About $3,170 a year for full coverage on a national average — 120% more than the $1,438 average car. Insurers rate the Audi RS 5 at an index of 220 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly. Collision — damage to your own car in a crash — carries this car's highest loss index at 255, while Property damage sits at 73. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 78 luxury cars we hold data for, the RS 5 ranks #60 from cheapest, above the class median of 138. Over 7 generations of data the index has fallen from 276 (2012-2014) to 220 (2022-2024). Calculated from 11 insurance-loss records.
Why a RS 5 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $3,170: Liability (BI + PD) $1,522 · Collision $888 · Comprehensive $380 · Other (UM / PIP) $380.
The RS 5 against its class
Every luxury cars we hold insurance data for, cheapest to insure first. The RS 5 is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Luxury cars), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 138, roughly $1,986 a year.
How it changed by generation
Insurance-loss index of the RS 5 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The RS 5 has become cheaper to insure over time (-55 points).
What a RS 5 costs by state
Where you park matters as much as what you drive. The RS 5's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | RS 5 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Audi RS 5
Audi RS 5 insurance — frequently asked
How much is insurance for a Audi RS 5?
About $3,170 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 220 applied to the US average premium.
Why is the RS 5 expensive or cheap to insure?
Its costliest area is Collision (index 255), which covers damage to your own car in a crash. Insurers set premiums from claim history like this, not from the sticker price.
Is the RS 5 cheaper to insure than rivals?
It ranks #60 of 78 in the luxury cars class, where the median index is 138 against this car's 220. Cheaper rivals are listed in the chart above.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same RS 5 can differ by hundreds between two drivers.