BMW 540xi Car Insurance Calculator

Explore and learn how changing risk factors influence insurance rates for a BMW 540xi. Experiment with rate factors like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly how the rate changes based on your selections and learn why rates increased or decreased.

The average estimated car insurance premium for a 2018 BMW 540xi is $2,298 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

$2,298

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 540xi 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 BMW 540xi.

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.

$2,298
Average Rate
Your Rate
$2,298

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW 540xi.

The 'Average Rate' is a combined value for all BMW 540xi 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 540xi is $2,298.

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 540xi vs. the Midsize Luxury Car Segment

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

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

2018 BMW 540xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$542
2Lexus IS 300$1,908-$390
3Lexus RC 300$1,992-$306
4Mercedes-Benz SLC300$2,058-$240
5Lexus ES 350$2,062-$236
6Mercedes-Benz AMG CLA45$2,076-$222
7Audi S5$2,114-$184
8Audi A3$2,126-$172
9Mercedes-Benz CLA250$2,136-$162
10Mercedes-Benz C350E$2,146-$152
11Lincoln MKZ$2,158-$140
12Mercedes-Benz E300$2,162-$136
13Lexus ES 300H$2,170-$128
14Genesis G80$2,174-$124
15BMW 430i$2,190-$108
16Audi A6$2,212-$86
17Audi S4$2,224-$74
18Lexus GS 300$2,260-$38
19Jaguar XE$2,262-$36
20Lexus GS 350$2,282-$16
21BMW 530i$2,288-$10
22BMW 540xi$2,298--
23BMW 540i$2,304$6
24BMW 440i$2,334$36
25Jaguar XF$2,354$56
26Mercedes-Benz AMG C43$2,410$112
27Mercedes-Benz SL450$2,430$132
28Mercedes-Benz E400$2,442$144
29Infiniti Q50$2,450$152
2018 Midsize Luxury Car Average$2,459$161
30BMW 530e$2,460$162
31Audi RS 5$2,490$192
32Mercedes-Benz AMG E43$2,500$202
33BMW 530xi$2,504$206
34BMW M550i$2,582$284
35Mercedes-Benz AMG C63$2,634$336
36BMW 640xi$2,642$344
37Audi S6$2,662$364
38BMW 640i$2,712$414
39Mercedes-Benz SL550$2,762$464
40Lexus GS F$2,772$474
41Tesla Model S$2,810$512
42Lexus LC 500H$2,834$536
43Audi A7$2,844$546
44BMW 650xi$2,848$550
45Audi S7$3,022$724
46BMW M5$3,034$736
47BMW M6$3,228$930
48Mercedes-Benz SL63 AMG$3,280$982
49Mercedes-Benz SL65 AMG$4,084$1,786

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 540xi Insurance Rates by Trim Level

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

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 540xi Insurance Rates by Trim Level
2018 BMW 540xi Trim Level Annual Premium Cost Per Month
Sedan$2,298$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 540xi for different driver ages.

2018 BMW 540xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,059$672
17$7,880$657
18$7,196$600
19$6,492$541
20$4,996$416
21$4,769$397
22$4,289$357
23$3,461$288
24$3,295$275
25$2,678$223
30$2,466$206
35$2,356$196
40$2,298$192
45$2,138$178
50$2,020$168
55$1,888$157
60$1,896$158
65$2,024$169
70$2,160$180
75$2,508$209
80$3,096$258

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 540xi trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 540xi.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW 540xi Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2018 BMW 540xi$2,298$192
2017 BMW 540xi$2,210$184

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 BMW 540xi trim levels for each model year.