2017 BMW 540xi Car Insurance Calculator

Learn how changing risk factors impact the cost of insurance for a 2017 BMW 540xi. Tweak settings like your marital status, location, and homeowner status to see how insurance cost is affected. Immediately discover if the choices you make are positive or negative.

The average estimated car insurance premium for a 2017 BMW 540xi is $2,210 per year, or about $184 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

$2,210

Cost Per Month

$184

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 2017 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.

$2,210
Average Rate
Your Rate
$2,210

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 2017 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 2017 BMW 540xi is $2,210.

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.

2017 BMW 540xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2017 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.

2017 BMW 540xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,616-$594
2Lexus IS 300$1,856-$354
3Lexus RC 300$1,910-$300
4Mercedes-Benz AMG CLA45$1,940-$270
5Audi S5$1,968-$242
6Mercedes-Benz SLC300$1,978-$232
7Lexus ES 350$1,982-$228
8Genesis G80$1,998-$212
9Mercedes-Benz E300$2,040-$170
10Mercedes-Benz CLA250$2,052-$158
11Mercedes-Benz C350E$2,056-$154
12Audi A3$2,066-$144
13Lincoln MKZ$2,070-$140
14Lexus ES 300H$2,082-$128
15BMW 430i$2,104-$106
16Jaguar XE$2,148-$62
17Audi A6$2,160-$50
18Lexus GS 350$2,202-$8
19BMW 540xi$2,210--
20BMW 540i$2,216$6
21Jaguar XF$2,228$18
22BMW 440i$2,234$24
23BMW 530i$2,272$62
24Mercedes-Benz E400$2,284$74
25Mercedes-Benz AMG C43$2,310$100
26Mercedes-Benz SL450$2,312$102
2017 Midsize Luxury Car Average$2,357$147
27Mercedes-Benz E550$2,374$164
28BMW 535xi$2,382$172
29Infiniti Q50$2,384$174
30BMW 530xi$2,390$180
31Mercedes-Benz AMG E43$2,398$188
32BMW 535i$2,414$204
33Mercedes-Benz AMG C63$2,546$336
34Audi S6$2,554$344
35BMW 550xi$2,576$366
36BMW 640i$2,600$390
37Mercedes-Benz SL550$2,632$422
38BMW 640xi$2,650$440
39Lexus GS F$2,658$448
40Tesla Model S$2,710$500
41BMW 650xi$2,724$514
42Audi A7$2,752$542
43Mercedes-Benz S550E$2,842$632
44Audi S7$2,868$658
45BMW M6$3,066$856
46Mercedes-Benz SL63 AMG$3,122$912
47Mercedes-Benz SL65 AMG$3,838$1,628

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.

2017 540xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2017 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.

2017 BMW 540xi Insurance Rates by Trim Level
2017 BMW 540xi Trim Level Annual Premium Cost Per Month
Sedan$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.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2017 BMW 540xi for different driver ages.

2017 BMW 540xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,746$646
17$7,569$631
18$6,905$575
19$6,233$519
20$4,798$400
21$4,576$381
22$4,114$343
23$3,327$277
24$3,165$264
25$2,574$215
30$2,370$198
35$2,266$189
40$2,210$184
45$2,058$172
50$1,944$162
55$1,816$151
60$1,822$152
65$1,948$162
70$2,080$173
75$2,414$201
80$2,978$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 540xi trim levels.