BMW 528xi Car Insurance Calculator

Explore and understand how the choices you make impact the cost of car insurance for a BMW 528xi. Ajust options like coverage amounts, annual mileage, and vehicle usage to see how insurance rates are affected. Immediately see if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2016 BMW 528xi is $2,138 per year, or about $178 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

$2,138

Cost Per Month

$178

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 528xi 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 BMW 528xi.

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.

$2,138
Average Rate
Your Rate
$2,138

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW 528xi.

The 'Average Rate' is a combined value for all BMW 528xi 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 528xi is $2,138.

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 528xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 BMW 528xi against all other models in the midsize luxury car segment. The BMW 528xi 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 528xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 528xi.

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

2016 BMW 528xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$520
2Acura ILX$1,686-$452
3Lexus IS 300$1,792-$346
4Volvo S80$1,834-$304
5Mercedes-Benz C350E$1,842-$296
6Lexus RC 300$1,856-$282
7Audi A3$1,888-$250
8Mercedes-Benz AMG CLA45$1,910-$228
9Lincoln MKZ$1,914-$224
10Lexus ES 300H$1,924-$214
11Audi A6$1,936-$202
12Mercedes-Benz CLA250$1,982-$156
13BMW 528i$2,020-$118
14Lexus GS 350$2,036-$102
15Mercedes-Benz E350$2,062-$76
16Audi S4$2,064-$74
17Mercedes-Benz SLK55 AMG$2,068-$70
18BMW 428xi$2,072-$66
19Jaguar XF$2,084-$54
20Cadillac ELR$2,090-$48
21Mercedes-Benz C450 AMG$2,100-$38
22BMW 428i$2,106-$32
23Audi S5$2,116-$22
24Hyundai Genesis$2,130-$8
25BMW 528xi$2,138--
26Infiniti Q50$2,144$6
27BMW 535xi$2,150$12
28BMW 435xi$2,174$36
29Mercedes-Benz E250$2,192$54
30Mercedes-Benz SL400$2,210$72
31BMW Active 5$2,218$80
32BMW 435i$2,224$86
2016 Midsize Luxury Car Average$2,227$89
33BMW 535d$2,250$112
34Mercedes-Benz E400$2,300$162
35BMW 535i$2,308$170
36Mercedes-Benz E550$2,320$182
37Audi S6$2,358$220
38BMW 550i$2,362$224
39Mercedes-Benz CLS400$2,436$298
40BMW 550xi$2,452$314
41Mercedes-Benz SL550$2,456$318
42BMW 640i$2,490$352
43Audi A7$2,504$366
44BMW 640xi$2,510$372
45BMW M5$2,518$380
46Audi S7$2,522$384
47Tesla Model S$2,590$452
48Mercedes-Benz S550E$2,594$456
49BMW 650xi$2,610$472
50Lexus GS F$2,622$484
51BMW M6$2,796$658
52Mercedes-Benz SL63 AMG$2,876$738
53Mercedes-Benz SL65 AMG$3,584$1,446

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 528xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 BMW 528xi.

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 528xi Insurance Rates by Trim Level
2016 BMW 528xi Trim Level Annual Premium Cost Per Month
Sedan$2,138$178

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 528xi for different driver ages.

2016 BMW 528xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,745$645
17$7,494$625
18$6,695$558
19$6,092$508
20$4,653$388
21$4,436$370
22$3,964$330
23$3,248$271
24$3,067$256
25$2,486$207
30$2,276$190
35$2,194$183
40$2,138$178
45$2,000$167
50$1,896$158
55$1,768$147
60$1,774$148
65$1,896$158
70$2,056$171
75$2,430$203
80$3,008$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 528xi trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 528xi.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW 528xi Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2016 BMW 528xi$2,138$178
2015 BMW 528xi$1,848$154
2014 BMW 528xi$1,962$164
2013 BMW 528xi$1,802$150

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 BMW 528xi trim levels for each model year.