Audi Q7 insurance costs average $99 monthly for minimum coverage and $192 for full coverage. Depending on your particular trim and model year, costs can range from $55 to $333 monthly.
Audi Q7 Insurance Cost
Updated: November 15, 2025
Key Takeaways
Audi Q7 insurance costs vary widely from $72 to $333 monthly depending on your specific model year and trim level.
The Q7 ranks 481st out of 827 vehicles for insurance affordability, placing it among the more expensive cars to insure nationwide.
GEICO offers the most affordable Audi Q7 coverage at $157 monthly for full protection and $72 monthly for minimum coverage policies.
How Much Is Audi Q7 Insurance?
| Audi Q7 | $99 | $192 |
Audi Q7 Insurance Cost by Model Year
Your Audi Q7 insurance rates change based on model year and available trims during production, with newer models usually costing more due to higher vehicle values. Monthly premiums for Q7 coverage span from $60 for certain model years to $293 for others.
| 2025 | $123 | $241 |
| 2024 | $120 | $234 |
| 2023 | $82 | $160 |
| 2022 | $69 | $134 |
| 2021 | $60 | $117 |
| 2020 | $115 | $224 |
| 2019 | $110 | $215 |
| 2018 | $109 | $212 |
| 2017 | $89 | $172 |
| 2015 | $85 | $166 |
| 2014 | $75 | $145 |
| 2013 | $73 | $141 |
| 2012 | $80 | $154 |
| 2011 | $141 | $273 |
| 2010 | $151 | $293 |
| 2009 | $141 | $273 |
| 2008 | $110 | $213 |
| 2007 | $89 | $172 |
Audi Q7 Insurance Cost by Trim
Your Audi Q7's specific trim impacts insurance costs based on features, market value and repair expenses. Our analysis shows monthly premiums range from $64 for basic trims to $289 for premium variants, creating substantial budget differences for drivers.
| 3.0t S Line Prestige Sport Utility 4d | $64 | $123 |
| Tdi Prestige Sport Utility 4d | $75 | $145 |
| 3.0t Quattro S Line Prestige Sport Utility 4d | $75 | $145 |
| Tdi Premium Sport Utility 4d | $81 | $156 |
| 3.0t Premium Sport Utility 4d | $82 | $158 |
| Tdi Quattro Premium Sport Utility 4d | $82 | $159 |
| 45 Tfsi Premium Plus Sport Utility 4d | $84 | $165 |
| 3.0t S Line Prestige Sport Utility 4d | $85 | $164 |
| Tdi Premium Plus Sport Utility 4d | $85 | $164 |
| 3.0t Premium Plus Sport Utility 4d | $85 | $165 |
| 45 Tfsi Premium Sport Utility 4d | $85 | $167 |
| 55 Tfsi Premium Sport Utility 4d | $87 | $170 |
| 55 Tfsi Premium Plus Sport Utility 4d | $88 | $172 |
| 4.2 Quattro Sport Utility 4d | $90 | $174 |
| 55 Tfsi Prestige Sport Utility 4d | $91 | $177 |
| 2.0t Premium Sport Utility 4d | $93 | $181 |
| 2.0t Premium Plus Sport Utility 4d | $99 | $192 |
| 45 Tfsi Se Premium Sport Utility 4d | $101 | $197 |
| 3.6 Quattro Sport Utility 4d | $103 | $199 |
| 45 Tfsi Se Premium Plus Sport Utility 4d | $104 | $203 |
| 3.0t Prestige Sport Utility 4d | $108 | $211 |
| 45 Tfsi Premium | $108 | $211 |
| 3.0t Quattro Premium Sport Utility 4d | $110 | $213 |
| 55 Tfsi Se Premium Sport Utility 4d | $114 | $223 |
| 45 Tfsi Premium Plus | $115 | $225 |
| 3.6 Quattro Premium Sport Utility 4d | $117 | $227 |
| 55 Tfsi Premium | $118 | $230 |
| 55 Tfsi Se Premium Plus Sport Utility 4d | $118 | $230 |
| 55 Tfsi Premium Plus | $126 | $247 |
| 4.2 Quattro Premium Sport Utility 4d | $133 | $257 |
| 55 Tfsi Prestige | $140 | $273 |
| 3.0t Quattro Prestige Sport Utility 4d | $143 | $276 |
| 3.0 Tdi Quattro Premium Sport Utility 4d | $149 | $289 |
Audi Q7 Insurance Cost by Company
Audi Q7 insurance costs vary by provider from $115 to $234 monthly. Minimum coverage ranges from $72 to $151, while full coverage costs $157 to $333. Rates vary due to different risk assessment models.
