2013 BMW 550i Car Insurance Calculator

Get instant feedback how choices you make influence insurance rates for a 2013 BMW 550i. Experiment with factors like annual miles driven, vehicle usage, driver gender, and your marital status. Find out instantly the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2013 BMW 550i is $1,980 per year, or about $165 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

$1,980

Cost Per Month

$165

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 550i 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 2013 BMW 550i.

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.

$1,980
Average Rate
Your Rate
$1,980

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 2013 BMW 550i 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 2013 BMW 550i is $1,980.

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.

2013 BMW 550i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2013 BMW 550i against all other models in the midsize luxury car segment. The BMW 550i 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 550i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 550i.

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

2013 BMW 550i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A3$1,434-$546
2Acura TL$1,458-$522
3Acura ILX$1,492-$488
4Acura TSX$1,532-$448
5Volvo C70$1,558-$422
6Lincoln MKZ$1,578-$402
7Lexus GS 350$1,586-$394
8Lexus ES 350$1,614-$366
9Audi A6$1,618-$362
10Lexus ES 300H$1,640-$340
11Mercedes-Benz SLK55 AMG$1,654-$326
12Mercedes-Benz C350$1,692-$288
13Volvo S80$1,750-$230
14Infiniti G37$1,776-$204
15Audi S5$1,786-$194
16Mercedes-Benz E350$1,800-$180
17BMW 528xi$1,802-$178
18Hyundai Genesis$1,806-$174
19Infiniti M35$1,818-$162
20Jaguar XF$1,822-$158
21Mercedes-Benz E550$1,848-$132
22Mercedes-Benz E400$1,858-$122
23Infiniti M37$1,864-$116
24BMW 535xi$1,886-$94
25BMW 550xi$1,906-$74
26Audi S4$1,912-$68
27BMW 528i$1,914-$66
28BMW Activehybrid 5$1,926-$54
29BMW 535i$1,958-$22
2013 Midsize Luxury Car Average$1,963-$17
30Audi RS 5$1,966-$14
31BMW 550i$1,980--
32Jaguar XK$1,996$16
33Mercedes-Benz SL550$2,010$30
34Audi S6$2,064$84
35BMW 640i$2,126$146
36Mercedes-Benz S400$2,152$172
37Audi S7$2,170$190
38Audi A7$2,194$214
39Tesla Model S$2,266$286
40Jaguar XKR$2,298$318
41Mercedes-Benz S350$2,324$344
42BMW M6$2,334$354
43BMW 650xi$2,370$390
44BMW M5$2,380$400
45Mercedes-Benz SL63 AMG$2,572$592
46Mercedes-Benz CL63 AMG$2,820$840
47Mercedes-Benz SLS AMG$2,920$940
48Mercedes-Benz SL65 AMG$3,012$1,032

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.

2013 550i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 BMW 550i.

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.

2013 BMW 550i Insurance Rates by Trim Level
2013 BMW 550i Trim Level Annual Premium Cost Per Month
Sedan$1,946$162
Gran Turismo Sedan$2,012$168

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 2013 BMW 550i for different driver ages.

2013 BMW 550i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,072$589
17$6,863$572
18$6,173$514
19$5,605$467
20$4,295$358
21$4,096$341
22$3,670$306
23$2,997$250
24$2,837$236
25$2,300$192
30$2,112$176
35$2,032$169
40$1,980$165
45$1,852$154
50$1,752$146
55$1,636$136
60$1,640$137
65$1,754$146
70$1,888$157
75$2,220$185
80$2,738$228

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 550i trim levels.