Audi Q7 insurance costs vary by model year, with monthly premiums ranging from $241 for 2025 models down to $60 for older versions. Newer Q7s cost more to insure because they have higher market values.
Audi Q7 Insurance Cost
Updated: January 21, 2026
Key Takeaways
Audi Q7 insurance costs an average of $192 monthly for full coverage. Rates vary by model year and insurer, with Progressive offering the lowest average rates for full coverage for newer models. Read more
The Q7 ranks 127th out of 256 SUVs for insurance affordability. SUVs cost more to insure than most vehicle types, making the Q7 expensive compared to typical cars. Read more
Check rates for your Q7's model year to get accurate insurance costs. Read more
How Much Is Audi Q7 Insurance?
Looking for another Audi model? Read more about the cost of Audi car insurance models.
Costs vary by model year and company. Audi Q7 minimum coverage spans $72 monthly with GEICO to $151 with UAIC, while full coverage goes from $157 with GEICO to higher rates with other insurers.
The differences (more than $79 for minimum coverage and $176 for full coverage) highlight why comparing insurers matters for Q7 owners. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $113 | $234 |
| AIG | $135 | $333 |
| Allstate | $130 | $251 |
| Amica | $125 | $255 |
| Chubb | $126 | $251 |
| Farmers | $144 | $253 |
| Geico | $72 | $157 |
| Kemper | $95 | $194 |
| Nationwide | $107 | $186 |
| Progressive | $91 | $171 |
| State Farm | $89 | $187 |
| The Hartford | $102 | $174 |
| Travelers | $87 | $162 |
| UAIC | $151 | $188 |
Is Audi Q7 Expensive to Insure?
MoneyGeek's analysis of 256 SUVs reveals the Audi Q7 ranks 127th for insurance affordability. This middle-tier positioning means 126 SUVs cost less to insure, placing it just a few dollars per month more expensive than a Cadillac Optiq and slightly cheaper than a Nissan Juke. The Q7's moderate ranking among SUVs provides helpful context for luxury vehicle shoppers.
SUVs are expensive to insure overall, and the Q7's 481st place out of 827 total vehicles confirms it's among the pricier half of all models. While the Isuzu Amigo claims the most affordable SUV spot, the Audi SQ8 e-tron commands the highest premiums in this vehicle category.
| Land Rover LR4 | $144 | 124 |
| Mitsubishi Outlander | $144 | 125 |
| Land Rover Discovery | $144 | 125 |
| Cadillac Optiq | $145 | 126 |
| Audi Q7 | $145 | 127 |
| Nissan Juke | $146 | 128 |
| Mercedes GLB | $146 | 129 |
| Mercedes GLA | $146 | 130 |
Several factors affect what you'll pay for Audi Q7 insurance:
- Average Repair or Replacement Costs: The Audi Q7's annual repair costs average $1,947, ranking it as the 7th most expensive Audi model to maintain out of 33. These moderate maintenance expenses directly influence your insurance premiums.
- Vehicle Trim, Features and Accessories: Performance capabilities vary across Q7 trims, with horsepower ranging from 248 to 500. Higher-performance variants cost more to insure due to their increased power and associated risk factors.
- Driver Profile: Most Q7 owners fall between 35 and 55 years old with higher incomes, securing better rates due to favorable risk profiles. However, the vehicle's performance reputation attracts driving behaviors that concern insurers. Read more about the costs of Audi Q7s for young drivers.
Audi Q7 Insurance Cost by State
Audi Q7 insurance for minimum coverage costs as little as $43 monthly in Wyoming or as much as $193 in Louisiana, depending on where you're located.
| 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 Costs by Model Year and Insurance Company
A 2025 Audi Q7 costs $271 per month to insure for drivers aged 35 to 55, while a 2015 model runs just $181 monthly for the same age group. Your model year and driver age both affect your Audi Q7 insurance costs. Newer vehicles command higher premiums, and teen or young adult drivers pay more across all model years.