| GEICO | $72 | $157 |
| Travelers | $87 | $162 |
| State Farm | $89 | $187 |
| Progressive | $91 | $171 |
| Kemper | $95 | $194 |
| The Hartford | $102 | $174 |
| Nationwide | $107 | $186 |
| AAA | $113 | $234 |
| Amica | $125 | $255 |
| Chubb | $126 | $251 |
| Allstate | $130 | $251 |
| AIG | $135 | $333 |
| Farmers | $144 | $253 |
| UAIC | $151 | $188 |
Audi Q7 Insurance Cost by State
Audi Q7 insurance costs vary dramatically by location, from $43 monthly in Wyoming to $408 in Louisiana for minimum coverage.
| Alabama | $84 | $160 |
| Alaska | $72 | $152 |
| Arizona | $115 | $214 |
| Arkansas | $80 | $178 |
| California | $95 | $193 |
| Colorado | $94 | $225 |
| Connecticut | $132 | $228 |
| Delaware | $131 | $221 |
| Florida | $114 | $262 |
| Georgia | $139 | $229 |
| Hawaii | $51 | $116 |
| Idaho | $54 | $110 |
| Illinois | $92 | $173 |
| Indiana | $64 | $125 |
| Iowa | $58 | $140 |
| Kansas | $72 | $167 |
| Kentucky | $121 | $206 |
| Louisiana | $193 | $408 |
| Maine | $52 | $109 |
| Maryland | $148 | $250 |
| Massachusetts | $102 | $216 |
| Michigan | $148 | $288 |
| Minnesota | $83 | $174 |
| Mississippi | $88 | $175 |
| Missouri | $120 | $238 |
| Montana | $76 | $181 |
| Nebraska | $73 | $167 |
| Nevada | $160 | $290 |
| New Hampshire | $70 | $123 |
| New Jersey | $154 | $255 |
| New Mexico | $80 | $178 |
| New York | $112 | $202 |
| North Carolina | $79 | $155 |
| North Dakota | $63 | $137 |
| Ohio | $75 | $145 |
| Oklahoma | $91 | $202 |
| Oregon | $110 | $191 |
| Pennsylvania | $88 | $206 |
| Rhode Island | $121 | $215 |
| South Carolina | $94 | $175 |
| South Dakota | $57 | $179 |
| Tennessee | $77 | $157 |
| Texas | $120 | $244 |
| Utah | $100 | $171 |
| Vermont | $47 | $112 |
| Virginia | $92 | $150 |
| Washington | $88 | $164 |
| West Virginia | $88 | $179 |
| Wisconsin | $64 | $142 |
| Wyoming | $43 | $132 |
Audi Q7 Insurance Cost by Driver Profile
Your driving profile, especially age and driving history, dramatically impacts Audi Q7 insurance costs. Monthly rates reach $367 for Young Drivers under 25 with clean records, while Adult Drivers between 26-64 without violations pay just $145 monthly for the same coverage.
| Adult Drivers | $99 | $192 |
| Young Drivers | $251 | $483 |
| Senior Drivers | $132 | $242 |
| Drivers With a Speeding Ticket | $123 | $241 |
| Drivers With an Accident | $146 | $281 |
| Drivers With a DUI | $183 | $352 |
| Drivers With Bad Credit | $237 | $478 |
Is an Audi Q7 Expensive to Insure?
