When looking for auto insurance for your Audi Q7, note that rates will vary based on model year and the driver’s age. For a full coverage policy, a 16-year-old pays an average of $6,687 annually for a 2009 model and $8,591 for a 2022 model. Meanwhile, a 40-year-old spends $1,447 for a 2009 model and $1,913 for a 2022 model. Since cost is not the only factor you should consider while choosing the best car insurance, MoneyGeek determined the top providers that combine affordability with customer satisfaction and claims experience.
Compare the Cost of Audi Q7 Insurance by Model Year and Company
Updated: January 15, 2025
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Key Takeaways
When seeking auto insurance for your Audi Q7, affordability is a key concern. Based on the information provided, State Farm emerges as the most cost-effective insurer for both full and minimum coverage, offering competitive rates across various model years and driver ages.
For full coverage policies:
- Cheapest Option: State Farm with an average premium of $1,335 annually.
- Most Expensive Option: Farmers with a premium of $2,014 annually.
For minimum coverage policies:
- Cheapest Option: State Farm with an average annual premium of $473.
- Most Expensive Option: Farmers at $788 annually.
State Farm not only provides affordability but also rates highly on customer satisfaction, scoring 90 out of 100 according to MoneyGeek's evaluation. This makes State Farm a well-rounded choice for budget-conscious Audi Q7 owners without compromising service quality.
It's crucial to compare quotes and consider factors such as customer experience and claims handling when choosing your insurer. Moreover, expect insurance costs to vary based on the model year, your age, and your location, with newer models and younger drivers generally facing higher premiums.
For insuring an Audi Q7, State Farm stands out as the best car insurance provider combining affordability with high customer satisfaction. According to MoneyGeek, State Farm has a score of 90 out of 100, making it the top choice for Audi Q7 drivers. The annual premium for a full coverage policy from State Farm is $1,335. This makes State Farm not only the most affordable option but also one that offers quality service, making it a reliable choice for Audi Q7 owners.
When discussing how age affects car insurance premiums, particularly for an Audi Q7, it's important to understand the general trend that younger drivers, especially teenagers, tend to pay significantly higher rates than older, more experienced drivers. This variance is due to several factors, including lack of driving experience and a statistically higher likelihood of being involved in accidents.
Insurance Rates by Age for Audi Q7
16-Year-Old Driver:
- For a 2009 Audi Q7 model, a 16-year-old typically pays around $6,687 annually.
- For a 2022 Audi Q7 model, the cost increases to approximately $8,591 annually.
40-Year-Old Driver:
- The same 2009 Audi Q7 model costs a 40-year-old about $1,447 a year.
- For the 2022 model, a 40-year-old would pay around $1,913 annually.
Trends and Rate Decreases Over Time
General Trends:
- Teen drivers (especially those around 16) face steep insurance premiums due to a lack of driving history which correlates with a higher risk of accidents.
- As drivers age and gain more experience, insurance rates decrease significantly.
- By the time drivers reach their 20s, insurance costs stabilize and continue to be relatively lower through their 30s, 40s, and beyond.
Age-Based Rate Reduction:
- As young drivers accumulate safe driving history, many insurers gradually reduce rates.
- Insurance rates are typically much lower for drivers aged 30 and above compared to teen drivers.
- A 40-year-old driver, for example, pays significantly less for insurance than a 16-year-old. The differences can be observed through the data provided, where a 16-year-old pays around 5 to 6 times more for similar coverage than a 40-year-old.
Influence of Other Factors
While age is a significant factor, other elements such as the car's model year, the chosen insurance provider, and the driver’s location also greatly affect insurance premiums:
- Model Year: Newer car models like the 2022 Audi Q7 are generally more expensive to insure than older models, primarily due to higher repair costs and value.
- Insurance Provider: Different insurance companies offer varying rates based on their risk assessment and business models. For instance, State Farm offers competitive rates for full coverage policies compared to Farmers.
- Location: Where you live also impacts your premium because of varying state regulations, traffic density, and other local factors.
Overall, while young drivers face high insurance costs initially, these expenses typically decrease as they age and gain on-road experience, achieving a more favorable driving record over time. It underscores the importance of comparing rates between different insurers to find the most cost-effective coverage.
