Vehicle Data · Updated August 2026

Audi A5 Insurance Cost UK 2026

Q: How much does it cost to insure an Audi A5 in the UK?

The average comprehensive premium for an Audi A5 is about £1,454 a year (roughly £126 a month) in 2026, based on Finder’s UK analysis of an A5 Sportback 2.0 TDI. That is around 2.4 times the £600 UK average, reflecting insurance groups that start at 24 and run to 48. A 35–44-year-old with a clean licence typically pays nearer £1,500, while a 17–24-year-old can expect around £2,660.

Q: What insurance group is the Audi A5?

The A5 range spans groups 24 to 48. The 2.0 TFSI petrol in S line form starts at group 24; the 204hp petrol sits at group 31 and the 204hp 2.0 TDI diesel at group 32. Adding quattro all-wheel drive to the diesel takes it to group 34. Higher-performance S5 and top-specification models climb into the forties.

Q: How much is Audi A5 insurance for a young driver?

Expect around £2,660 a year for a 17–24-year-old, and considerably more for a newly-qualified 17-year-old on a higher-output model. Many insurers will not quote a young driver on a group 30-plus car at all. Around 78% of 17–20-year-olds pay less with a telematics policy, though the discount is earned by driving well rather than applied automatically, and telematics insurers often cap the group they will cover, so an entry A5 is a far more realistic proposition than a quattro or S5.

Insuring an Audi A5 costs around £1,454 a year on a comprehensive policy in 2026 — about £126 a month, and roughly 2.4 times the £600 UK average. The A5 spans insurance groups 24 to 48, starting at group 24 for the 2.0 TFSI S line and rising to the forties for S5 and top-specification cars. This page breaks the cost down by driver age and by variant.

Jump to the cost tables UK Cost Index 2026

Groups 24–48

Insurance group range across the A5 line-up

£1,454/yr

Average UK comprehensive premium, all ages

£1,320/yr

Cheapest A5 — 2.0 TFSI 150 S line, group 24

Direct answer

What Audi A5 insurance actually costs in 2026

The average UK comprehensive premium for an Audi A5 is £1,453.66 a year, or £126.10 a month paid monthly, according to Finder’s 2026 model analysis of an A5 Sportback 2.0 TDI. That average blends drivers aged 20, 30, 40 and 50 across cheap, mid-range and expensive postcodes, so it is a fair midpoint rather than a quote. Against the roughly £600 UK average tracked on our 2026 Cost Index, the A5 costs about 2.4 times as much to insure.

The reason is group rating. The A5 line-up runs from group 24 to group 48 out of 50. The entry 2.0 TFSI petrol in S line trim sits at group 24; the 204hp petrol moves to group 31 and the 204hp 2.0 TDI diesel to group 32; specifying quattro all-wheel drive on the diesel takes it to group 34. That is a wide ladder, and it means the badge on the boot tells you far less about your premium than the engine and drivetrain underneath.

Usefully for buyers, the A5 is one of the cheaper compact executive cars to insure in relative terms — it undercuts the BMW 3 Series spec-for-spec and undercuts the Mercedes C-Class by a wider margin. But it remains an expensive car in absolute terms, and driver age moves the number far more than trim: a 17–24-year-old faces around £2,660, against roughly £935 for a driver over 65 on the same car.

Table 1 — By driver age

Audi A5 premium by driver age

Age is the strongest single predictor of claims risk and moves an A5 premium further than any trim decision. The figures below scale our composite UK age curve to the A5’s £1,454 model average, for a driver with a clean licence on a comprehensive policy.

Audi A5 insurance by driver age — UK 2026

Average annual comprehensive premium. A 17–24 driver pays about 2.8× a 65+ driver on the same car.

Sources: Finder UK Audi A5 model analysis 2026; ABI Motor Insurance Premium Tracker Q1 2026; Confused.com Price Index Q1 2026; Car Insurance Expert composite quote sample.

