2016 BMW 528i Car Insurance Calculator

Find out how life choices affect car insurance rates for a 2016 BMW 528i. Experiment with options like driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately if rates change for better or worse.

The average estimated car insurance premium for a 2016 BMW 528i is $2,020 per year, or about $168 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

$2,020

Cost Per Month

$168

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 2016 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.

$2,020
Average Rate
Your Rate
$2,020

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 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 2016 BMW 528i is $2,020.

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 528i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 528i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$402
2Acura ILX$1,686-$334
3Lexus IS 300$1,792-$228
4Volvo S80$1,834-$186
5Mercedes-Benz C350E$1,842-$178
6Lexus RC 300$1,856-$164
7Audi A3$1,888-$132
8Mercedes-Benz AMG CLA45$1,910-$110
9Lincoln MKZ$1,914-$106
10Lexus ES 300H$1,924-$96
11Audi A6$1,936-$84
12Mercedes-Benz CLA250$1,982-$38
13BMW 528i$2,020--
14Lexus GS 350$2,036$16
15Mercedes-Benz E350$2,062$42
16Audi S4$2,064$44
17Mercedes-Benz SLK55 AMG$2,068$48
18BMW 428xi$2,072$52
19Jaguar XF$2,084$64
20Cadillac ELR$2,090$70
21Mercedes-Benz C450 AMG$2,100$80
22BMW 428i$2,106$86
23Audi S5$2,116$96
24Hyundai Genesis$2,130$110
25BMW 528xi$2,138$118
26Infiniti Q50$2,144$124
27BMW 535xi$2,150$130
28BMW 435xi$2,174$154
29Mercedes-Benz E250$2,192$172
30Mercedes-Benz SL400$2,210$190
31BMW Active 5$2,218$198
32BMW 435i$2,224$204
2016 Midsize Luxury Car Average$2,227$207
33BMW 535d$2,250$230
34Mercedes-Benz E400$2,300$280
35BMW 535i$2,308$288
36Mercedes-Benz E550$2,320$300
37Audi S6$2,358$338
38BMW 550i$2,362$342
39Mercedes-Benz CLS400$2,436$416
40BMW 550xi$2,452$432
41Mercedes-Benz SL550$2,456$436
42BMW 640i$2,490$470
43Audi A7$2,504$484
44BMW 640xi$2,510$490
45BMW M5$2,518$498
46Audi S7$2,522$502
47Tesla Model S$2,590$570
48Mercedes-Benz S550E$2,594$574
49BMW 650xi$2,610$590
50Lexus GS F$2,622$602
51BMW M6$2,796$776
52Mercedes-Benz SL63 AMG$2,876$856
53Mercedes-Benz SL65 AMG$3,584$1,564

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 528i Insurance Rates by Trim Level

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

2016 BMW 528i Insurance Rates by Trim Level
2016 BMW 528i Trim Level Annual Premium Cost Per Month
Sedan$2,020$168

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 528i for different driver ages.

2016 BMW 528i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,178$598
17$6,965$580
18$6,262$522
19$5,694$475
20$4,364$364
21$4,163$347
22$3,731$311
23$3,056$255
24$2,891$241
25$2,346$196
30$2,156$180
35$2,074$173
40$2,020$168
45$1,888$157
50$1,790$149
55$1,670$139
60$1,674$140
65$1,786$149
70$1,922$160
75$2,258$188
80$2,782$232

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.