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for an Audi Q7.
These rates were updated to reflect the average cost of car insurance for an Audi Q7 as of 2023.
10Companies Compared
41,832 Quotes Analyzed
Average Cost and Cheapest Companies for Insuring a Audi Q7
The average yearly Audi Q7 insurance cost is $1,690, although the provider you choose for your policy may impact your premium significantly. State Farm is the cheapest car insurance provider for a full coverage policy on an Audi Q7 at an average of $1,335 annually. The same policy from Farmers costs $2,014, making it the most expensive provider. If you need a minimum coverage policy, State Farm again has the lowest average annual premium at $473, while Farmers is the most expensive at $788. You can save on costs by comparing rates between providers.
Data filtered by:Results filtered by:
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Age:40
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Coverage:Full Coverage
| State Farm | $1,335 |
| GEICO | $1,452 |
| Progressive | $1,599 |
| Nationwide | $1,629 |
| Travelers | $1,658 |
| Allstate | $1,821 |
| Farmers | $2,014 |
Is an Audi Q7 Expensive to Insure?
Insurance providers consider several factors when estimating rates for specific car models. Costs are usually higher for models with more expensive repair costs and higher chances of theft, crashing or rollover incidents.
Despite the Audi Q7 being a family SUV, it’s moderately expensive to insure relative to other car models. One reason could be the value of the car and the high repair costs. Some models also have high horsepower, which makes it more risky to insure.
Best Companies for Insuring an Audi Q7
As you shop around for the car insurance for your Audi Q7, you should consider factors other than the cost of coverage. Our scoring system analyzes customer experience and claims experience ratings, which are vital when selecting the best insurer for your needs.
According to our scores, the best car insurance providers for Audi Q7 drivers are:
- State Farm: MoneyGeek score of 90 out of 100 ($1,335 per year)
- GEICO: MoneyGeek score of 88 out of 100 ($1,452 per year)
State Farm is the lowest-priced insurer with the second-highest customer satisfaction rating. Audi Q7 drivers can be sure to find a balance of affordability and quality service with this company.
MoneyGeek Top Pick: State Farm
pros
Offers the lowest average premium for the Audi Q7
Highly ranked in customer satisfaction
Offers roadside assistance and rental car reimbursement coverage
cons
Below-average claims management rating
Few unique coverage options
No deductible modification, accident forgiveness, gap insurance or new car replacement coverage
COMPANY HIGHLIGHTS
State Farm provides the best premium rates and high-quality customer service for Audi Q7 owners. However, the insurer offers limited add-on coverage options that may benefit its customers.
You can purchase State Farm’s roadside assistance coverage to have your provider pay for up to one hour of mechanical labor if your Audi Q7 breaks down on the road. With this coverage, you also get towing services to a repair shop, locksmith labor for one hour if your key gets lost or stolen and oil, battery, gas or tire delivery.
The insurer’s rental car reimbursement coverage pays the expenses of renting a car if yours gets damaged in a covered accident. The limits will depend on your policy guidelines. State Farm will also reimburse you for travel expenses up to $500 for lodging, meals and transportation. If you are responsible for an accident while in a rental car, State Farm will pay up to $500 of the deductible.
MoneyGeek reviewed State Farm’s features and policy offers for more information on this provider.
MoneyGeek Runner-Up: GEICO
pros
Second-cheapest insurer for an Audi Q7
Highly ranked in customer satisfaction
Offers accident forgiveness and mechanical breakdown insurance (MBI)
cons
Below average claims experience score
Lacks deductible modification, new car replacement, gap insurance and original equipment manufacturer (OEM) coverage
COMPANY HIGHLIGHTS
GEICO is our pick for the second-best insurer for its commitment to balancing quality customer service with low car insurance premiums for an Audi Q7. The insurer offers valuable coverages like MBI, roadside assistance, rental reimbursement and accident forgiveness.
GEICO’s MBI can help protect your Audi Q7 from any damaged systems and parts at a cheaper cost than the original manufacturer’s warranty. This coverage applies to new or leased cars less than 15 months old and driven for 15,000 miles or less.
