BMW 535xi Car Insurance Calculator

Learn visually how choices you make impact the cost of insurance for a BMW 535xi. Customize choices like credit rating, policy coverages, and liability limits and watch the impact on your premiums. See instantly how much and why your choice impacts rates.

The average estimated car insurance premium for a 2017 BMW 535xi is $2,382 per year, or about $199 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

$2,382

Cost Per Month

$199

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 535xi 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 BMW 535xi.

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.

$2,382
Average Rate
Your Rate
$2,382

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW 535xi.

The 'Average Rate' is a combined value for all BMW 535xi 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 2017 BMW 535xi is $2,382.

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.

2017 BMW 535xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2017 BMW 535xi against all other models in the midsize luxury car segment. The BMW 535xi 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 535xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 535xi.

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

2017 BMW 535xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,616-$766
2Lexus IS 300$1,856-$526
3Lexus RC 300$1,910-$472
4Mercedes-Benz AMG CLA45$1,940-$442
5Audi S5$1,968-$414
6Mercedes-Benz SLC300$1,978-$404
7Lexus ES 350$1,982-$400
8Genesis G80$1,998-$384
9Mercedes-Benz E300$2,040-$342
10Mercedes-Benz CLA250$2,052-$330
11Mercedes-Benz C350E$2,056-$326
12Audi A3$2,066-$316
13Lincoln MKZ$2,070-$312
14Lexus ES 300H$2,082-$300
15BMW 430i$2,104-$278
16Jaguar XE$2,148-$234
17Audi A6$2,160-$222
18Lexus GS 350$2,202-$180
19BMW 540xi$2,210-$172
20BMW 540i$2,216-$166
21Jaguar XF$2,228-$154
22BMW 440i$2,234-$148
23BMW 530i$2,272-$110
24Mercedes-Benz E400$2,284-$98
25Mercedes-Benz AMG C43$2,310-$72
26Mercedes-Benz SL450$2,312-$70
2017 Midsize Luxury Car Average$2,357-$25
27Mercedes-Benz E550$2,374-$8
28BMW 535xi$2,382--
29Infiniti Q50$2,384$2
30BMW 530xi$2,390$8
31Mercedes-Benz AMG E43$2,398$16
32BMW 535i$2,414$32
33Mercedes-Benz AMG C63$2,546$164
34Audi S6$2,554$172
35BMW 550xi$2,576$194
36BMW 640i$2,600$218
37Mercedes-Benz SL550$2,632$250
38BMW 640xi$2,650$268
39Lexus GS F$2,658$276
40Tesla Model S$2,710$328
41BMW 650xi$2,724$342
42Audi A7$2,752$370
43Mercedes-Benz S550E$2,842$460
44Audi S7$2,868$486
45BMW M6$3,066$684
46Mercedes-Benz SL63 AMG$3,122$740
47Mercedes-Benz SL65 AMG$3,838$1,456

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.

2017 535xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2017 BMW 535xi.

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.

2017 BMW 535xi Insurance Rates by Trim Level
2017 BMW 535xi Trim Level Annual Premium Cost Per Month
Gran Turismo AWD$2,382$199

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 2017 BMW 535xi for different driver ages.

2017 BMW 535xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,607$717
17$8,356$696
18$7,511$626
19$6,814$568
20$5,208$434
21$4,966$414
22$4,442$370
23$3,618$302
24$3,426$286
25$2,774$231
30$2,540$212
35$2,444$204
40$2,382$199
45$2,224$185
50$2,102$175
55$1,966$164
60$1,972$164
65$2,110$176
70$2,282$190
75$2,688$224
80$3,332$278

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 535xi trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 535xi.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW 535xi Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2017 BMW 535xi$2,382$199
2016 BMW 535xi$2,150$179
2015 BMW 535xi$2,196$183
2014 BMW 535xi$2,008$167
2013 BMW 535xi$1,886$157

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 BMW 535xi trim levels for each model year.