Driver age band	Typical annual premium	vs UK average (£600)
17–24	£2,660	+343%
25–34	£1,940	+223%
35–44	£1,500	+150%
45–64	£1,065	+78%
65+	£935	+56%

Sources: Finder UK (A5 comprehensive average £1,453.66); ABI Motor Insurance Premium Tracker Q2 2026 (average paid £566); Confused.com Price Index Q2 2026 (average quoted £719, including published age-band averages). Figures are indicative composite estimates for a clean licence, not quotes.

Table 2 — By variant

Audi A5 insurance groups by engine and drivetrain

The gap between the entry petrol and a quattro diesel is roughly £270 a year for the same driver — and the step up to S5 and top-specification cars is larger again. Premiums below are for a 35–44-year-old driver with a clean licence.

Variant	Insurance group	Indicative annual premium
2.0 TFSI 150 S line	24	£1,320
2.0 TFSI 204	31	£1,490
2.0 TDI 204	32	£1,520
2.0 TDI 204 quattro	34	£1,590
S5 / top specification	40–48	£2,050

Sources: Finder UK and VehicleScore Audi A5 group ratings 2026 (range groups 24–48; 2.0 TSI S line group 24, 204hp group 31, 204hp 2.0 TDI group 32, quattro diesel group 34); Thatcham Research / ABI Group Rating Panel. Premiums are indicative composite estimates.

Table 3 — By region

Where you park changes the A5 premium by £825

Postcode is the second-strongest rating factor after age, and on a car at the A5’s value the regional spread is wide. Inner London combines theft risk, congestion and uninsured-driver rates — over a million uninsured drivers use UK roads, funding a Motor Insurers’ Bureau levy of roughly £15 on every honest policy. The South West and North East are consistently the cheapest regions.

Region	Typical annual premium	vs A5 average (£1,454)
London (Inner)	£1,975	+36%
North West	£1,600	+10%
West Midlands	£1,525	+5%
Scotland	£1,225	−16%
South West	£1,150	−21%
North East	£1,150	−21%

Sources: Confused.com Price Index Q2 2026 (regional, average quoted); ABI Motor Insurance Premium Tracker Q2 2026 (average paid); Motor Insurers’ Bureau. Regional multipliers applied to the £1,454 A5 model average.

Cutting the cost

Six ways to lower an Audi A5 premium

An A5 will never insure like a supermini, but the difference between an auto-renewal and a properly shopped policy on the same car regularly runs to several hundred pounds a year.

Pick the engine deliberately. The 150hp TFSI at group 24 versus a 204hp quattro diesel at group 34 is roughly £270 a year, every year you own the car.
Shop 3–4 weeks before renewal. Prices are typically keenest around three weeks out, and renewal quotes are rarely the cheapest available.
Park off-road overnight. Premium German cars are a keyless-relay theft target; UK theft payouts hit £669m, up 35%. A driveway or garage measurably moves the price.
Protect your no-claims discount once you have four or five years — at A5 premium levels the protection usually pays for itself in one claim.
Keep mileage accurate. Under-declaring to shave the premium can be treated as misrepresentation and jeopardise a claim.
Use a specialist broker for S5 and above. Once you are past group 40, mainstream comparison panels thin out and performance specialists often win.

Compare against the rest of the range in our insurance groups hub, see the national picture in the UK Car Insurance Cost Index 2026, or dig into premiums by driver age if age is your main cost driver.

FAQs

Audi A5 insurance: common questions

How much does it cost to insure an Audi A5 in the UK?

The average comprehensive premium for an Audi A5 is about £1,454 a year (roughly £126 a month) in 2026, based on Finder’s UK analysis of an A5 Sportback 2.0 TDI. That is around 2.4 times the £600 UK average, reflecting insurance groups that start at 24 and run to 48. A 35–44-year-old with a clean licence typically pays nearer £1,500, while a 17–24-year-old can expect around £2,660.

