2018 BMW 530xi Car Insurance Calculator

Watch in real-time how changes to driver risk factors and vehicle options impact car insurance rates for a 2018 BMW 530xi. Ajust options like gender of the driver, whether you're married or single, and the state and city you live in to see how insurance rates are affected. Instantly discover if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2018 BMW 530xi is $2,504 per year, or about $209 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

$2,504

Cost Per Month

$209

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 530xi 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 530xi.

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.

$2,504
Average Rate
Your Rate
$2,504

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 530xi 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 530xi is $2,504.

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 530xi vs. the Midsize Luxury Car Segment

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

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

2018 BMW 530xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$748
2Lexus IS 300$1,908-$596
3Lexus RC 300$1,992-$512
4Mercedes-Benz SLC300$2,058-$446
5Lexus ES 350$2,062-$442
6Mercedes-Benz AMG CLA45$2,076-$428
7Audi S5$2,114-$390
8Audi A3$2,126-$378
9Mercedes-Benz CLA250$2,136-$368
10Mercedes-Benz C350E$2,146-$358
11Lincoln MKZ$2,158-$346
12Mercedes-Benz E300$2,162-$342
13Lexus ES 300H$2,170-$334
14Genesis G80$2,174-$330
15BMW 430i$2,190-$314
16Audi A6$2,212-$292
17Audi S4$2,224-$280
18Lexus GS 300$2,260-$244
19Jaguar XE$2,262-$242
20Lexus GS 350$2,282-$222
21BMW 530i$2,288-$216
22BMW 540xi$2,298-$206
23BMW 540i$2,304-$200
24BMW 440i$2,334-$170
25Jaguar XF$2,354-$150
26Mercedes-Benz AMG C43$2,410-$94
27Mercedes-Benz SL450$2,430-$74
28Mercedes-Benz E400$2,442-$62
29Infiniti Q50$2,450-$54
2018 Midsize Luxury Car Average$2,459-$45
30BMW 530e$2,460-$44
31Audi RS 5$2,490-$14
32Mercedes-Benz AMG E43$2,500-$4
33BMW 530xi$2,504--
34BMW M550i$2,582$78
35Mercedes-Benz AMG C63$2,634$130
36BMW 640xi$2,642$138
37Audi S6$2,662$158
38BMW 640i$2,712$208
39Mercedes-Benz SL550$2,762$258
40Lexus GS F$2,772$268
41Tesla Model S$2,810$306
42Lexus LC 500H$2,834$330
43Audi A7$2,844$340
44BMW 650xi$2,848$344
45Audi S7$3,022$518
46BMW M5$3,034$530
47BMW M6$3,228$724
48Mercedes-Benz SL63 AMG$3,280$776
49Mercedes-Benz SL65 AMG$4,084$1,580

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.

2018 530xi Insurance Rates by Trim Level

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

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 530xi Insurance Rates by Trim Level
2018 BMW 530xi Trim Level Annual Premium Cost Per Month
Sedan$2,504$209

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 530xi for different driver ages.

2018 BMW 530xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,058$755
17$8,765$730
18$7,831$653
19$7,130$594
20$5,444$454
21$5,192$433
22$4,640$387
23$3,806$317
24$3,595$300
25$2,912$243
30$2,672$223
35$2,574$215
40$2,504$209
45$2,344$195
50$2,222$185
55$2,074$173
60$2,080$173
65$2,220$185
70$2,408$201
75$2,848$237
80$3,520$293

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 530xi trim levels.