2021 BMW 530i Car Insurance Calculator

Understand how seemingly small changes affect car insurance rates for a 2021 BMW 530i. Change vehicle usage, driver gender, marital status, and the state you live in plus many other factors. Know immediately if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2021 BMW 530i is $2,638 per year, or about $220 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

$2,638

Cost Per Month

$220

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 2021 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.

$2,638
Average Rate
Your Rate
$2,638

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 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 2021 BMW 530i is $2,638.

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 530i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2021 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.

2021 BMW 530i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,946-$692
2Lexus RC 300$2,240-$398
3Lexus ES 350$2,310-$328
4Mercedes-Benz AMG CLA45$2,322-$316
5Lexus IS 300$2,352-$286
6Audi A3$2,386-$252
7Cadillac CT5$2,428-$210
8Audi S5$2,494-$144
9Mercedes-Benz E350$2,568-$70
10Lexus ES 300H$2,606-$32
11Audi S4$2,630-$8
12BMW 530i$2,638--
13BMW 540i$2,668$30
14Mercedes-Benz CLA250$2,682$44
15Genesis G80$2,692$54
16Audi A6$2,698$60
17Mercedes-Benz E450$2,732$94
18BMW 430i$2,754$116
19Jaguar XF$2,756$118
20Mercedes-Benz CLS450$2,790$152
2021 Midsize Luxury Car Average$2,813$175
21Mercedes-Benz AMG C43$2,880$242
22BMW 440i$2,894$256
23Audi RS 5$2,926$288
24Audi S6$2,994$356
25Infiniti Q50$3,016$378
26BMW 530e$3,032$394
27Mercedes-Benz AMG C63$3,158$520
28BMW M550i$3,220$582
29Tesla Model S$3,298$660
30Audi A7$3,344$706
31Lexus LC 500H$3,432$794
32Audi S7$3,562$924
33BMW M8$3,576$938
34BMW M5$3,612$974

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 530i Insurance Rates by Trim Level

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

2021 BMW 530i Insurance Rates by Trim Level
2021 BMW 530i Trim Level Annual Premium Cost Per Month
Sedan$2,576$215
Executive Sedan$2,638$220
Premium Sedan$2,638$220
Sport Sedan$2,638$220
xDrive Executive Sedan$2,638$220
xDrive Premium Sedan$2,638$220
xDrive Sedan$2,638$220
xDrive Sport Sedan$2,704$225

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 530i for different driver ages.

2021 BMW 530i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,311$776
17$9,050$754
18$8,166$681
19$7,416$618
20$5,698$475
21$5,437$453
22$4,876$406
23$3,989$332
24$3,778$315
25$3,068$256
30$2,818$235
35$2,710$226
40$2,638$220
45$2,462$205
50$2,332$194
55$2,176$181
60$2,182$182
65$2,326$194
70$2,502$209
75$2,930$244
80$3,604$300

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.