2016 BMW 435xi Car Insurance Calculator

Get instant feedback how seemingly small changes impact the cost of insurance for a 2016 BMW 435xi. Experiment with factors like your marital status, location, homeowner status, and credit rating. Instantly know if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2016 BMW 435xi is $2,174 per year, or about $181 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

$2,174

Cost Per Month

$181

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 2016 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.

$2,174
Average Rate
Your Rate
$2,174

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 2016 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 2016 BMW 435xi is $2,174.

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.

2016 BMW 435xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 435xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$556
2Acura ILX$1,686-$488
3Lexus IS 300$1,792-$382
4Volvo S80$1,834-$340
5Mercedes-Benz C350E$1,842-$332
6Lexus RC 300$1,856-$318
7Audi A3$1,888-$286
8Mercedes-Benz AMG CLA45$1,910-$264
9Lincoln MKZ$1,914-$260
10Lexus ES 300H$1,924-$250
11Audi A6$1,936-$238
12Mercedes-Benz CLA250$1,982-$192
13BMW 528i$2,020-$154
14Lexus GS 350$2,036-$138
15Mercedes-Benz E350$2,062-$112
16Audi S4$2,064-$110
17Mercedes-Benz SLK55 AMG$2,068-$106
18BMW 428xi$2,072-$102
19Jaguar XF$2,084-$90
20Cadillac ELR$2,090-$84
21Mercedes-Benz C450 AMG$2,100-$74
22BMW 428i$2,106-$68
23Audi S5$2,116-$58
24Hyundai Genesis$2,130-$44
25BMW 528xi$2,138-$36
26Infiniti Q50$2,144-$30
27BMW 535xi$2,150-$24
28BMW 435xi$2,174--
29Mercedes-Benz E250$2,192$18
30Mercedes-Benz SL400$2,210$36
31BMW Active 5$2,218$44
32BMW 435i$2,224$50
2016 Midsize Luxury Car Average$2,227$53
33BMW 535d$2,250$76
34Mercedes-Benz E400$2,300$126
35BMW 535i$2,308$134
36Mercedes-Benz E550$2,320$146
37Audi S6$2,358$184
38BMW 550i$2,362$188
39Mercedes-Benz CLS400$2,436$262
40BMW 550xi$2,452$278
41Mercedes-Benz SL550$2,456$282
42BMW 640i$2,490$316
43Audi A7$2,504$330
44BMW 640xi$2,510$336
45BMW M5$2,518$344
46Audi S7$2,522$348
47Tesla Model S$2,590$416
48Mercedes-Benz S550E$2,594$420
49BMW 650xi$2,610$436
50Lexus GS F$2,622$448
51BMW M6$2,796$622
52Mercedes-Benz SL63 AMG$2,876$702
53Mercedes-Benz SL65 AMG$3,584$1,410

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.

2016 435xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 BMW 435xi Insurance Rates by Trim Level
2016 BMW 435xi Trim Level Annual Premium Cost Per Month
Gran Coupe$2,052$171
Convertible$2,200$183
AWD$2,280$190

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 2016 BMW 435xi for different driver ages.

2016 BMW 435xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,762$647
17$7,522$627
18$6,747$562
19$6,140$512
20$4,704$392
21$4,486$374
22$4,020$335
23$3,293$274
24$3,116$260
25$2,532$211
30$2,324$194
35$2,238$187
40$2,174$181
45$2,034$170
50$1,930$161
55$1,798$150
60$1,806$151
65$1,926$161
70$2,078$173
75$2,444$204
80$3,012$251

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.