The Audi SQ7 pairs a 3,996cc engine with a high price to insure. This review starts with what the insurance costs, how many insurers quote it and what moves the price. Then it covers road tax and the COE.
Each premium is an example for one stated driver, as of 1 November 2026. It is not what you will pay. Your details decide that.
The version priced
The new-car list has no entry for the SQ7 on sale now. So this review gives no list price, power figure or body type.
The price page prices the Audi SQ7 4.0 TFSI qu Tip 7-Seater, with a 3,996cc engine. It is the version most insurers quote.
Here's what the standard driver pays
The Audi SQ7 price page uses these details:
- Car: registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% no-claim discount (NCD), no claims
- Repairs: at an authorised workshop, no options added
For that driver, 5 insurers price it, across eight plans. The headline figures:
- Lowest premium: S$2,154.12 a year
- Dearest insurer's starting price: S$3,041.27, which is S$887.15 more, or 41% on top
- Highest plan on the page: S$4,321.40
All prices include 9% GST. The page lists 13 insurers with no online price, so 5 of 18 quote it online. That is more than many large-engined cars draw.
Excesses: from S$300 to S$2,500
The excess is what you pay yourself on each claim. On the SQ7 page, it varies widely:
- S$2,500 on the lowest premium
- S$2,000 on the second-lowest
- S$600 on the middle plans
- S$300 on the dearest insurer's three plans
So the plans that cost least each year ask most when you claim. The plans with the smallest excess cost most up front. Set the two figures side by side for each plan you look at.
What changes the price
The price page changes one detail at a time and shows the new lowest price:
- No NCD (0%): S$4,049.11, up S$1,894.99
- 20% NCD: S$3,270.22, up S$1,116.10
- Driver aged 27, 3 years' driving, 30% NCD: S$4,303.54, up S$2,149.42
- Driver aged 65, 20 years' driving: S$2,213.75, up S$59.63
- A new car, registered this year: S$2,198.87, up S$44.75, with 4 insurers
- A car 8 years old: S$1,516.77, down S$637.35
Young drivers pay double. The 27-year-old's price is 100% above the standard. That is the largest jump on the page.
The NCD is worth a lot. Without it, the lowest price nearly doubles.
Older cars cost less. An 8-year-old SQ7 is S$637.35 cheaper to insure, and all 5 insurers still quote it.
Older drivers pay little extra. At 65, the rise is small and the same 5 insurers price it.
Pros and cons of the SQ7's insurance costs
Pros
- Five insurers quote online, so there is a real choice to compare.
- An older car brings a clear saving.
- An older driver pays only a little more.
Cons
- The lowest premium is above S$2,000 for the standard driver.
- The two lowest premiums carry large excesses.
- Young drivers and drivers without NCD pay far more.
Against similar large-engined cars
The price page compares six cars, for the same driver and car age:
- BMW M5 Sedan: S$3,485.71, 1 insurer
- BMW M5 Touring: S$3,485.71, 1 insurer
- BMW X7 M60i: S$1,786.26, 1 insurer
- Chrysler 300: S$1,675.24, 4 insurers
- BMW 735i: S$1,061.44, 8 insurers
- BMW 735Li: S$1,061.44, 6 insurers
Their average lowest price is S$2,092.63. The SQ7 costs 3% more, so it sits about in the middle. Four of the six are cheaper to insure. Other Audi models are on the Audi car insurance page.
COE and road tax
COE. The price page says the SQ7 needs a Category B COE, because its engine is above 1,600cc. Category B closed at S$131,901 in the October 2026 2nd round. The COE page shows later rounds.
Road tax. For 3,996cc, LTA's formula gives S$3,942.84 a year before any age surcharge. That alone is close to double the lowest insurance premium. Over 10 years old, a car pays +10%, rising to +50% over 14 years. The road tax page has the full scale.
The rest of the bill
Parking, petrol, ERP, servicing and depreciation all depend on how you use the car. Your own habits decide the figures. Season parking depends on where you live and work. Petrol depends on your mileage and pump prices. ERP depends on your routes and timing. For servicing, ask for the car's history and check what parts and labour cost for a model no longer on the new-car list. Depreciation turns on what you pay now and how much COE the car has left.
The bottom line
The SQ7 is costly to insure, but it draws more insurers than most cars of its size. The standard driver's lowest price is S$2,154.12, with a large excess. The driver's age and NCD move the price most. An older car brings it down.
Summary of yearly costs we can show, as of 1 November 2026:
- Road tax: S$3,942.84 before any age surcharge (checked 2026-10-19)
- Insurance, standard driver: from S$2,154.12
- Insurance, no NCD: from S$4,049.11
- Insurance, driver aged 27: from S$4,303.54
- Insurance, a car 8 years old: from S$1,516.77
Before you buy: car insurance for the Audi SQ7
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Audi SQ7 to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.