2019 BMW 540i Car Insurance Calculator

Monitor in real-time how changes to different risk factors influence insurance rates for a 2019 BMW 540i. Update factors like driving violations, coverage levels, and mileage driven to see their impact. Immediately discover if rates increase or decrease with changes you make.

The average estimated car insurance premium for a 2019 BMW 540i is $2,442 per year, or about $204 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

$2,442

Cost Per Month

$204

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 2019 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.

$2,442
Average Rate
Your Rate
$2,442

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 2019 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 2019 BMW 540i is $2,442.

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.

2019 BMW 540i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2019 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.

2019 BMW 540i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$592
2Lexus IS 300$2,006-$436
3Lexus RC 300$2,094-$348
4Lexus ES 350$2,140-$302
5Lincoln MKZ$2,166-$276
6Mercedes-Benz SLC300$2,188-$254
7Mercedes-Benz AMG CLA45$2,198-$244
8Audi A3$2,236-$206
9Mercedes-Benz CLA250$2,260-$182
10Audi S5$2,264-$178
11Mercedes-Benz E300$2,274-$168
12Genesis G80$2,290-$152
13Lexus ES 300H$2,312-$130
14BMW 430i$2,328-$114
15Lexus GS 300$2,368-$74
16Audi A6$2,378-$64
17Audi S4$2,390-$52
18Lexus GS 350$2,396-$46
19Mercedes-Benz CLS450$2,410-$32
20BMW 540i$2,442--
21BMW 530i$2,444$2
22Mercedes-Benz E450$2,474$32
23Jaguar XF$2,484$42
2019 Midsize Luxury Car Average$2,497$55
24BMW 440i$2,498$56
25Mercedes-Benz AMG C43$2,552$110
26Mercedes-Benz SL450$2,560$118
27BMW 530e$2,598$156
28Infiniti Q50$2,614$172
29BMW M550i$2,726$284
30Audi RS 5$2,738$296
31BMW 640i$2,772$330
32Mercedes-Benz AMG C63$2,782$340
33Tesla Model S$2,788$346
34Lexus GS F$2,914$472
35Mercedes-Benz SL550$2,922$480
36Audi A7$2,946$504
37Lexus LC 500H$2,974$532
38BMW M5$3,134$692
39BMW M6$3,472$1,030

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.

2019 540i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 BMW 540i Insurance Rates by Trim Level
2019 BMW 540i Trim Level Annual Premium Cost Per Month
xDrive Sedan$2,420$202
Sedan$2,464$205

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 2019 BMW 540i for different driver ages.

2019 BMW 540i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,637$720
17$8,436$703
18$7,687$641
19$6,939$578
20$5,335$445
21$5,086$424
22$4,569$381
23$3,688$307
24$3,505$292
25$2,844$237
30$2,614$218
35$2,504$209
40$2,442$204
45$2,274$190
50$2,148$179
55$2,008$167
60$2,014$168
65$2,156$180
70$2,302$192
75$2,686$224
80$3,322$277

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.