2018 BMW 530i Car Insurance Calculator

Discover and learn how the choices you make affect the cost of insurance for a 2018 BMW 530i. Customize rate factors like 530i trim level, driving record, policy coverages, and annual miles driven. Instantly see whether your selection increases or decreases your premium.

The average estimated car insurance premium for a 2018 BMW 530i is $2,288 per year, or about $191 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

$2,288

Cost Per Month

$191

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 530i 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 2018 BMW 530i.

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.

$2,288
Average Rate
Your Rate
$2,288

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 2018 BMW 530i 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 2018 BMW 530i is $2,288.

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.

2018 BMW 530i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 BMW 530i against all other models in the midsize luxury car segment. The BMW 530i 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 530i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 530i.

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

2018 BMW 530i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$532
2Lexus IS 300$1,908-$380
3Lexus RC 300$1,992-$296
4Mercedes-Benz SLC300$2,058-$230
5Lexus ES 350$2,062-$226
6Mercedes-Benz AMG CLA45$2,076-$212
7Audi S5$2,114-$174
8Audi A3$2,126-$162
9Mercedes-Benz CLA250$2,136-$152
10Mercedes-Benz C350E$2,146-$142
11Lincoln MKZ$2,158-$130
12Mercedes-Benz E300$2,162-$126
13Lexus ES 300H$2,170-$118
14Genesis G80$2,174-$114
15BMW 430i$2,190-$98
16Audi A6$2,212-$76
17Audi S4$2,224-$64
18Lexus GS 300$2,260-$28
19Jaguar XE$2,262-$26
20Lexus GS 350$2,282-$6
21BMW 530i$2,288--
22BMW 540xi$2,298$10
23BMW 540i$2,304$16
24BMW 440i$2,334$46
25Jaguar XF$2,354$66
26Mercedes-Benz AMG C43$2,410$122
27Mercedes-Benz SL450$2,430$142
28Mercedes-Benz E400$2,442$154
29Infiniti Q50$2,450$162
2018 Midsize Luxury Car Average$2,459$171
30BMW 530e$2,460$172
31Audi RS 5$2,490$202
32Mercedes-Benz AMG E43$2,500$212
33BMW 530xi$2,504$216
34BMW M550i$2,582$294
35Mercedes-Benz AMG C63$2,634$346
36BMW 640xi$2,642$354
37Audi S6$2,662$374
38BMW 640i$2,712$424
39Mercedes-Benz SL550$2,762$474
40Lexus GS F$2,772$484
41Tesla Model S$2,810$522
42Lexus LC 500H$2,834$546
43Audi A7$2,844$556
44BMW 650xi$2,848$560
45Audi S7$3,022$734
46BMW M5$3,034$746
47BMW M6$3,228$940
48Mercedes-Benz SL63 AMG$3,280$992
49Mercedes-Benz SL65 AMG$4,084$1,796

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.

2018 530i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 BMW 530i.

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.

2018 BMW 530i Insurance Rates by Trim Level
2018 BMW 530i Trim Level Annual Premium Cost Per Month
Sedan$2,288$191

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 2018 BMW 530i for different driver ages.

2018 BMW 530i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,206$684
17$7,950$663
18$7,122$594
19$6,481$540
20$4,962$414
21$4,730$394
22$4,232$353
23$3,466$289
24$3,277$273
25$2,660$222
30$2,438$203
35$2,348$196
40$2,288$191
45$2,138$178
50$2,024$169
55$1,890$158
60$1,896$158
65$2,024$169
70$2,188$182
75$2,580$215
80$3,182$265

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 530i trim levels.