2018 BMW 540i Car Insurance Calculator

Watch in real-time how changes to risk factors and vehicle options impact the cost of car insurance for a 2018 BMW 540i. Ajust options like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly how much rates change and learn why.

The average estimated car insurance premium for a 2018 BMW 540i is $2,304 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

$2,304

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 540i 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 2018 BMW 540i.

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.

$2,304
Average Rate
Your Rate
$2,304

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 2018 BMW 540i 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 2018 BMW 540i is $2,304.

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.

2018 BMW 540i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 BMW 540i against all other models in the midsize luxury car segment. The BMW 540i 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 540i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 540i.

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

2018 BMW 540i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$548
2Lexus IS 300$1,908-$396
3Lexus RC 300$1,992-$312
4Mercedes-Benz SLC300$2,058-$246
5Lexus ES 350$2,062-$242
6Mercedes-Benz AMG CLA45$2,076-$228
7Audi S5$2,114-$190
8Audi A3$2,126-$178
9Mercedes-Benz CLA250$2,136-$168
10Mercedes-Benz C350E$2,146-$158
11Lincoln MKZ$2,158-$146
12Mercedes-Benz E300$2,162-$142
13Lexus ES 300H$2,170-$134
14Genesis G80$2,174-$130
15BMW 430i$2,190-$114
16Audi A6$2,212-$92
17Audi S4$2,224-$80
18Lexus GS 300$2,260-$44
19Jaguar XE$2,262-$42
20Lexus GS 350$2,282-$22
21BMW 530i$2,288-$16
22BMW 540xi$2,298-$6
23BMW 540i$2,304--
24BMW 440i$2,334$30
25Jaguar XF$2,354$50
26Mercedes-Benz AMG C43$2,410$106
27Mercedes-Benz SL450$2,430$126
28Mercedes-Benz E400$2,442$138
29Infiniti Q50$2,450$146
2018 Midsize Luxury Car Average$2,459$155
30BMW 530e$2,460$156
31Audi RS 5$2,490$186
32Mercedes-Benz AMG E43$2,500$196
33BMW 530xi$2,504$200
34BMW M550i$2,582$278
35Mercedes-Benz AMG C63$2,634$330
36BMW 640xi$2,642$338
37Audi S6$2,662$358
38BMW 640i$2,712$408
39Mercedes-Benz SL550$2,762$458
40Lexus GS F$2,772$468
41Tesla Model S$2,810$506
42Lexus LC 500H$2,834$530
43Audi A7$2,844$540
44BMW 650xi$2,848$544
45Audi S7$3,022$718
46BMW M5$3,034$730
47BMW M6$3,228$924
48Mercedes-Benz SL63 AMG$3,280$976
49Mercedes-Benz SL65 AMG$4,084$1,780

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.

2018 540i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 BMW 540i.

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.

2018 BMW 540i Insurance Rates by Trim Level
2018 BMW 540i Trim Level Annual Premium Cost Per Month
Sedan$2,304$192

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 2018 BMW 540i for different driver ages.

2018 BMW 540i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,128$677
17$7,949$662
18$7,261$605
19$6,544$545
20$5,033$419
21$4,803$400
22$4,314$360
23$3,476$290
24$3,308$276
25$2,688$224
30$2,470$206
35$2,360$197
40$2,304$192
45$2,144$179
50$2,024$169
55$1,892$158
60$1,900$158
65$2,034$170
70$2,170$181
75$2,524$210
80$3,120$260

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 540i trim levels.