2016 BMW 535xi Car Insurance Calculator

Get real-time feedback how different factors impact car insurance rates for a 2016 BMW 535xi. Fine-tune factors like policy discounts, 535xi trim level, driving record, and coverage amounts. Know immediately if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2016 BMW 535xi is $2,150 per year, or about $179 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

$2,150

Cost Per Month

$179

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 2016 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.

$2,150
Average Rate
Your Rate
$2,150

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 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 2016 BMW 535xi is $2,150.

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 535xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 535xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$532
2Acura ILX$1,686-$464
3Lexus IS 300$1,792-$358
4Volvo S80$1,834-$316
5Mercedes-Benz C350E$1,842-$308
6Lexus RC 300$1,856-$294
7Audi A3$1,888-$262
8Mercedes-Benz AMG CLA45$1,910-$240
9Lincoln MKZ$1,914-$236
10Lexus ES 300H$1,924-$226
11Audi A6$1,936-$214
12Mercedes-Benz CLA250$1,982-$168
13BMW 528i$2,020-$130
14Lexus GS 350$2,036-$114
15Mercedes-Benz E350$2,062-$88
16Audi S4$2,064-$86
17Mercedes-Benz SLK55 AMG$2,068-$82
18BMW 428xi$2,072-$78
19Jaguar XF$2,084-$66
20Cadillac ELR$2,090-$60
21Mercedes-Benz C450 AMG$2,100-$50
22BMW 428i$2,106-$44
23Audi S5$2,116-$34
24Hyundai Genesis$2,130-$20
25BMW 528xi$2,138-$12
26Infiniti Q50$2,144-$6
27BMW 535xi$2,150--
28BMW 435xi$2,174$24
29Mercedes-Benz E250$2,192$42
30Mercedes-Benz SL400$2,210$60
31BMW Active 5$2,218$68
32BMW 435i$2,224$74
2016 Midsize Luxury Car Average$2,227$77
33BMW 535d$2,250$100
34Mercedes-Benz E400$2,300$150
35BMW 535i$2,308$158
36Mercedes-Benz E550$2,320$170
37Audi S6$2,358$208
38BMW 550i$2,362$212
39Mercedes-Benz CLS400$2,436$286
40BMW 550xi$2,452$302
41Mercedes-Benz SL550$2,456$306
42BMW 640i$2,490$340
43Audi A7$2,504$354
44BMW 640xi$2,510$360
45BMW M5$2,518$368
46Audi S7$2,522$372
47Tesla Model S$2,590$440
48Mercedes-Benz S550E$2,594$444
49BMW 650xi$2,610$460
50Lexus GS F$2,622$472
51BMW M6$2,796$646
52Mercedes-Benz SL63 AMG$2,876$726
53Mercedes-Benz SL65 AMG$3,584$1,434

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 535xi Insurance Rates by Trim Level

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

2016 BMW 535xi Insurance Rates by Trim Level
2016 BMW 535xi Trim Level Annual Premium Cost Per Month
AWD$2,122$177
Gran Turismo AWD$2,180$182

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 535xi for different driver ages.

2016 BMW 535xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,685$640
17$7,472$623
18$6,744$562
19$6,113$509
20$4,686$391
21$4,468$372
22$4,003$334
23$3,259$272
24$3,088$257
25$2,502$209
30$2,298$192
35$2,206$184
40$2,150$179
45$2,008$167
50$1,900$158
55$1,776$148
60$1,782$149
65$1,904$159
70$2,046$171
75$2,404$200
80$2,970$248

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.