2016 BMW 535d Car Insurance Calculator

View in real-time how different driver and vehicle factors impact the insurance cost for a 2016 BMW 535d. Customize coverage amounts, annual mileage, vehicle usage, and driver gender to learn how each affects rates. Get instant feedback if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2016 BMW 535d is $2,250 per year, or about $188 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

$2,250

Cost Per Month

$188

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 535d 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 2016 BMW 535d.

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.

$2,250
Average Rate
Your Rate
$2,250

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 2016 BMW 535d 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 2016 BMW 535d is $2,250.

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.

2016 BMW 535d vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 BMW 535d against all other models in the midsize luxury car segment. The BMW 535d 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 535d, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 535d.

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

2016 BMW 535d Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$632
2Acura ILX$1,686-$564
3Lexus IS 300$1,792-$458
4Volvo S80$1,834-$416
5Mercedes-Benz C350E$1,842-$408
6Lexus RC 300$1,856-$394
7Audi A3$1,888-$362
8Mercedes-Benz AMG CLA45$1,910-$340
9Lincoln MKZ$1,914-$336
10Lexus ES 300H$1,924-$326
11Audi A6$1,936-$314
12Mercedes-Benz CLA250$1,982-$268
13BMW 528i$2,020-$230
14Lexus GS 350$2,036-$214
15Mercedes-Benz E350$2,062-$188
16Audi S4$2,064-$186
17Mercedes-Benz SLK55 AMG$2,068-$182
18BMW 428xi$2,072-$178
19Jaguar XF$2,084-$166
20Cadillac ELR$2,090-$160
21Mercedes-Benz C450 AMG$2,100-$150
22BMW 428i$2,106-$144
23Audi S5$2,116-$134
24Hyundai Genesis$2,130-$120
25BMW 528xi$2,138-$112
26Infiniti Q50$2,144-$106
27BMW 535xi$2,150-$100
28BMW 435xi$2,174-$76
29Mercedes-Benz E250$2,192-$58
30Mercedes-Benz SL400$2,210-$40
31BMW Active 5$2,218-$32
32BMW 435i$2,224-$26
2016 Midsize Luxury Car Average$2,227-$23
33BMW 535d$2,250--
34Mercedes-Benz E400$2,300$50
35BMW 535i$2,308$58
36Mercedes-Benz E550$2,320$70
37Audi S6$2,358$108
38BMW 550i$2,362$112
39Mercedes-Benz CLS400$2,436$186
40BMW 550xi$2,452$202
41Mercedes-Benz SL550$2,456$206
42BMW 640i$2,490$240
43Audi A7$2,504$254
44BMW 640xi$2,510$260
45BMW M5$2,518$268
46Audi S7$2,522$272
47Tesla Model S$2,590$340
48Mercedes-Benz S550E$2,594$344
49BMW 650xi$2,610$360
50Lexus GS F$2,622$372
51BMW M6$2,796$546
52Mercedes-Benz SL63 AMG$2,876$626
53Mercedes-Benz SL65 AMG$3,584$1,334

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.

2016 535d Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 BMW 535d.

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.

2016 BMW 535d Insurance Rates by Trim Level
2016 BMW 535d Trim Level Annual Premium Cost Per Month
Sedan$2,250$188
xDrive Sedan$2,250$188

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 2016 BMW 535d for different driver ages.

2016 BMW 535d Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,082$674
17$7,831$653
18$7,019$585
19$6,382$532
20$4,884$407
21$4,657$388
22$4,167$347
23$3,410$284
24$3,225$269
25$2,616$218
30$2,396$200
35$2,310$193
40$2,250$188
45$2,104$175
50$1,992$166
55$1,858$155
60$1,866$156
65$1,992$166
70$2,154$180
75$2,540$212
80$3,136$261

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 535d trim levels.