The full coverage insurance cost for an Audi Q7 ranges from $1,279 to $7,167 annually. Rates depend on the car's model year, the driver's age, location, driving history and coverage level. This article examines Audi Q7 insurance costs, coverage options and the best companies for affordable rates.
Audi Q7 Insurance Cost
Updated: March 10, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage for all Audi Q7 model years at $473 annually.
The average yearly cost for insuring an Audi Q7 is $611 for minimum coverage and $1,639 for full coverage.
MoneyGeek analyzed data and 4,183 quotes for the Audi Q7, providing a comprehensive view of insurance costs.
Audi Q7 Insurance Rates
What Is the Average Audi Q7 Car Insurance Cost?
The average cost of full coverage insurance for an Audi Q7 is $137 per month or $1,639 per year, based on a 40-year-old male driver with a clean record. For minimum coverage, the average cost is $51 per month or $611 per year.
| Minimum Coverage | $611 |
| Full Coverage | $1,639 |
Audi Q7 Insurance Costs by Company
Audi Q7 insurance costs range from $1,332 to $2,328 per year, varying by age, model year and coverage level. The table below compares average Audi Q7 insurance rates to the averages for all vehicles from various national and midsize providers.
| Allstate | $1,900 | $1,791 | 6% |
| Auto-Owners | $1,341 | $1,223 | 10% |
| Farmers | $2,140 | $1,929 | 11% |
| GEICO | $1,488 | $1,320 | 13% |
| Kemper | $2,328 | $2,163 | 8% |
| Nationwide | $1,758 | $1,583 | 11% |
| Progressive | $1,659 | $1,734 | -4% |
| State Farm | $1,383 | $1,262 | 10% |
| Travelers | $1,714 | $1,514 | 13% |
| USAA | $1,332 | $1,195 | 11% |
Read more: Best Car Insurance Companies
Cost of Insuring an Audi Q7 by Model Year
The year your Audi Q7 was produced can impact your insurance rates, with older vehicles often costing less to insure. For example, full coverage for a 2022 Audi Q7 costs about $1,904 annually, while a 2009 model costs around $1,412. Below are the average full and minimum coverage rates for every Audi Q7 production year.
| 2022 | $595 | $1,904 |
| 2021 | $598 | $1,850 |
| 2020 | $583 | $1,803 |
| 2019 | $614 | $1,763 |
| 2018 | $621 | $1,716 |
| 2017 | $605 | $1,686 |
| 2016 | $636 | $1,656 |
| 2015 | $642 | $1,625 |
| 2014 | $620 | $1,593 |
| 2013 | $646 | $1,560 |
| 2012 | $646 | $1,528 |
| 2011 | $620 | $1,489 |
| 2010 | $643 | $1,450 |
| 2009 | $639 | $1,412 |
Audi Q7 Insurance Costs by Driver Age
Audi Q7 insurance rates differ significantly by driver age. For instance, a 16-year-old may pay about $7,167 annually for full coverage, while a 40-year-old pays around $1,645 for the same policy. The table below highlights average rates for minimum and full coverage across various age groups.
| 16 | $2,858 | $7,167 |
| 17 | $2,312 | $5,836 |
| 18 | $2,023 | $5,156 |
| 19 | $1,447 | $3,704 |
| 20 | $1,302 | $3,371 |
| 21 | $1,033 | $2,716 |
| 22 | $944 | $2,499 |
| 23 | $877 | $2,334 |
| 24 | $834 | $2,221 |
| 25 | $729 | $1,972 |
| 26 | $711 | $1,912 |
| 27 | $694 | $1,869 |
| 28 | $682 | $1,839 |
| 29 | $672 | $1,812 |
| 30 | $648 | $1,742 |
| 35 | $629 | $1,681 |
| 40 | $622 | $1,645 |
| 45 | $616 | $1,619 |
| 50 | $602 | $1,566 |
| 55 | $586 | $1,520 |
| 60 | $586 | $1,514 |
| 65 | $624 | $1,560 |
| 70 | $677 | $1,669 |
| 75 | $752 | $1,830 |
| 80 | $852 | $2,036 |
| 85 | $923 | $2,187 |
| 90 | $976 | $2,294 |
Audi Q7 Insurance Rates Explained
Several factors tied to your driver profile influence car insurance rates. However, insurers also consider vehicle-related aspects. The breakdown below highlights how your car choice affects insurance costs, helping you understand its impact on your premiums.
Audi Q7 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Audi Q7
Average Full Coverage Rate
$1,639Premiums for Audi Q7 are:$343 more
This is 26% more expensive.
Value
The Audi Q7's MSRP is $76,295, classifying it as a luxury SUV. This high MSRP can raise insurance premiums as insurers consider vehicle replacement or repair costs.
Repair costs
The annual repair cost for the Audi Q7 is $1,185, higher than the national average of $652. Expensive parts and labor can increase insurance costs.
Performance
The Audi Q7's horsepower range is 261 to 335, reflecting moderate performance. This makes it less likely to be classified as high-risk by insurers, resulting in relatively moderate insurance costs.
Vehicle age
Newer cars like the Audi Q7 are generally more expensive to insure than older models. However, classic cars can be exceptions and may have high insurance costs.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Audi Q7 for insurance discounts. It has a 5/5 NHTSA safety rating.
