2021 BMW 540i Car Insurance Calculator

Explore and learn how seemingly small changes affect the cost of insurance for a 2021 BMW 540i. Customize choices like annual miles driven, vehicle usage, and gender of the driver to see how your rate changes. Know immediately if the choice you make has a positive or negative impact on rates.

The average estimated car insurance premium for a 2021 BMW 540i is $2,668 per year, or about $222 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

$2,668

Cost Per Month

$222

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 2021 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.

$2,668
Average Rate
Your Rate
$2,668

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 2021 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 2021 BMW 540i is $2,668.

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.

2021 BMW 540i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2021 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.

2021 BMW 540i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,946-$722
2Lexus RC 300$2,240-$428
3Lexus ES 350$2,310-$358
4Mercedes-Benz AMG CLA45$2,322-$346
5Lexus IS 300$2,352-$316
6Audi A3$2,386-$282
7Cadillac CT5$2,428-$240
8Audi S5$2,494-$174
9Mercedes-Benz E350$2,568-$100
10Lexus ES 300H$2,606-$62
11Audi S4$2,630-$38
12BMW 530i$2,638-$30
13BMW 540i$2,668--
14Mercedes-Benz CLA250$2,682$14
15Genesis G80$2,692$24
16Audi A6$2,698$30
17Mercedes-Benz E450$2,732$64
18BMW 430i$2,754$86
19Jaguar XF$2,756$88
20Mercedes-Benz CLS450$2,790$122
2021 Midsize Luxury Car Average$2,813$145
21Mercedes-Benz AMG C43$2,880$212
22BMW 440i$2,894$226
23Audi RS 5$2,926$258
24Audi S6$2,994$326
25Infiniti Q50$3,016$348
26BMW 530e$3,032$364
27Mercedes-Benz AMG C63$3,158$490
28BMW M550i$3,220$552
29Tesla Model S$3,298$630
30Audi A7$3,344$676
31Lexus LC 500H$3,432$764
32Audi S7$3,562$894
33BMW M8$3,576$908
34BMW M5$3,612$944

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.

2021 540i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW 540i Insurance Rates by Trim Level
2021 BMW 540i Trim Level Annual Premium Cost Per Month
xDrive Premium Sedan$2,628$219
xDrive Sedan$2,628$219
Sedan$2,632$219
xDrive Executive Sedan$2,692$224
xDrive Sport Sedan$2,692$224
Executive Sedan$2,698$225
Premium Sedan$2,698$225
Sport Sedan$2,698$225

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 2021 BMW 540i for different driver ages.

2021 BMW 540i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,505$792
17$9,260$772
18$8,396$700
19$7,595$633
20$5,830$486
21$5,558$463
22$4,990$416
23$4,043$337
24$3,838$320
25$3,110$259
30$2,856$238
35$2,734$228
40$2,668$222
45$2,488$207
50$2,352$196
55$2,196$183
60$2,206$184
65$2,358$197
70$2,532$211
75$2,964$247
80$3,664$305

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.