Audi A7 Insurance Cost

Full coverage for a Audi A7 costs about $1,825 a year ($152/month) by our estimate — ▲ +15% versus the average vehicle.

Audi A7 exterior (photo from Wikimedia Commons) — Photo: Vauxford, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Audi A7 insurance cost at a glance

Full coverage

$1,825

$152/mo · $1,495–$2,155

Minimum liability

$485

$40/mo

Segment

Luxury car

Gasoline, Hybrid, Plug-in hybrid, Diesel

HLDI collision losses

201

Much worse than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2012–2025 model years of the Audi A7, which is no longer in production.

Estimated Audi A7 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$485	$40	$395–$570
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$700	$58	$575–$830
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,825	$152	$1,495–$2,155

What drives the cost of insuring a Audi A7

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Audi A7's results put our vehicle factor at 0.79× for liability, 1.92× for collision and 1.45× for comprehensive.

HLDI relative insurance losses — Audi A7 4dr 4WD (Large Luxury cars)
Coverage	Index	Rating	What it measures
Collision	201	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	148	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	66	Much better than average	Damage this car does to other vehicles and property

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 1 NHTSA recall campaigns and 0 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi A7 trims and configurations (2025)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
A7 quattro	AWD	3.0L 6-cyl Turbo Hybrid	25

Audi A7 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2025	3.0L 6-cyl Turbo Hybrid	AWD	25	$1,825
2024	3.0L 6-cyl Turbo Hybrid	AWD	25	$1,770
2023	3.0L 6-cyl Turbo Hybrid	AWD	24	$1,715
2022	2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Hybrid	4WD, AWD	24–27	$1,660
2021	2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD	24–29	$1,600
2020	3.0L 6-cyl Turbo Hybrid	AWD	24	$1,545
2019	3.0L 6-cyl Turbo Hybrid	AWD	25	$1,490
2018	3.0L 6-cyl Supercharged	AWD	23	$1,435
2017	3.0L 6-cyl Supercharged	AWD	24	$1,380
2016	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD	24–30	$1,325
2015	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD	21–29	$1,320
2014	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD	21–29	$1,320
2013	3.0L 6-cyl Supercharged	AWD	21	$1,320
2012	3.0L 6-cyl Supercharged	AWD	22	$1,320

Audi A7 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,655	$380	−9%
Alaska	$1,630	$490	−11%
Arizona	$1,880	$520	+3%
Arkansas	$1,710	$355	−6%
California	$1,885	$450	+3%
Colorado	$2,075	$515	+14%
Connecticut	$1,880	$560	+3%
Delaware	$1,895	$630	+4%
District of Columbia	$2,355	$585	+29%
Florida	$2,355	$850	+29%
Georgia	$2,120	$685	+16%
Hawaii	$1,325	$345	−27%
Idaho	$1,255	$315	−31%
Illinois	$1,625	$395	−11%
Indiana	$1,335	$320	−27%
Iowa	$1,325	$245	−27%
Kansas	$1,530	$315	−16%
Kentucky	$1,515	$415	−17%
Louisiana	$2,475	$625	+36%
Maine	$1,210	$335	−34%
Maryland	$2,010	$595	+10%
Massachusetts	$1,825	$465	0%
Michigan	$2,035	$605	+12%
Minnesota	$1,565	$370	−14%
Mississippi	$1,795	$420	−2%
Missouri	$1,690	$405	−7%
Montana	$1,535	$310	−16%
Nebraska	$1,535	$320	−16%
Nevada	$1,910	$685	+5%
New Hampshire	$1,350	$315	−26%
New Jersey	$2,065	$735	+13%
New Mexico	$1,665	$410	−9%
New York	$2,320	$735	+27%
North Carolina	$1,470	$355	−19%
North Dakota	$1,280	$220	−30%
Ohio	$1,345	$320	−26%
Oklahoma	$1,715	$370	−6%
Oregon	$1,545	$495	−15%
Pennsylvania	$1,670	$335	−8%
Rhode Island	$2,125	$645	+16%
South Carolina	$1,840	$575	+1%
South Dakota	$1,520	$250	−17%
Tennessee	$1,585	$355	−13%
Texas	$2,210	$545	+21%
Utah	$1,580	$515	−13%
Vermont	$1,285	$250	−30%
Virginia	$1,575	$495	−14%
Washington	$1,525	$465	−16%
West Virginia	$1,600	$345	−12%
Wisconsin	$1,290	$295	−29%
Wyoming	$1,555	$255	−15%

Audi A7 insurance by driver profile

Estimated annual Audi A7 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,330	$1,930	$5,015	$418
Young adult (22)	$775	$1,120	$2,920	$243
Adult in their 30s	$485	$700	$1,825	$152
Adult in their 50s	$445	$645	$1,680	$140
Senior (72)	$540	$785	$2,045	$170
30s, one at-fault accident	$700	$1,015	$2,645	$220
30s, DUI on record	$895	$1,300	$3,375	$281

Audi A7 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi A7	$1,825	201	148	—
Lexus IS	$1,835	158	150	—
Lexus ES	$1,590	121	108	—
BMW 7 Series	$3,710	405	363	—

Estimate Audi A7 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Audi models

A3 $1,615/yr
A5 $1,735/yr
A6 e-tron $1,910/yr
A8 $2,865/yr
e-tron GT $2,195/yr
Q3 $1,440/yr
Q6 e-tron $1,870/yr
Q8 $1,835/yr
RS 3 $1,810/yr
RS Q8 $2,340/yr
S3 $1,520/yr
S5 $1,830/yr
S8 $2,665/yr
SQ5 $1,720/yr
SQ8 $2,240/yr
A6 $1,860/yr
Q4 e-tron $1,615/yr
Q5 $1,500/yr
Q7 $1,570/yr
RS 6 Avant $2,040/yr
RS 7 $2,445/yr
SQ7 $1,930/yr
A4 $1,565/yr
Q8 e-tron $2,015/yr
RS 5 $2,045/yr
S4 $2,020/yr
S6 $1,835/yr
S7 $2,015/yr
e-tron $1,685/yr
R8 $1,975/yr

All Audi insurance costs →

Frequently asked questions

How much is insurance for a Audi A7?

We estimate about $1,825 a year ($152 a month) for full coverage and $485 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 15% more than the average vehicle.

Is the Audi A7 expensive to insure?

HLDI insurance-loss data rates it at 201 for collision and 148 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi A7?

Maine has the lowest estimate (about $1,210 a year for full coverage) and Louisiana the highest (about $2,475).

Is the Audi A7 cheaper to insure than the Lexus IS?

By our estimate the Audi A7 costs about $1,825 a year versus $1,880 for the Lexus IS, making it the cheaper of the two to insure.

How much is Audi A7 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,015 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page