What insurance group is the Audi A5?

The A5 range spans groups 24 to 48. The 2.0 TFSI petrol in S line form starts at group 24; the 204hp petrol sits at group 31 and the 204hp 2.0 TDI diesel at group 32. Adding quattro all-wheel drive to the diesel takes it to group 34. Higher-performance S5 and top-specification models climb into the forties.

Is the Audi A5 cheaper to insure than a BMW 3 Series or Mercedes C-Class?

Spec for spec, yes. The A5 generally undercuts the BMW 3 Series on group rating and undercuts the Mercedes C-Class by a wider margin. That said, it is still an expensive car to insure in absolute terms — the compact executive class as a whole sits well above the UK average, and a sportier A5 can cost more to insure than a modest 3 Series.

Why is Audi A5 insurance more expensive than average?

Group rating does most of the work: a group 24–48 car against a UK average nearer group 15. On top of that, repair costs for premium German cars have risen sharply — repair labour is up around 40% since 2022 and parts and paint about 16% a year. ADAS recalibration after a windscreen replacement can turn a £300 job into a £1,500 claim, and premium saloons and coupés remain a theft target.

What is the cheapest Audi A5 to insure?

The 2.0 TFSI 150hp in S line trim, which sits at insurance group 24 and costs a 35–44-year-old driver around £1,320 a year. Stepping up to the 204hp petrol or diesel adds seven or eight group points, and specifying quattro adds more again. Smaller wheels, a lower-output engine and secure overnight parking are the three levers that move the price most at purchase.

Does the A5 cost more to insure as a Sportback or a coupé?

Body style makes less difference than engine and trim. The A5 is sold as a Sportback, coupé and cabriolet, and while convertibles usually attract a small loading for theft and damage risk, the group rating is driven mainly by power output, value and repairability. Two cars with the same engine in different body styles typically sit within a group or two of each other.

How much is Audi A5 insurance for a young driver?

Expect around £2,660 a year for a 17–24-year-old, and considerably more for a newly-qualified 17-year-old on a higher-output model. Many insurers will not quote a young driver on a group 30-plus car at all. Around 78% of 17–20-year-olds pay less with a telematics policy, though the discount is earned by driving well rather than applied automatically, and telematics insurers often cap the group they will cover, so an entry A5 is a far more realistic proposition than a quattro or S5.

How can I reduce my Audi A5 insurance cost?

Compare three to four weeks before renewal instead of auto-renewing, since renewal quotes are rarely the cheapest available. Build and then protect your no-claims discount, keep mileage accurate, park off-road or in a garage, and consider a sensible voluntary excess. On higher-group A5 and S5 models a specialist broker will often beat the mainstream comparison panels.

Our sources

Finder UK — A5 comprehensive average £1,453.66/yr (£126.10/month), based on an A5 Sportback 2.0 TDI across four driver ages and three postcode bands.
RAC Drive A5 review (2026) — group 24 for the 2.0 TSI S line, 31 for the 204hp petrol, 32 for the 204hp 2.0 TDI, 34 with quattro; undercuts the 3 Series and C-Class spec-for-spec.
Thatcham Research / ABI Group Rating Panel — the 1–50 insurance group scale and the Vehicle Risk Rating for cars registered from 1 August 2024.
ABI Motor Insurance Premium Tracker (Q2 2026) — average paid comprehensive premium £566 and claims-inflation context.
Confused.com Price Index / WTW (Q2 2026) — average quoted price £719 and the published age-band spreads.

Reviewed by the Car Insurance Expert editorial team

Reviewed by our motor insurance research lead. Model averages come from published UK model-level analyses and are cross-checked against the ABI and Confused.com trackers; age-band and variant figures are Car Insurance Expert composite estimates scaled to the model average and labelled as indicative rather than quotes. Questions or corrections: editorial@carinsuranceexpert.co.uk.

Last updated: 2026-08-15

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