Compared to the rest of the models on the U.S. market, an Audi Q7 ranks 481st out of 827. This means it is one of the more expensive cars to insure. Among midsize luxury SUVs, the model ranks 13th out of 28.
| Lincoln Aviator | $63 | $123 |
| Jaguar S-Type | $67 | $130 |
| Alfa Romeo Stelvio | $67 | $131 |
| Buick Rainier | $72 | $139 |
| Infiniti QX | $74 | $142 |
| Land Rover LR3 | $74 | $143 |
| Mercedes M-Class | $74 | $144 |
| Infiniti FX | $87 | $169 |
| Lexus RX | $96 | $186 |
| Lexus GX | $96 | $187 |
| Land Rover Discovery | $98 | $191 |
| Land Rover LR4 | $98 | $190 |
| Audi Q7 | $99 | $192 |
| Lexus RZ | $100 | $195 |
| Mercedes GLC | $103 | $200 |
| Volvo XC90 | $107 | $207 |
| Mercedes GLE | $112 | $218 |
| Audi Q8 | $116 | $225 |
| Genesis GV70 | $121 | $236 |
| Lincoln Nautilus | $121 | $236 |
| Mercedes EQE | $122 | $239 |
| Cadillac Visitiq | $129 | $253 |
| Bmw iX | $145 | $284 |
| Rivian R1S | $146 | $286 |
| Audi e-tron | $152 | $298 |
| Maserati Levante | $178 | $347 |
| Audi Q6 e-tron | $317 | $625 |
| Audi SQ8 e-tron | $426 | $838 |
Factors That Affect Audi Car Insurance Costs
Several factors affect what you'll pay for Audi Q7 insurance coverage:
- Age (35 to 54 median): Family-oriented demographics typically receive favorable rates due to responsible driving patterns and established financial stability.
- Gender (66% male): Male ownership reflects traditional luxury SUV buyer patterns, though the Q7's family focus moderates performance-related risk behaviors.
- Income ($100,000+ median): High creditworthiness and homeownership rates reduce premiums, while financial stability suggests proper vehicle maintenance and comprehensive coverage selection.
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,437. Audi Q7 repair costs average $1,947 annually, making it one of Audi's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Audi Q7's balanced performance characteristics avoid extreme risk classifications while maintaining luxury appeal. The 45 TFSI's 261-hp turbocharged four-cylinder engine provides adequate power, while the 55 TFSI's 335-hp V6 delivers more capability with 5.0-second 0-60 acceleration and 7,700-pound towing capacity.
Premium Plus trims and Prestige models feature expensive technology, including Bang & Olufsen premium audio, Audi Virtual Cockpit, and advanced safety systems. The three-row SUV's curb weight of 5,071 pounds and IIHS Top Safety Pick award may provide some insurance benefits, though the luxury features and higher MSRPs increase comprehensive coverage costs.
Fuel Type
The Audi Q7 operates on premium unleaded gasoline across both engine options, with mild-hybrid technology enhancing efficiency. The turbocharged engines require high-octane fuel and specialized service protocols, though the Q7's more conservative tuning reduces performance-related maintenance demands.
Both the four-cylinder and V6 engines feature sophisticated direct-injection turbo systems with 48-volt mild-hybrid assistance. While this technology improves fuel economy and reduces emissions, it requires specialized diagnostic equipment and trained technicians for service, potentially limiting repair facility options and increasing labor costs during insurance claims.
Location
Audi Q7 ownership patterns mirror luxury SUV demographics, concentrating in affluent suburban and metropolitan areas where three-row family vehicles are most popular. Ownership is clustered in high-income regions, including California, the Northeast, and affluent Texas suburbs.