Older models (2017 to 2020):
Cost of Car Insurance for 2025 Audi Q7
| Geico | $92 | $201 |
| Progressive | $100 | $188 |
| Travelers | $105 | $194 |
| National General | $109 | $224 |
| Nationwide | $115 | $200 |
| State Farm | $118 | $248 |
| Kemper | $120 | $246 |
| The Hartford | $139 | $237 |
| AAA | $144 | $299 |
| Allstate | $159 | $307 |
| Amica | $162 | $333 |
| AIG | $177 | $443 |
| Chubb | $180 | $362 |
| UAIC | $183 | $233 |
| Farmers | $202 | $357 |
Cost of Car Insurance for 2024 Audi Q7
| Geico | $89 | $195 |
| Progressive | $97 | $182 |
| Travelers | $102 | $189 |
| National General | $106 | $218 |
| Nationwide | $111 | $194 |
| State Farm | $114 | $240 |
| Kemper | $117 | $239 |
| The Hartford | $135 | $230 |
| AAA | $140 | $290 |
| Allstate | $154 | $298 |
| Amica | $157 | $323 |
| AIG | $171 | $430 |
| Chubb | $175 | $351 |
| UAIC | $178 | $226 |
| Farmers | $197 | $346 |
Cost of Car Insurance for 2023 Audi Q7
| Geico | $61 | $133 |
| Progressive | $66 | $124 |
| Travelers | $69 | $129 |
| National General | $73 | $149 |
| Nationwide | $76 | $133 |
| State Farm | $78 | $164 |
| Kemper | $80 | $163 |
| The Hartford | $92 | $157 |
| AAA | $95 | $198 |
| Allstate | $105 | $203 |
| Amica | $107 | $221 |
| AIG | $117 | $294 |
| Chubb | $119 | $240 |
| UAIC | $121 | $154 |
| Farmers | $134 | $236 |
Cost of Car Insurance for 2022 Audi Q7
| Geico | $51 | $112 |
| Progressive | $56 | $105 |
| Travelers | $58 | $108 |
| National General | $61 | $125 |
| Nationwide | $64 | $112 |
| State Farm | $65 | $138 |
| Kemper | $67 | $137 |
| The Hartford | $77 | $132 |
| AAA | $80 | $167 |
| Allstate | $89 | $171 |
| Amica | $90 | $186 |
| AIG | $98 | $247 |
| Chubb | $100 | $202 |
| UAIC | $102 | $130 |
| Farmers | $113 | $199 |
Cost of Car Insurance for 2021 Audi Q7
| Geico | $45 | $98 |
| Progressive | $49 | $91 |
| Travelers | $51 | $94 |
| National General | $53 | $109 |
| Nationwide | $56 | $97 |
| State Farm | $57 | $120 |
| Kemper | $58 | $120 |
| The Hartford | $67 | $115 |
| AAA | $70 | $145 |
| Allstate | $77 | $149 |
| Amica | $79 | $162 |
| AIG | $86 | $215 |
| Chubb | $88 | $176 |
| UAIC | $89 | $113 |
| Farmers | $98 | $173 |
Cost of Car Insurance for 2020 Audi Q7
| Geico | $88 | $193 |
| National General | $90 | $185 |
| Travelers | $94 | $175 |
| Progressive | $102 | $192 |
| State Farm | $103 | $216 |
| The Hartford | $105 | $179 |
| Kemper | $109 | $224 |
| Nationwide | $123 | $213 |
| AAA | $132 | $276 |
| Chubb | $136 | $274 |
| UAIC | $145 | $181 |
| Amica | $147 | $302 |
| Allstate | $150 | $291 |
| AIG | $164 | $410 |
| Farmers | $164 | $288 |
Cost of Car Insurance for 2019 Audi Q7
| Geico | $82 | $180 |
| National General | $88 | $181 |
| Travelers | $90 | $167 |
| State Farm | $100 | $210 |
| Progressive | $102 | $192 |
| The Hartford | $105 | $179 |
| Kemper | $112 | $230 |
| Nationwide | $117 | $204 |
| AAA | $128 | $265 |
| Amica | $134 | $276 |
| Chubb | $134 | $270 |
| Allstate | $144 | $278 |
| UAIC | $148 | $185 |
| AIG | $153 | $382 |
| Farmers | $159 | $277 |
Cost of Car Insurance for 2018 Audi Q7
| Geico | $74 | $162 |
| National General | $80 | $163 |
| Kemper | $89 | $184 |
| The Hartford | $94 | $160 |
| State Farm | $94 | $197 |
| Travelers | $96 | $179 |
| Progressive | $103 | $193 |
| Nationwide | $113 | $197 |
| Chubb | $117 | $234 |
| Amica | $124 | $254 |
| AAA | $130 | $269 |
| UAIC | $132 | $162 |
| AIG | $135 | $331 |
| Farmers | $153 | $268 |
| Allstate | $158 | $305 |
Cost of Car Insurance for 2017 Audi Q7
| Geico | $64 | $139 |
| National General | $67 | $137 |
