. Find out whether Audi has any affiliations with insurance companies. You may be qualified for manufacturer promotions or loyalty discounts.
- Warranty. To prevent paying for overlapping coverage, find out what is covered by your manufacturer’s or extended warranty.
What factors affect car insurance rates for Audi S5?
Your rates are calculated by insurance companies based on your chance of getting in an accident and the expense of paying claims if something were to happen. While your driving history and location may have an impact on the outcome, the car you drive is far more significant.
Every car is unique in terms of performance, maintenance costs, theft rates, safety features, and other factors, which is why prices can vary so greatly depending on the model you drive. Audi is well-known for having excellent safety ratings, which is one of several characteristics that may assist to decrease insurance costs. Here are a few factors that providers may examine when determining the cost of S5 insurance.
- Body type. The S5 is available as a coupe, sportback, or cabriolet, so your rates may vary based on the type you select. Coupes and cabriolets may be classified as sports vehicles and so cost extra to insure. Sportbacks may be classified as sedans by insurance companies, allowing you to save money on insurance.
- Type of car. The S5 is a high-performance premium vehicle, which may increase the cost of insurance.
- Theft. Coupes and cabriolets are stolen at a far lower rate than sedans. Choosing one of these choices may be less expensive to insure than the sportback model.
- Repairs. Parts and service for high-performance automobiles like the S5 may be costly. This may raise the cost of auto insurance.
- Safety ratings. While the S5 lacks official safety ratings, the A5, on which the S5 is based, was the 2017 IIHS top safety selection and received near-perfect scores across the board.
How do trim packages and extra build options affect insurance cost?
As much as your driving history and location influence your likelihood of an accident, the car you drive has a far bigger impact. Every car differs in terms of engine power, handling, safety and driver aid systems, and other factors. While carriers place a high value on the model you drive, the trim and options you select may also have an impact on your rates. Here are some of the Audi S5’s available choices and how they may influence your insurance premiums.
- Coupe. The Audi S5 coupe is the most popular variant. It is built for performance, but it also has a low chance of theft, making it very inexpensive to insure.
- Cabriolet. The cabriolet costs around $10,000 more than the coupe, and the retractable top may represent a greater risk in the event of an accident. In comparison to the coupe, this choice is likely to be more expensive to insure.
- Sportback. The S5 Sportback strikes a mix between luxury and power, making it an excellent daily vehicle for commuting or family vacations. It’s around the same price as the coupe, so insurance should be comparable.
- Prestige. Choosing the Prestige option above the Premium Plus package adds amenities such as the Audi virtual cockpit, Audi Connect, a parking system, and more. This option contributes to increased driver awareness, which may result in lower insurance costs.
- Navigation. The navigation feature, which is available on the Premium Plus grade, can assist enhance driver awareness, perhaps leading to cheaper vehicle insurance premiums.
- Dynamic steering. Dynamic steering can enhance your vehicle’s handling, potentially leading to lower auto insurance rates.
- Driver assistance. The driver assistance package, which is available on the Prestige grade, may lower your chances of being in an accident, thus saving you money on vehicle insurance.
Audi S5 money-saving safety features
If your Audi S5 has certain safety features, you may be able to save money on car insurance.
- 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?
Depending on whatever carrier you pick, your vehicle may be eligible for certain auto insurance savings. The actual reductions you receive, however, may vary based on your region, provider, selections, and other variables. Here are a few examples that should be applicable to the Audi S5:
- 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 S5?
There are no official Audi S5 dependability ratings from major organizations such as the IIHS, U.S. News, or J.D. Power at the time of writing. However, the A5, on which the S5 is based, has received a 4/5 star rating from U.S. News and J.D. Power. While your mileage may vary, these cars share the same chassis, engines, and many of the same safety features. As a result, the A5’s reliability should be an accurate representation of the S5’s, assuming they are driven under similar conditions.
