2014 BMW 528i Car Insurance Calculator

Explore and understand how seemingly small changes influence insurance rates for a 2014 BMW 528i. Modify choices like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2014 BMW 528i is $2,084 per year, or about $174 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

$2,084

Cost Per Month

$174

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 528i 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 2014 BMW 528i.

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.

$2,084
Average Rate
Your Rate
$2,084

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 2014 BMW 528i 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 2014 BMW 528i is $2,084.

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.

2014 BMW 528i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2014 BMW 528i against all other models in the midsize luxury car segment. The BMW 528i 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 528i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 528i.

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

2014 BMW 528i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TSX$1,482-$602
2Acura ILX$1,524-$560
3Lincoln MKZ$1,536-$548
4Acura TL$1,586-$498
5Lexus ES 350$1,718-$366
6Mercedes-Benz CLA250$1,768-$316
7Audi A6$1,802-$282
8Audi S5$1,810-$274
9Mercedes-Benz SLK55 AMG$1,816-$268
10Mercedes-Benz C350$1,888-$196
11Lexus ES 300H$1,902-$182
12BMW 435i$1,930-$154
13Mercedes-Benz E250$1,934-$150
14BMW 428xi$1,936-$148
15Mercedes-Benz E350$1,946-$138
16Infiniti Q50$1,952-$132
17Mercedes-Benz E400$1,956-$128
18Lexus GS 350$1,958-$126
19BMW 528xi$1,962-$122
20BMW 535i$1,972-$112
21Audi RS 5$1,978-$106
22BMW 428i$1,982-$102
23Mercedes-Benz CLA45 AMG$1,986-$98
24Hyundai Genesis$1,988-$96
25Volvo S80$1,994-$90
26BMW 435xi$2,000-$84
27BMW 535xi$2,008-$76
28BMW Activehybrid 5$2,036-$48
29Mercedes-Benz E550$2,042-$42
30Jaguar XF$2,050-$34
31Audi S6$2,064-$20
32Audi S4$2,066-$18
33Cadillac ELR$2,078-$6
34Jaguar XK$2,080-$4
35BMW 528i$2,084--
2014 Midsize Luxury Car Average$2,089$5
36BMW 535d$2,094$10
37BMW 550i$2,096$12
38BMW 550xi$2,134$50
39Audi A7$2,194$110
40BMW 640i$2,196$112
41BMW 640xi$2,224$140
42Mercedes-Benz SL550$2,258$174
43Audi S7$2,310$226
44BMW 650xi$2,390$306
45BMW M5$2,394$310
46Jaguar XKR$2,470$386
47BMW M6$2,498$414
48Tesla Model S$2,512$428
49Mercedes-Benz SL63 AMG$2,596$512
50Mercedes-Benz CL63 AMG$2,858$774
51Mercedes-Benz SL65 AMG$3,212$1,128
52Mercedes-Benz SLS AMG$3,390$1,306

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.

2014 528i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 BMW 528i.

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.

2014 BMW 528i Insurance Rates by Trim Level
2014 BMW 528i Trim Level Annual Premium Cost Per Month
Sedan$2,084$174

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 2014 BMW 528i for different driver ages.

2014 BMW 528i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,702$642
17$7,381$615
18$6,462$539
19$5,939$495
20$4,505$375
21$4,292$358
22$3,817$318
23$3,180$265
24$2,984$249
25$2,418$202
30$2,212$184
35$2,148$179
40$2,084$174
45$1,964$164
50$1,866$156
55$1,744$145
60$1,746$146
65$1,860$155
70$2,044$170
75$2,446$204
80$3,024$252

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 528i trim levels.