Audi A7 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi A7 costs more than most other cars to insure.
• Full coverage car insurance for an A7 tends to be about $222 monthly, on average, while liability only insurance generally runs around $67 per month.
• Hugo provides the lowest average premiums for an A7 with liability only coverage offered for sometimes as low as $39 a month.

A7 Overview

The Audi A7 is on the more expensive end of the spectrum, with a base price of $69,200 for 2021 models. There are seven different trim levels currently offered, so you'll drive off the dealership lot in style.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that Audi A7 auto insurance rates run about $185 per month, on average. But how does that fare against its competitors?

How Much is Car Insurance for an Audi A7?

Looking at the table above, you'll find that car insurance premiums for an Audi A7 are more expensive than average. A7 owners can expect to pay around $67 monthly for liability insurance, and about $222 per month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When compared to other Audi models, the A7 is more expensive, with prices around 17% higher than the rest of the manufacturer's vehicle offerings. However, A7 coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance rates $16 cheaper than other cars and full coverage insurance premiums coming in $45 higher.

Compared to all vehicles of any body type, the A7 is more expensive for full coverage insurance, but liability only rates are less expensive.

Who has the Cheapest Car Insurance for an Audi A7?

If you're looking for an auto insurance policy for an Audi A7, you're probably most interested in which company offers the lowest premiums. Although premiums can differ pretty significantly from policyholder to policyholder, Mile Auto provides the cheapest average rates for liability only coverage, with rates as little as just $19 monthly. With car insurance as cheap as just $29 a month, Verti is the next most affordable auto insurance carrier.

Finishing off the rest of the top 5 are Foremost, MetLife, and Hugo. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies use lots of different things and complex formulas to calculate premiums. By reviewing quotes from a bunch of insurance carriers at once, you can be confident you're finding the lowest rate.

What Factors Affect Car Insurance Rates for an Audi A7?

As we mentioned above, there are a whole range of factors that car insurance companies use to decide how much they charge you -- and each company weighs certain pieces more than others, so there's not a single carrier that's the cheapest for every driver.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Audi A7 has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for auto insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually go lower.

As you can see in the table above, the Audi A7 is not quite in line with this trend, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive A7s are 6 to 7 years old.

Your Age

Age is another factor that makes a significant difference in how much car insurance carriers will charge. In the table above, you'll see that drivers who are under 24 have more expensive prices than older A7 drivers. In this case, drivers aged 18 to 24 pay $26 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group for A7 drivers being 35-44.

Your Gender

Men tend to pay more for insurance than women. This is because women are less likely to get speeding tickets and get into accidents, which decreases the chances of an insurance claim. For A7 drivers, that difference is around $10 per month, with men paying an average of $65 and women looking at about $75.

Where You Live

You might already know that factors such as how old you are and what vehicle you drive play a role in your auto insurance rates, but did you know that where you live is equally important? Since insurance is regulated on the state level and not nationally, premiums can vary quite a bit from state to state.

For example, the average Audi A7 driver in New York pays around $129 monthly for liability coverage. Meanwhile, on average, the same Californian owner will pay less than half of that price. The table referenced above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change from state to state.

Audi A7 Car Insurance Discounts

No matter where you live, what vehicle you drive, or how old you are, it's always important to take advantage of as many auto insurance discounts as possible.

Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-car discounts for having several vehicles on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Multi-policy discounts for using the same insurance company for both your home and auto insurance

There are all sorts of other discounts out there for saving money on your insurance. And often, the best way to save isn't through a "discount" at all, but rather by having a profile that shows positive driving habits to insurance companies.

Even though you may not have control of every variable auto insurance carriers take a look at to calculate prices (like some of the ones mentioned above), there are quite a few you can control. Below are just a few of the variables you can use to your advantage in order to save on car insurance:

Your Driving Record

You've probably observed ads from auto insurance companies promoting large discounts for good drivers. And you're probably not surprised to hear that your car insurance premiums will go higher if you get a speeding ticket or get into a collision. But exactly how much is it going to cost you for these infractions?

As you can see, accidents will usually cost A7 drivers less than tickets, but both will result in above average rates. Audi A7 drivers with a single accident on their record pay an average of $64 a month, while drivers with one ticket will pay about $82 a month. Those who have multiple violations of either kind will end up paying even more.

How Much You Drive

The total distance you drive annually plays a role in your insurance rates. Those who are on the roads less often are more likely to go accident-free, so they'll normally end up spending less on auto insurance. Above, you can see that Audi A7 owners who drive 10,000 miles or more pay $83 for car insurance, while those who drive fewer than 2,500 miles every year pay an average of $51 monthly.

