2013 BMW 535xi Car Insurance Calculator

Learn and understand how changes to risk factors and vehicle options impact car insurance rates for a 2013 BMW 535xi. Update factors like policy coverages, liability limits, and deductibles to see how each affects your premiums. Instantly discover if the changes you make have a positive or negative affect on rates.

The average estimated car insurance premium for a 2013 BMW 535xi is $1,886 per year, or about $157 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

$1,886

Cost Per Month

$157

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 2013 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.

$1,886
Average Rate
Your Rate
$1,886

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 2013 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 2013 BMW 535xi is $1,886.

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.

2013 BMW 535xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2013 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.

2013 BMW 535xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A3$1,434-$452
2Acura TL$1,458-$428
3Acura ILX$1,492-$394
4Acura TSX$1,532-$354
5Volvo C70$1,558-$328
6Lincoln MKZ$1,578-$308
7Lexus GS 350$1,586-$300
8Lexus ES 350$1,614-$272
9Audi A6$1,618-$268
10Lexus ES 300H$1,640-$246
11Mercedes-Benz SLK55 AMG$1,654-$232
12Mercedes-Benz C350$1,692-$194
13Volvo S80$1,750-$136
14Infiniti G37$1,776-$110
15Audi S5$1,786-$100
16Mercedes-Benz E350$1,800-$86
17BMW 528xi$1,802-$84
18Hyundai Genesis$1,806-$80
19Infiniti M35$1,818-$68
20Jaguar XF$1,822-$64
21Mercedes-Benz E550$1,848-$38
22Mercedes-Benz E400$1,858-$28
23Infiniti M37$1,864-$22
24BMW 535xi$1,886--
25BMW 550xi$1,906$20
26Audi S4$1,912$26
27BMW 528i$1,914$28
28BMW Activehybrid 5$1,926$40
29BMW 535i$1,958$72
2013 Midsize Luxury Car Average$1,963$77
30Audi RS 5$1,966$80
31BMW 550i$1,980$94
32Jaguar XK$1,996$110
33Mercedes-Benz SL550$2,010$124
34Audi S6$2,064$178
35BMW 640i$2,126$240
36Mercedes-Benz S400$2,152$266
37Audi S7$2,170$284
38Audi A7$2,194$308
39Tesla Model S$2,266$380
40Jaguar XKR$2,298$412
41Mercedes-Benz S350$2,324$438
42BMW M6$2,334$448
43BMW 650xi$2,370$484
44BMW M5$2,380$494
45Mercedes-Benz SL63 AMG$2,572$686
46Mercedes-Benz CL63 AMG$2,820$934
47Mercedes-Benz SLS AMG$2,920$1,034
48Mercedes-Benz SL65 AMG$3,012$1,126

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.

2013 535xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 BMW 535xi Insurance Rates by Trim Level
2013 BMW 535xi Trim Level Annual Premium Cost Per Month
AWD$1,866$156
Gran Turismo AWD$1,906$159

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 2013 BMW 535xi for different driver ages.

2013 BMW 535xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,761$563
17$6,552$546
18$5,877$490
19$5,344$445
20$4,092$341
21$3,902$325
22$3,493$291
23$2,857$238
24$2,703$225
25$2,190$183
30$2,010$168
35$1,938$162
40$1,886$157
45$1,766$147
50$1,672$139
55$1,562$130
60$1,568$131
65$1,672$139
70$1,804$150
75$2,124$177
80$2,622$219

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.