You can also earn GEICO’s accident forgiveness coverage or purchase it in all states, except Connecticut, California and Massachusetts. This coverage ensures your premiums do not increase after your first at-fault accident.
Learn more about GEICO’s auto insurance from our company review.
Cost of Insuring a Audi Q7 by Model Year
The average cost of a full coverage policy for a 2009 Audi Q7 model is $1,447 per year, $466 lower than a 2022 model. Comprehensive and collision car insurance rates decrease as the car depreciates in value. Consequently, the average cost of car insurance will be more expensive for a newer Audi Q7 model than than an older one. You can select your model year in the following table to see how much your cost will vary compared to other years.
Data filtered by:Results filtered by:
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Age:40
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Coverage:Full Coverage
| 2022 | $1,913 |
| 2021 | $1,853 |
| 2020 | $1,774 |
| 2019 | $1,748 |
| 2018 | $1,696 |
| 2017 | $1,644 |
| 2016 | $1,646 |
| 2015 | $1,621 |
| 2014 | $1,571 |
| 2013 | $1,575 |
| 2012 | $1,552 |
| 2011 | $1,490 |
| 2010 | $1,483 |
| 2009 | $1,447 |
The average cost of car insurance for an Audi Q7 differs depending on the provider and the car’s model year. Our study finds that State Farm remains the most affordable insurer for all model years, providing full coverage policies at an annual average of $1,069 for a 2009 model and $1,578 for a 2022 model.
Data filtered by:Results filtered by:
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Model Year:2022
Select
Age:40
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Coverage:Full Coverage
| State Farm | $1,578 |
| Nationwide | $1,649 |
| Progressive | $1,701 |
| GEICO | $1,719 |
| Travelers | $1,758 |
| Farmers | $2,401 |
| Allstate | $2,462 |
Cost of Insuring a Audi Q7 for 16- to 25-Year-Olds
Teen drivers and drivers in their 20s pay more for auto insurance for the Audi Q7 than drivers aged 30 and above. A 16-year-old pays about $7,495 per year for a full coverage policy, while a 40-year-old only pays $1,644. Rates for young drivers decrease as teens get older and stabilize once they reach their 20s. You can secure the most affordable auto insurance for teens by comparing rates across multiple insurers.
Auto insurance rates are significantly lower if teen drivers get added to a family plan. Individual plans cost substantially more. State Farm is the cheapest provider for a 16-year-old driving a 2012 Audi Q7, at an annual average of $4,175 for a full coverage individual policy. Farmers is the most expensive at an average of $9,525 for the same model year. Individuals and families can obtain the cheapest teen car insurance by shopping around.
Data filtered by:Results filtered by:
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Age:16
Select
Model Year:2022
Select
Coverage:Full Coverage
| State Farm | $5,108 |
| Nationwide | $6,704 |
| Travelers | $7,417 |
| GEICO | $7,981 |
| Progressive | $9,774 |
| Allstate | $10,587 |
| Farmers | $11,632 |
How Does Location Affect the Cost of Audi Q7 Insurance?
Aside from your age, car model year and the insurer, where you live will significantly influence your rates, and the most affordable insurer will vary by state. Idaho offers the lowest average car insurance premiums, while Florida offers the highest. When purchasing auto insurance for an Audi Q7, you can save money by comparing quotes from the most affordable insurers within your state.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
Frequently Asked Questions About Audi Q7 Insurance
How much you pay for auto insurance on your Audi Q7 varies significantly based on model year, your age and your provider. MoneyGeek answered some commonly asked questions to help you find the best company for your needs.
What company has the cheapest car insurance for an Audi Q7?
Auto insurance for an Audi Q7 costs an average of $1,690 per year, which is moderately priced compared to other models. MoneyGeek’s analysis shows that State Farm has the lowest auto insurance rates for an Audi Q7, at an average of $1,335 annually for a full coverage policy. However, your best option will vary depending on your coverage needs.
What company offers the best car insurance for an Audi Q7?
MoneyGeek’s top pick for the best auto insurance company for an Audi Q7 is State Farm, scoring 90 out of 100 in our analysis. The insurer ranked highly in affordability and customer satisfaction. It also offers valuable coverage options that could save you money in the long run. GEICO ranked second with a score of 88 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.