If you work from home or drive less often than the average driver, it may be worth considering pay-per-mile or usage-based insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Audi A7s Compare to Other Vehicles?

If you're thinking about buying an Audi A7, you might want to know how it compares to other vehicles. Auto insurance is just one cost that comes with buying a new car, but it's certainly one that's worth taking into consideration.

Review the table below to see how the Audi A7 stacks up:

Overall, the Audi A7 is more expensive than average, with an MSRP that's a quarter more than the going rate for a new vehicle. While the average vehicle MSRP in the U.S. is $46,296, the A7 comes in above that at $69,200.

Liability insurance for an Audi A7 is, while full coverage is over $50 less per month.

When it comes to usage, Audi A7 owners drive about the same amount annually as the national average, with 11,617 miles per year for all vehicles compared to the A7's 11,840 each year.

Audi A7 Car Insurance Costs by Model Year

So far, you've seen how different things affect how much the average driver pays to insure an Audi A7. But if you're thinking about buying a new vehicle and the A7 is one you're considering, having a good idea of exactly how much you'll pay is extremely valuable as you weigh your choices.

2019 Audi A7 Car Insurance

2019 Audi A7 drivers can expect to pay an average of $98 a month for liability or $265 for full coverage.

Infinity offered the most affordable policy we found, with rates as little as $38 per month.

These average prices are a great starting point if you're in the market for a 2019 Audi A7, but there are a whole range of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2018 Audi A7 Car Insurance

The average cost to insure a 2018 A7 with liability only coverage is $86 monthly, while full coverage runs about $245 a month.

Looking for the lowest policy? TwentyFirstCentury offered liability only coverage for sometimes as cheap as $40 monthly.

Want something more accurate than nationwide averages? Enter your ZIP code below to get multiple free personalized quotes.

2017 Audi A7 Car Insurance

On average, drivers who own a 2017 Audi A7 can expect to pay $45 to $213 a month for liability only and full coverage insurance, respectively.

Mercury has premiums as cheap as $29 per month for the 2017 Audi A7.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

2016 Audi A7 Car Insurance

It costs around $51 monthly for liability or $199 for a full coverage policy for the 2016 A7.

We found Mile Auto offered the most affordable policy, with rates sometimes as little as $18 a month.

If you want to know exactly how much you can expect to pay for your A7, get free quotes in minutes by just entering your ZIP code below.

2015 Audi A7 Car Insurance

You can expect full coverage for a 2015 Audi A7 to run about $239 per month, while liability only coverage will average around $62 a month.

With prices as low as $24 per month, Elephant offered the cheapest policy we found for the 2015 Audi A7.

Interested in just how much you'll pay? Get a variety of personalized quotes for free by just entering your ZIP code below.

2014 Audi A7 Car Insurance

2014 A7 drivers can expect to pay an average of $74 monthly for liability or $237 for full coverage.

With rates as low as just $30 a month, MetLife offered the lowest policy we found.

If you want to find the best premiums for car insurance for a 2014 Audi A7, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2013 Audi A7 Car Insurance

You can expect full coverage for a 2013 Audi A7 to run about $234 per month, while liability only coverage will average around $74 monthly.

If you're looking for the most affordable 2013 Audi A7 insurance policy, Commonwealth Casualty offered the cheapest policy we found, with rates as cheap as $26 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2012 Audi A7 Car Insurance

On average, drivers who own a 2012 A7 can expect to pay $73 to $218 monthly for liability only and full coverage auto insurance, respectively.

MetLife has prices sometimes as little as $39 per month for the 2012 Audi A7.

If you want to know exactly how much you can expect to pay for your A7, just enter your ZIP code below and get several free quotes in minutes.

Audi A7 Insurance FAQs

Is an Audi A7 expensive to insure?

Compared to the national average of all cars, rates come in on the more expensive end of the spectrum. Liability insurance runs an average of $67 a month, while full coverage will cost you around $222.

How can I get the best price on car insurance for my Audi A7?

The only way to ensure you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from numerous carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Audi A7 affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car, but that's simply not true. There are several variables insurance carriers think about when they calculate how much you'll pay, but the color of your Audi A7 is not on that list.

Do I need to have insurance before I buy an Audi A7?

You'll need to have valid car insurance for your vehicle before you can legally drive your it off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the easiest thing to do is to let your insurance company know ahead of time.

What car insurance discounts can I get for my Audi A7?

You will find tons of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the A7 you drive, but if your A7 has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to contact your insurance carrier and ask about their list of discounts, since they change quite a bit from company to company.