2013 BMW 528xi Car Insurance Calculator

Explore and understand how life choices impact the cost of insurance for a 2013 BMW 528xi. Tweak settings like credit rating, policy coverages, and liability limits to see how insurance cost is affected. See instantly if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2013 BMW 528xi is $1,802 per year, or about $150 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

$1,802

Cost Per Month

$150

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 2013 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.

$1,802
Average Rate
Your Rate
$1,802

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 2013 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 2013 BMW 528xi is $1,802.

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.

2013 BMW 528xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2013 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.

2013 BMW 528xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A3$1,434-$368
2Acura TL$1,458-$344
3Acura ILX$1,492-$310
4Acura TSX$1,532-$270
5Volvo C70$1,558-$244
6Lincoln MKZ$1,578-$224
7Lexus GS 350$1,586-$216
8Lexus ES 350$1,614-$188
9Audi A6$1,618-$184
10Lexus ES 300H$1,640-$162
11Mercedes-Benz SLK55 AMG$1,654-$148
12Mercedes-Benz C350$1,692-$110
13Volvo S80$1,750-$52
14Infiniti G37$1,776-$26
15Audi S5$1,786-$16
16Mercedes-Benz E350$1,800-$2
17BMW 528xi$1,802--
18Hyundai Genesis$1,806$4
19Infiniti M35$1,818$16
20Jaguar XF$1,822$20
21Mercedes-Benz E550$1,848$46
22Mercedes-Benz E400$1,858$56
23Infiniti M37$1,864$62
24BMW 535xi$1,886$84
25BMW 550xi$1,906$104
26Audi S4$1,912$110
27BMW 528i$1,914$112
28BMW Activehybrid 5$1,926$124
29BMW 535i$1,958$156
2013 Midsize Luxury Car Average$1,963$161
30Audi RS 5$1,966$164
31BMW 550i$1,980$178
32Jaguar XK$1,996$194
33Mercedes-Benz SL550$2,010$208
34Audi S6$2,064$262
35BMW 640i$2,126$324
36Mercedes-Benz S400$2,152$350
37Audi S7$2,170$368
38Audi A7$2,194$392
39Tesla Model S$2,266$464
40Jaguar XKR$2,298$496
41Mercedes-Benz S350$2,324$522
42BMW M6$2,334$532
43BMW 650xi$2,370$568
44BMW M5$2,380$578
45Mercedes-Benz SL63 AMG$2,572$770
46Mercedes-Benz CL63 AMG$2,820$1,018
47Mercedes-Benz SLS AMG$2,920$1,118
48Mercedes-Benz SL65 AMG$3,012$1,210

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.

2013 528xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 BMW 528xi Insurance Rates by Trim Level
2013 BMW 528xi Trim Level Annual Premium Cost Per Month
Sedan$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.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 BMW 528xi for different driver ages.

2013 BMW 528xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,579$548
17$6,335$528
18$5,602$467
19$5,124$427
20$3,901$325
21$3,719$310
22$3,316$276
23$2,743$229
24$2,581$215
25$2,090$174
30$1,910$159
35$1,854$155
40$1,802$150
45$1,690$141
50$1,606$134
55$1,498$125
60$1,504$125
65$1,602$134
70$1,748$146
75$2,080$173
80$2,572$214

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.