2014 BMW 528xi Car Insurance Calculator

Explore and learn how life choices impact the cost of insurance for a 2014 BMW 528xi. Experiment with factors like coverage deductibles, age of the driver, policy discounts, and 528xi trim level. Get instant feedback if and why rates increase from the option you changed.

The average estimated car insurance premium for a 2014 BMW 528xi is $1,962 per year, or about $164 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

$1,962

Cost Per Month

$164

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 2014 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.

$1,962
Average Rate
Your Rate
$1,962

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 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 2014 BMW 528xi is $1,962.

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 528xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2014 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.

2014 BMW 528xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TSX$1,482-$480
2Acura ILX$1,524-$438
3Lincoln MKZ$1,536-$426
4Acura TL$1,586-$376
5Lexus ES 350$1,718-$244
6Mercedes-Benz CLA250$1,768-$194
7Audi A6$1,802-$160
8Audi S5$1,810-$152
9Mercedes-Benz SLK55 AMG$1,816-$146
10Mercedes-Benz C350$1,888-$74
11Lexus ES 300H$1,902-$60
12BMW 435i$1,930-$32
13Mercedes-Benz E250$1,934-$28
14BMW 428xi$1,936-$26
15Mercedes-Benz E350$1,946-$16
16Infiniti Q50$1,952-$10
17Mercedes-Benz E400$1,956-$6
18Lexus GS 350$1,958-$4
19BMW 528xi$1,962--
20BMW 535i$1,972$10
21Audi RS 5$1,978$16
22BMW 428i$1,982$20
23Mercedes-Benz CLA45 AMG$1,986$24
24Hyundai Genesis$1,988$26
25Volvo S80$1,994$32
26BMW 435xi$2,000$38
27BMW 535xi$2,008$46
28BMW Activehybrid 5$2,036$74
29Mercedes-Benz E550$2,042$80
30Jaguar XF$2,050$88
31Audi S6$2,064$102
32Audi S4$2,066$104
33Cadillac ELR$2,078$116
34Jaguar XK$2,080$118
35BMW 528i$2,084$122
2014 Midsize Luxury Car Average$2,089$127
36BMW 535d$2,094$132
37BMW 550i$2,096$134
38BMW 550xi$2,134$172
39Audi A7$2,194$232
40BMW 640i$2,196$234
41BMW 640xi$2,224$262
42Mercedes-Benz SL550$2,258$296
43Audi S7$2,310$348
44BMW 650xi$2,390$428
45BMW M5$2,394$432
46Jaguar XKR$2,470$508
47BMW M6$2,498$536
48Tesla Model S$2,512$550
49Mercedes-Benz SL63 AMG$2,596$634
50Mercedes-Benz CL63 AMG$2,858$896
51Mercedes-Benz SL65 AMG$3,212$1,250
52Mercedes-Benz SLS AMG$3,390$1,428

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 528xi Insurance Rates by Trim Level

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

2014 BMW 528xi Insurance Rates by Trim Level
2014 BMW 528xi Trim Level Annual Premium Cost Per Month
Sedan$1,962$164

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 528xi for different driver ages.

2014 BMW 528xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,115$593
17$6,870$573
18$6,107$509
19$5,574$465
20$4,251$354
21$4,054$338
22$3,621$302
23$2,980$248
24$2,812$234
25$2,280$190
30$2,086$174
35$2,018$168
40$1,962$164
45$1,840$153
50$1,744$145
55$1,628$136
60$1,632$136
65$1,742$145
70$1,894$158
75$2,242$187
80$2,772$231

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.