Despite being in production since 2007, the Audi S5 has had no recalls. However, there have been a handful of A5 recalls:
- 2018: A small number of 2018 vehicles were recalled because the metal trim on the front and rear doors became loose, exposing sharp edges.
- 2017: Some A5 Coupe and A5 Cabriolet cars were recalled owing to an overheated coolant pump that may cause a fire.
- 2016: A5 Coupe and Cabriolet vehicles were recalled owing to a coolant pump problem, as well as electrical system wiring concerns that might cause heater wires to overheat or melt.
- 2013-2015:The coolant pump and wiring faults identified on the 2016 A5 Coupe and Cabriolet variants also affected some 2013-2015 A5 Coupe and Cabriolet vehicles.
The newest Audi S5 vehicles have practically no common issues. While there have been a few difficulties reported for the 2011 and 2013 model years, this car is typically fairly dependable. Some users experience carbon buildup concerns, which may result in lower power, although this may be avoided with normal maintenance and regular service visits.
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How safe is the Audi S5?
Unfortunately, neither the IIHS nor the NHSTA have issued certified safety ratings to the S5. However, according to U.S. News and J.D. Power, the A5, on which the S5 is based, has an excellent 9.6/10 safety rating. Given Audi’s track record of producing safe vehicles and the fact that the S5 includes many of the same safety and driver aid systems, the S5 is expected to receive a similar grade.
Audi S5 maintenance
The S5, like many Audi models, provides a pleasant and thrilling driving experience, making it an excellent everyday driver. Despite being a high-performance car, the S5 takes little upkeep to stay on the road. Routine oil changes and service visits, on the other hand, can help your S5 last longer and perform better. Here’s what to anticipate when it comes to oil changes, mileage, and other routine maintenance.
- Audi suggests changing the oil every 10,000 miles or 12 months, whichever comes first. However, if you drive your car regularly, you may want to have it replaced more frequently.
- The cost of an oil change for an Audi S5 should be between $100 and $200, depending on where you get your car serviced. Dealerships can give peace of mind, but they are typically more expensive than independent repair businesses.
- According to the 2017 Audi maintenance plan, your S5 should be serviced at 10,000 miles and then every 20,000 miles after that. Standard maintenance should be performed after the first 20,000 miles and then every 20,000 miles after that.
- The 2018 Audi S5 gets 24 miles per gallon on average, with 21 in the city and 30 on the interstate.
- The 2017 Audi S5 is covered by a four-year/50,000-mile guarantee as well as four years of 24-hour roadside support.
Is an extended warranty worth it for the Audi S5?
The S5 is covered by Audi’s standard four-year, 50,000-mile warranty. It covers parts and service faults and includes free 24-hour roadside assistance. However, if you want more coverage, the Audi Certified Plus Limited warranty may be purchased in addition to the basic guarantee. It gives two years or 50,000 additional miles of coverage, however the coverage differs from that of a new car warranty. While Audi’s new car guarantee is extensive, an extended warranty may give peace of mind and potentially enhance the market value of your S5.
About the Audi S5
The Audi S5 has been on the market since 2007. The Audi A5 vehicle is a high-performance alternative to the S5. The Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration have not assessed the 2017 model.
The insurance cost for an Audi S5 is determined by safety ratings, theft rates, replacement costs, and general damage susceptibility. Insurance costs vary depending on a driver’s past and region. Before purchasing an Audi, prospective buyers should obtain insurance quotes from multiple providers in order to acquire the lowest feasible cost. Audi S5 buyers should also do their homework to determine whether they qualify for insurance reductions with each carrier.
Compare Audi competitors
Investigate Audi’s lineup to compare comparable choices or to learn about what other manufacturers have to offer.
The Audi S5 strikes a mix between luxury and performance while preserving Audi’s legendary dependability and safety ratings. It comes in three distinct designs, each with a plethora of safety and driver assistance features that make it an excellent choice for commuting, errands, daily driving, and anything else. Your insurance prices may vary depending on the model and options you select, so it’s critical to evaluate your options to get the best coverage and provider for your circumstances.
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