Vehicle size
Larger vehicles like the Audi Q7, with a curb weight of 5,071 lbs, may have higher insurance costs due to potential property damage.
Trim level
Higher trim levels with premium upgrades increase the MSRP, raising insurance costs. For example, the Prestige trim costs more to insure than the base model.
Theft rates
Vehicles with higher theft risks cost more to insure. The Audi Q7 has a moderate theft claim frequency of 86, which may slightly increase insurance rates.
Cheapest Audi Q7 Insurance
State Farm offers the cheapest insurance rate for Audi Q7 at $473 annually for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest rates across various coverage levels, age groups, driving records, model years and more.
Cheapest Audi Q7 Insurance by Coverage Level
The coverage level you choose significantly impacts your Audi Q7 insurance rate. State Farm provides the most affordable state minimum and full coverage rates. The table below details the cheapest providers for each coverage type.
Cheapest Audi Q7 Minimum Coverage
State Farm offers the cheapest minimum coverage for an Audi Q7 at $39 monthly. GEICO, Progressive and Travelers also provide competitive rates, ranging from $43 to $51.
| USAA | $37 | $449 |
| State Farm | $39 | $473 |
| GEICO | $43 | $522 |
| Progressive | $47 | $564 |
| Travelers | $51 | $614 |
| Nationwide | $54 | $644 |
| Allstate | $57 | $688 |
| Farmers | $63 | $752 |
*State Farm offers the lowest average minimum coverage insurance rate for non-military-affiliated Audi Q7 owners. USAA is the most affordable option for military-affiliated drivers.
Best Audi Q7 Insurance Rates by Model Year
The above list doesn't consider the model production year, so you might find lower rates depending on your vehicle's age. Use the table below to filter and find the cheapest minimum coverage rates for every Audi Q7 production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $692 | $58 |
| Farmers | $777 | $65 |
| GEICO | $554 | $46 |
| Nationwide | $702 | $59 |
| Progressive | $631 | $53 |
| State Farm | $479 | $40 |
| Travelers | $652 | $54 |
| USAA | $428 | $36 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Audi Q7 Insurance
State Farm offers the cheapest full coverage insurance for an Audi Q7 at $112 per month or $1,338 annually. Below is the complete list of providers and their rates for full coverage insurance for an Audi Q7.
| USAA | $107 | $1,279 |
| State Farm | $112 | $1,338 |
| GEICO | $121 | $1,448 |
| Progressive | $133 | $1,594 |
| Nationwide | $136 | $1,634 |
| Travelers | $141 | $1,693 |
| Allstate | $152 | $1,825 |
| Farmers | $166 | $1,995 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Audi Q7 owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Audi Q7 Insurance by Age
Younger drivers aged 16 to 25 and seniors aged 55 and up often pay more for Audi Q7 insurance. Below is a breakdown of the cheapest Audi Q7 insurance options by age.
Cheapest Audi Q7 Insurance for Young Drivers
For young Audi Q7 drivers aged 16 to 25, State Farm provides the cheapest minimum coverage insurance rates, starting at $86 per month or $1,038 annually. The table below shows a complete list of affordable rates for young drivers.
| USAA | $78 | $942 |
| State Farm | $86 | $1,038 |
| GEICO | $103 | $1,240 |
| Travelers | $108 | $1,301 |
| Allstate | $130 | $1,557 |
| Progressive | $138 | $1,652 |
| Nationwide | $141 | $1,696 |
| Farmers | $171 | $2,047 |
*State Farm is the cheapest insurer for young, non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Audi Q7 Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $43 monthly or $521 annually. See the full list of cheap Audi Q7 insurers below:
| State Farm | $43 | $521 |
| USAA | $50 | $600 |
| GEICO | $52 | $619 |
| Progressive | $58 | $697 |
| Travelers | $62 | $743 |
| Nationwide | $63 | $757 |
| Allstate | $70 | $836 |
| Farmers | $84 | $1,011 |
Cheapest Audi Q7 Insurance After an Accident
For Audi Q7 drivers, State Farm, GEICO and Travelers offer the cheapest car insurance after an accident. See the complete list below.
| State Farm | $49 | $593 |
| USAA | $57 | $686 |
| GEICO | $69 | $823 |
| Travelers | $74 | $886 |
| Progressive | $75 | $896 |
| Allstate | $79 | $944 |
| Nationwide | $82 | $987 |
| Farmers | $128 | $1,532 |
Audi Q7 Insurance Cost: Bottom Line
Regularly comparing rates from different providers can help you find the cheapest car insurance. This article examines Audi Q7 insurance costs across various demographics and identifies the most affordable providers.
Audi Q7 Insurance Rates: FAQ
Below are answers to frequently asked questions about Audi Q7 insurance costs to help you understand coverage options and pricing.
What company has the cheapest car insurance for an Audi Q7?
State Farm offers the cheapest car insurance for an Audi Q7 at $473 annually for minimum coverage.
What is the average cost of car insurance for an Audi Q7?
The average annual cost of minimum coverage auto insurance for an Audi Q7 is $611, while a full coverage policy averages $1,639.
Audi Q7 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 quotes for an Audi Q7 from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring an Audi Q7:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Audi Q7 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Audi Q7.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.