Given that it’s a 2021 model, I think the pre-incentive discount is about what I’d expect. This is slightly better than I was quoted for a 2021 SQ5 in California a couple weeks ago (not the same car, but close enough in profile - and the car I looked at had identical MSRP to this).
The question is do you really want the 2021 model, and do you really want it right now? If you want the 2021 model but you’re willing to wait until spring, you’ll get a better deal. If you’re OK with the 2020 model, you’ll get a FAR better deal.
But if you want this car and you want it now, I don’t know that you’ll find much better.
BTW - you’re getting taken for a ride in your region as far as MF is concerned. In CA right now, the base MF for an SQ5 is .00017. Nothing you can do about that, but it’s a consideration. I do think cross-shopping CA could be worth it just to get a couple competing quotes, but you’re unlikely to actually want to do an out of state DMV transaction at the end of the day.
Here’s the thing: I don’t think this deal is highway robbery, but YOU need to decide if you want to pay $800/mo. for a $66,000 car. By comparison, I just bought a 2021 SQ5 with an identical sticker price to your car, in California, and my payment before Audi Care came out to $597/mo. after taxes (and CA’s taxes aren’t low). $611/mo is my final payment after buying Audi Care.
So decide if $200/mo. more for the same sticker price is worth it to you to have this particular car, at this particular moment in the model year season, for the new 2021 model year version, is worth it to you.