2016 BMW 535i Car Insurance Calculator

Explore and understand how different risk factors affect the cost of insurance for a 2016 BMW 535i. Make changes to factors like annual miles driven, vehicle usage, and gender of the driver to see how your rate changes. Know immediately if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2016 BMW 535i is $2,308 per year, or about $192 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

$2,308

Cost Per Month

$192

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 535i 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 535i.

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.

$2,308
Average Rate
Your Rate
$2,308

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 535i 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 535i is $2,308.

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 535i vs. the Midsize Luxury Car Segment

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

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

2016 BMW 535i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$690
2Acura ILX$1,686-$622
3Lexus IS 300$1,792-$516
4Volvo S80$1,834-$474
5Mercedes-Benz C350E$1,842-$466
6Lexus RC 300$1,856-$452
7Audi A3$1,888-$420
8Mercedes-Benz AMG CLA45$1,910-$398
9Lincoln MKZ$1,914-$394
10Lexus ES 300H$1,924-$384
11Audi A6$1,936-$372
12Mercedes-Benz CLA250$1,982-$326
13BMW 528i$2,020-$288
14Lexus GS 350$2,036-$272
15Mercedes-Benz E350$2,062-$246
16Audi S4$2,064-$244
17Mercedes-Benz SLK55 AMG$2,068-$240
18BMW 428xi$2,072-$236
19Jaguar XF$2,084-$224
20Cadillac ELR$2,090-$218
21Mercedes-Benz C450 AMG$2,100-$208
22BMW 428i$2,106-$202
23Audi S5$2,116-$192
24Hyundai Genesis$2,130-$178
25BMW 528xi$2,138-$170
26Infiniti Q50$2,144-$164
27BMW 535xi$2,150-$158
28BMW 435xi$2,174-$134
29Mercedes-Benz E250$2,192-$116
30Mercedes-Benz SL400$2,210-$98
31BMW Active 5$2,218-$90
32BMW 435i$2,224-$84
2016 Midsize Luxury Car Average$2,227-$81
33BMW 535d$2,250-$58
34Mercedes-Benz E400$2,300-$8
35BMW 535i$2,308--
36Mercedes-Benz E550$2,320$12
37Audi S6$2,358$50
38BMW 550i$2,362$54
39Mercedes-Benz CLS400$2,436$128
40BMW 550xi$2,452$144
41Mercedes-Benz SL550$2,456$148
42BMW 640i$2,490$182
43Audi A7$2,504$196
44BMW 640xi$2,510$202
45BMW M5$2,518$210
46Audi S7$2,522$214
47Tesla Model S$2,590$282
48Mercedes-Benz S550E$2,594$286
49BMW 650xi$2,610$302
50Lexus GS F$2,622$314
51BMW M6$2,796$488
52Mercedes-Benz SL63 AMG$2,876$568
53Mercedes-Benz SL65 AMG$3,584$1,276

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 535i Insurance Rates by Trim Level

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

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 535i Insurance Rates by Trim Level
2016 BMW 535i Trim Level Annual Premium Cost Per Month
Sedan$2,282$190
Gran Turismo Sedan$2,332$194

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 535i for different driver ages.

2016 BMW 535i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,296$691
17$8,045$670
18$7,219$602
19$6,559$547
20$5,018$418
21$4,784$399
22$4,282$357
23$3,499$292
24$3,309$276
25$2,684$224
30$2,458$205
35$2,368$197
40$2,308$192
45$2,154$180
50$2,040$170
55$1,906$159
60$1,912$159
65$2,042$170
70$2,208$184
75$2,600$217
80$3,214$268

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 535i trim levels.