The vehicle's family-oriented luxury positioning appeals to professionals and established households in markets with strong educational systems and premium automotive service networks. Insurance rates vary by region, from $2,126 annually in Raleigh, NC to $4,106 in Philadelphia, PA, reflecting local population density, theft rates, and repair facility costs in different markets.
Driver Profile
Most Audi Q7 drivers represent affluent families and established professionals with household incomes exceeding $100,000 annually, following typical Audi owner demographics. The three-row SUV attracts parents and multi-generational households seeking luxury combined with practicality.
Driver demographics affecting Audi Q7 rates:
How to Lower the Cost of Audi Q7 Insurance
Below we explore the top car insurance discounts available for your Audi Q7:
- 1Choose the right coverage
When choosing how much coverage to buy, base it off how much your Q7 is worth, how much you drive and what you can afford to spend.
- 2Research costs and cheap companies
Researching average auto insurance costs for your Audi Q7 will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Audi Q7, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings.
- 4Explore discounts you qualify for
Finding car insurance discounts can help you get the cheapest rate possible. Look for multi-car/multi-vehicle discounts bundling/multi-policy discounts, good driver/safe driver discounts, safety features/advanced safety discounts and professional/occupation discounts.
- 5Consider alternative car insurance types
Audi Q7 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Audi Q7 insurance by up to 24%.
Audi Q7 Insurance Cost: Bottom Line
Insuring an Audi Q7 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Audi Q7 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi Q7.
What is the average cost of car insurance for an Audi Q7?
The Audi Q7's average annual insurance cost is $1,184 for state minimum coverage and $2,302 for full coverage.
What company has the cheapest car insurance for an Audi Q7?
Q7 drivers looking for comprehensive protection will find GEICO offers the most affordable full coverage car insurance at $157 monthly. If you only need basic coverage to meet legal requirements, GEICO also provides the cheapest minimum coverage policies for Q7 owners at $72 per month.
Are Audi Q7s expensive to insure?
Yes, Audi Q7 insurance costs more than most cars. Out of 827 vehicles we track, the Q7 ranks 481st for affordability. Among midsize luxury SUVs, this model sits at 12th out of 28.
What factors affect insurance costs for Audi Q7s?
Several factors affect your Audi Q7 rates. These include higher repair costs for luxury vehicle parts, your driving record and credit score, coverage choices and your location. Areas with higher theft rates or limited access to certified Audi repair facilities typically have higher premiums.
How can I lower Audi Q7 insurance costs?
Shop around with multiple insurers as rates vary for Audis, and consider usage-based insurance programs that track your driving habits. Take advantage of Audi's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi Q7 Insurance Costs
Data Source:
- "Hundreds of millions of quote estimates" - This suggests a very large dataset, likely aggregated from insurance company quotes or a major comparison platform
- Covers all car models from 2000-2025, providing broad market context
Base Driver Profile
They're using a specific, low-risk profile:
- 40-year-old unmarried male - Middle-aged, statistically lower-risk than younger drivers
- Perfect driving record - No tickets, accidents, or claims
- Good credit - Important since most insurers use credit-based insurance scores
- Average mileage - 12,000 miles/year is typical for personal use
- Clean license history - No suspensions or violations
Why this profile matters: This represents an ideal customer from an insurer's perspective, so these rates would be on the lower end of what most people actually pay. Real-world rates would be higher for drivers with tickets, claims, poor credit, or who are younger/older.
Coverage Comparisons
They're showing two tiers:
- Minimum Coverage - Just what the state legally requires
- Typically liability-only
- Cheapest option but offers minimal protection
- Full Coverage - Comprehensive protection
- 100/300/100 liability means:
- $100k per person for bodily injury
- $300k total per accident for bodily injury
- $100k for property damage
- Plus comprehensive & collision with $1,000 deductibles
- This protects your own vehicle, not just others
- 100/300/100 liability means:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.