2021 BMW 530e Car Insurance Calculator

Get real-time feedback how life choices influence insurance rates for a 2021 BMW 530e. Experiment with options like vehicle usage, gender of the driver, and marital status to see how rates are affected. See instantly if the selections you make raise or lower your rate.

The average estimated car insurance premium for a 2021 BMW 530e is $3,032 per year, or about $253 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

$3,032

Cost Per Month

$253

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 530e 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 2021 BMW 530e.

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.

$3,032
Average Rate
Your Rate
$3,032

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 2021 BMW 530e 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 2021 BMW 530e is $3,032.

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.

2021 BMW 530e vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2021 BMW 530e against all other models in the midsize luxury car segment. The BMW 530e 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 530e, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 530e.

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

2021 BMW 530e Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,946-$1,086
2Lexus RC 300$2,240-$792
3Lexus ES 350$2,310-$722
4Mercedes-Benz AMG CLA45$2,322-$710
5Lexus IS 300$2,352-$680
6Audi A3$2,386-$646
7Cadillac CT5$2,428-$604
8Audi S5$2,494-$538
9Mercedes-Benz E350$2,568-$464
10Lexus ES 300H$2,606-$426
11Audi S4$2,630-$402
12BMW 530i$2,638-$394
13BMW 540i$2,668-$364
14Mercedes-Benz CLA250$2,682-$350
15Genesis G80$2,692-$340
16Audi A6$2,698-$334
17Mercedes-Benz E450$2,732-$300
18BMW 430i$2,754-$278
19Jaguar XF$2,756-$276
20Mercedes-Benz CLS450$2,790-$242
2021 Midsize Luxury Car Average$2,813-$219
21Mercedes-Benz AMG C43$2,880-$152
22BMW 440i$2,894-$138
23Audi RS 5$2,926-$106
24Audi S6$2,994-$38
25Infiniti Q50$3,016-$16
26BMW 530e$3,032--
27Mercedes-Benz AMG C63$3,158$126
28BMW M550i$3,220$188
29Tesla Model S$3,298$266
30Audi A7$3,344$312
31Lexus LC 500H$3,432$400
32Audi S7$3,562$530
33BMW M8$3,576$544
34BMW M5$3,612$580

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.

2021 530e Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 BMW 530e.

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.

2021 BMW 530e Insurance Rates by Trim Level
2021 BMW 530e Trim Level Annual Premium Cost Per Month
Sedan$2,968$247
Executive Sedan$3,032$253
Premium Sedan$3,032$253
Sport Sedan$3,032$253
xDrive Executive Sedan$3,032$253
xDrive Premium Sedan$3,032$253
xDrive Sedan$3,032$253
xDrive Sport Sedan$3,098$258

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 2021 BMW 530e for different driver ages.

2021 BMW 530e Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,004$917
17$10,662$889
18$9,556$796
19$8,682$724
20$6,633$553
21$6,320$527
22$5,649$471
23$4,612$384
24$4,363$364
25$3,530$294
30$3,236$270
35$3,116$260
40$3,032$253
45$2,834$236
50$2,684$224
55$2,506$209
60$2,514$210
65$2,690$224
70$2,914$243
75$3,444$287
80$4,266$356

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 530e trim levels.