| Travelers | $73 | $134 |
| State Farm | $81 | $168 |
| Kemper | $86 | $177 |
| Progressive | $86 | $162 |
| Nationwide | $91 | $158 |
| The Hartford | $93 | $159 |
| AAA | $103 | $213 |
| Chubb | $103 | $205 |
| Amica | $107 | $219 |
| Allstate | $119 | $229 |
| AIG | $121 | $294 |
| UAIC | $130 | $161 |
| Farmers | $133 | $233 |
Audi Q7 Insurance Cost by Trim
Audi Q7 insurance costs range from $64 monthly for minimum coverage on basic 3.0t S Line Prestige models to $289 for full coverage on high-performance 3.0 Tdi Quattro Premium variants. Your trim's performance features, rarity, and market value determine where you'll fall in this range.
| 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 |
How to Lower the Cost of Audi Q7 Insurance
We've compiled proven strategies to help you find better rates on your Audi Q7 insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Audi Q7. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical pricing helps you identify genuine savings versus inflated quotes from insurers targeting premium vehicle owners.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau records and confirm AM Best financial ratings. Budget options could provide limited coverage or slower service when you need to file a claim on your luxury vehicle.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Audi Q7 owners qualify for safety features discounts, multi-vehicle savings, bundling discounts and good driver rewards. Many insurers also offer professional discounts for business owners in areas like Manhattan's Financial District or Silicon Valley tech centers.
- 5Consider alternative car insurance types
Audi Q7 owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions. Pay-per-mile programs work especially well for luxury vehicle owners who drive infrequently or primarily use their Q7 for weekend trips.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Audi Q7 insurance. Rate changes happen frequently in the luxury vehicle market, making regular shopping essential for maintaining affordable coverage.
Audi Q7 Insurance Cost: Bottom Line
Audi Q7 insurance costs average compared to other vehicles, 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
What is the average cost of car insurance for an Audi Q7?
Audi Q7 insurance costs $1,184 annually for minimum coverage and $2,302 for full coverage. These rates represent solid value compared to national averages for luxury SUVs.
What company has the cheapest car insurance for an Audi Q7?
Progressive has the cheapest rates for full coverage for the newer model Audi Q7s. GEICO cheapest minimum coverage for most years.
Are Audi Q7s expensive to insure?
No, Audi Q7 insurance is not more expensive than most vehicles to insure. Among SUVs, this model ranks 127th out of 256 for affordability, while placing 481st out of 827 vehicles overall.
What factors affect insurance costs for Audi Q7s?
Multiple factors affect Audi Q7 insurance rates. Luxury parts make repairs expensive, and these premium SUVs face higher theft rates that concern insurers. However, advanced safety features help reduce accident claims. Your driving record, credit score, and coverage selections also impact your final premium costs.
How can I lower Audi Q7 insurance costs?
Compare quotes from several insurers since Audi Q7 pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Audi Q7 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Audi Q7 insurance costs.
Who We Based These Rates On
These Audi Q7 rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.