2015 BMW 435xi Car Insurance Calculator

Explore and understand how life choices impact the cost of car insurance for a 2015 BMW 435xi. Customize factors such as vehicle usage, gender of the driver, and marital status to see how rates are affected. See instantly if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2015 BMW 435xi is $1,998 per year, or about $167 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,998

Cost Per Month

$167

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW 435xi Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2015 BMW 435xi.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,998
Average Rate
Your Rate
$1,998

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2015 BMW 435xi trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2015 BMW 435xi is $1,998.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2015 BMW 435xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2015 BMW 435xi against all other models in the midsize luxury car segment. The BMW 435xi is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW 435xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 435xi.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2015 BMW 435xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,652-$346
2Acura ILX$1,662-$336
3Audi A3$1,702-$296
4Infiniti Q40$1,706-$292
5Volvo S80$1,712-$286
6Lincoln MKZ$1,726-$272
7Mercedes-Benz SLK55 AMG$1,744-$254
8Mercedes-Benz CLA250$1,808-$190
9Mercedes-Benz CLA45 AMG$1,838-$160
10BMW 528xi$1,848-$150
11BMW 428xi$1,886-$112
12Audi A6$1,926-$72
13Audi S4$1,928-$70
14Mercedes-Benz C400$1,930-$68
15Mercedes-Benz E350$1,946-$52
16Lexus ES 300H$1,948-$50
17BMW 528i$1,956-$42
18Mercedes-Benz C350$1,966-$32
19Audi S5$1,978-$20
20BMW 428i$1,994-$4
21BMW 435xi$1,998--
22Mercedes-Benz SL400$2,016$18
23Hyundai Genesis$2,030$32
24Infiniti Q50$2,064$66
25BMW Activehybrid 5$2,088$90
26BMW 550i$2,094$96
27Mercedes-Benz E550$2,098$100
28Mercedes-Benz E400$2,110$112
29BMW 435i$2,116$118
30Audi RS 5$2,134$136
31BMW 550xi$2,138$140
2015 Midsize Luxury Car Average$2,143$145
32Jaguar XF$2,162$164
33Mercedes-Benz E250$2,166$168
34BMW 535d$2,178$180
35Lexus GS 350$2,180$182
36BMW 535xi$2,196$198
37BMW 535i$2,200$202
38Mercedes-Benz CLS400$2,204$206
39Mercedes-Benz SL550$2,238$240
40Jaguar XK$2,274$276
41BMW 640xi$2,286$288
42Audi A7$2,294$296
43Audi S6$2,318$320
44BMW 640i$2,350$352
45BMW 650xi$2,392$394
46Jaguar XKR$2,478$480
47Mercedes-Benz S550E$2,498$500
48BMW M5$2,512$514
49Mercedes-Benz SL63 AMG$2,580$582
50Tesla Model S$2,590$592
51BMW M6$2,594$596
52Audi S7$2,612$614
53Mercedes-Benz SLS AMG$3,310$1,312
54Mercedes-Benz SL65 AMG$3,360$1,362

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2015 435xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 BMW 435xi.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2015 BMW 435xi Insurance Rates by Trim Level
2015 BMW 435xi Trim Level Annual Premium Cost Per Month
Convertible$1,840$153
Gran Coupe$2,052$171
AWD$2,110$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2015 BMW 435xi for different driver ages.

2015 BMW 435xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,142$595
17$6,918$577
18$6,197$516
19$5,642$470
20$4,317$360
21$4,120$343
22$3,688$307
23$3,024$252
24$2,862$239
25$2,322$194
30$2,130$178
35$2,052$171
40$1,998$167
45$1,870$156
50$1,772$148
55$1,656$138
60$1,660$138
65$1,766$147
70$1,910$159
75$2,250$188
80$2,774$231

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW 435xi trim levels.