Audi Q7 Insurance Cost

Full coverage for a Audi Q7 costs about $1,570 a year ($131/month) by our estimate — ▼ −1% versus the average vehicle, ranking 127th cheapest of 310 current models.

Audi Q7 exterior (photo from Wikimedia Commons) — Photo: Ethan Llamas, 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 Q7 insurance cost at a glance

Full coverage

$1,570

$131/mo · $1,290–$1,855

Minimum liability

$495

$41/mo

Segment

Luxury SUV

Gasoline, Hybrid, Diesel

HLDI collision losses

123

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

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 2026 model year. Our vehicle data covers the 2007–2026 model years of the Audi Q7.

Estimated Audi Q7 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.	$495	$41	$405–$585
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$720	$60	$590–$850
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,570	$131	$1,290–$1,855

What drives the cost of insuring a Audi Q7

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 Q7's results put our vehicle factor at 0.81× for liability, 1.25× for collision and 1.31× for comprehensive.

HLDI relative insurance losses — Audi Q7 4dr 4WD (Large Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	123	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	131	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	80	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	65	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	58	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	62	Much better than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 4 NHTSA recall campaigns and 19 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi Q7 trims and configurations (2026)

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.)
Q7	AWD	2.0L 4-cyl Turbo	22
Q7 quattro	AWD	3.0L 6-cyl Turbo Hybrid	20

Audi Q7 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
2026	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD	20–22	$1,570
2025	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD	20–22	$1,530
2024	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD	21	$1,490
2023	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD	20–21	$1,450
2022	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD	20–22	$1,410
2021	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD	20–21	$1,370
2020	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo Hybrid	AWD	18–21	$1,330
2019	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD	21	$1,290
2018	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD	21	$1,250
2017	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD	21–22	$1,210
2015	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD	18–22	$1,165
2014	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD	18–22	$1,165
2013	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD	18–22	$1,165
2012	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD	18–20	$1,165
2011	3.0L 6-cyl Supercharged, 3.0L 6-cyl Turbo Diesel	AWD	18–20	$1,165
2010	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 4.2L 8-cyl	AWD	15–20	$1,165
2009	3.0L 6-cyl Turbo Diesel, 3.6L 6-cyl, 4.2L 8-cyl	4WD/AWD, AWD	15–20	$1,165
2008	3.6L 6-cyl, 4.2L 8-cyl	4WD/AWD	14–16	$1,165
2007	3.6L 6-cyl, 4.2L 8-cyl	4WD/AWD	14–16	$1,165

Audi Q7 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, or open the Q7 page for that state.

State	Full coverage	Minimum	vs. national	Q7 page
Alabama	$1,405	$385	−11%	Q7 in AL
Alaska	$1,380	$505	−12%	Q7 in AK
Arizona	$1,640	$535	+4%	Q7 in AZ
Arkansas	$1,450	$360	−8%	Q7 in AR
California	$1,560	$460	−1%	Q7 in CA
Colorado	$1,830	$525	+17%	Q7 in CO
Connecticut	$1,625	$575	+4%	Q7 in CT
Delaware	$1,675	$650	+7%	Q7 in DE
District of Columbia	$1,995	$600	+27%	Q7 in DC
Florida	$2,110	$870	+34%	Q7 in FL
Georgia	$1,870	$705	+19%	Q7 in GA
Hawaii	$1,100	$350	−30%	Q7 in HI
Idaho	$1,075	$325	−32%	Q7 in ID
Illinois	$1,385	$400	−12%	Q7 in IL
Indiana	$1,135	$325	−28%	Q7 in IN
Iowa	$1,140	$250	−27%	Q7 in IA
Kansas	$1,325	$325	−16%	Q7 in KS
Kentucky	$1,315	$425	−16%	Q7 in KY
Louisiana	$2,155	$640	+37%	Q7 in LA
Maine	$1,025	$345	−35%	Q7 in ME
Maryland	$1,735	$610	+11%	Q7 in MD
Massachusetts	$1,545	$480	−2%	Q7 in MA
Michigan	$1,725	$620	+10%	Q7 in MI
Minnesota	$1,360	$380	−13%	Q7 in MN
Mississippi	$1,545	$430	−2%	Q7 in MS
Missouri	$1,465	$415	−7%	Q7 in MO
Montana	$1,330	$320	−15%	Q7 in MT
Nebraska	$1,330	$325	−15%	Q7 in NE
Nevada	$1,690	$700	+8%	Q7 in NV
New Hampshire	$1,135	$325	−28%	Q7 in NH
New Jersey	$1,805	$755	+15%	Q7 in NJ
New Mexico	$1,435	$420	−9%	Q7 in NM
New York	$2,035	$750	+30%	Q7 in NY
North Carolina	$1,225	$360	−22%	Q7 in NC
North Dakota	$1,095	$225	−30%	Q7 in ND
Ohio	$1,145	$325	−27%	Q7 in OH
Oklahoma	$1,475	$380	−6%	Q7 in OK
Oregon	$1,360	$505	−13%	Q7 in OR
Pennsylvania	$1,410	$345	−10%	Q7 in PA
Rhode Island	$1,840	$660	+17%	Q7 in RI
South Carolina	$1,635	$590	+4%	Q7 in SC
South Dakota	$1,325	$255	−16%	Q7 in SD
Tennessee	$1,340	$365	−15%	Q7 in TN
Texas	$1,910	$560	+22%	Q7 in TX
Utah	$1,380	$525	−12%	Q7 in UT
Vermont	$1,070	$255	−32%	Q7 in VT
Virginia	$1,355	$505	−14%	Q7 in VA
Washington	$1,330	$475	−15%	Q7 in WA
West Virginia	$1,370	$350	−13%	Q7 in WV
Wisconsin	$1,110	$300	−29%	Q7 in WI
Wyoming	$1,350	$260	−14%	Q7 in WY

Audi Q7 insurance by driver profile

Estimated annual Audi Q7 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,365	$1,975	$4,320	$360
Young adult (22)	$795	$1,150	$2,515	$210
Adult in their 30s	$495	$720	$1,570	$131
Adult in their 50s	$455	$660	$1,445	$120
Senior (72)	$555	$805	$1,760	$147
30s, one at-fault accident	$720	$1,040	$2,280	$190
30s, DUI on record	$915	$1,330	$2,905	$242

Audi Q7 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi Q7	$1,570	123	131	—
BMW X5	$1,690	120	142	Compare
Porsche Macan	$1,700	151	117	Compare
Cadillac Escalade	$1,655	110	152	Compare

Estimate Audi Q7 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
RS 6 Avant $2,040/yr
RS 7 $2,445/yr
SQ7 $1,930/yr
A4 $1,565/yr
A7 $1,825/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 Q7?

We estimate about $1,570 a year ($131 a month) for full coverage and $495 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 1% less than the average vehicle.

Is the Audi Q7 expensive to insure?

HLDI insurance-loss data rates it at 123 for collision and 131 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi Q7?

Maine has the lowest estimate (about $1,025 a year for full coverage) and Louisiana the highest (about $2,155).

What is the Audi Q7's NHTSA safety rating?

The 2026 Audi Q7 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Audi Q7 cheaper to insure than the BMW X5?

By our estimate the Audi Q7 costs about $1,570 a year versus $1,690 for the BMW X5, making it the cheaper of the two to insure.

How much is Audi Q7 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,320 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