BMW 550xi Car Insurance Calculator

Watch in real-time how changes to different risk factors impact car insurance rates for a BMW 550xi. Fine-tune factors like coverage amounts, annual mileage, vehicle usage, and driver gender. Get instant feedback if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2017 BMW 550xi is $2,576 per year, or about $215 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

$2,576

Cost Per Month

$215

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 550xi 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 550xi.

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.

$2,576
Average Rate
Your Rate
$2,576

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 550xi.

The 'Average Rate' is a combined value for all BMW 550xi 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 550xi is $2,576.

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 550xi vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2017 BMW 550xi against all other models in the midsize luxury car segment. The BMW 550xi 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 550xi, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 550xi.

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

2017 BMW 550xi Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,616-$960
2Lexus IS 300$1,856-$720
3Lexus RC 300$1,910-$666
4Mercedes-Benz AMG CLA45$1,940-$636
5Audi S5$1,968-$608
6Mercedes-Benz SLC300$1,978-$598
7Lexus ES 350$1,982-$594
8Genesis G80$1,998-$578
9Mercedes-Benz E300$2,040-$536
10Mercedes-Benz CLA250$2,052-$524
11Mercedes-Benz C350E$2,056-$520
12Audi A3$2,066-$510
13Lincoln MKZ$2,070-$506
14Lexus ES 300H$2,082-$494
15BMW 430i$2,104-$472
16Jaguar XE$2,148-$428
17Audi A6$2,160-$416
18Lexus GS 350$2,202-$374
19BMW 540xi$2,210-$366
20BMW 540i$2,216-$360
21Jaguar XF$2,228-$348
22BMW 440i$2,234-$342
23BMW 530i$2,272-$304
24Mercedes-Benz E400$2,284-$292
25Mercedes-Benz AMG C43$2,310-$266
26Mercedes-Benz SL450$2,312-$264
2017 Midsize Luxury Car Average$2,357-$219
27Mercedes-Benz E550$2,374-$202
28BMW 535xi$2,382-$194
29Infiniti Q50$2,384-$192
30BMW 530xi$2,390-$186
31Mercedes-Benz AMG E43$2,398-$178
32BMW 535i$2,414-$162
33Mercedes-Benz AMG C63$2,546-$30
34Audi S6$2,554-$22
35BMW 550xi$2,576--
36BMW 640i$2,600$24
37Mercedes-Benz SL550$2,632$56
38BMW 640xi$2,650$74
39Lexus GS F$2,658$82
40Tesla Model S$2,710$134
41BMW 650xi$2,724$148
42Audi A7$2,752$176
43Mercedes-Benz S550E$2,842$266
44Audi S7$2,868$292
45BMW M6$3,066$490
46Mercedes-Benz SL63 AMG$3,122$546
47Mercedes-Benz SL65 AMG$3,838$1,262

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 550xi Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2017 BMW 550xi.

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 550xi Insurance Rates by Trim Level
2017 BMW 550xi Trim Level Annual Premium Cost Per Month
Gran Turismo AWD$2,576$215

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 550xi for different driver ages.

2017 BMW 550xi Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,277$773
17$9,026$752
18$8,148$679
19$7,377$615
20$5,646$471
21$5,383$449
22$4,822$402
23$3,911$326
24$3,709$309
25$3,002$250
30$2,752$229
35$2,642$220
40$2,576$215
45$2,402$200
50$2,272$189
55$2,124$177
60$2,130$178
65$2,280$190
70$2,460$205
75$2,890$241
80$3,582$299

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 550xi trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 550xi.

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 550xi Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2017 BMW 550xi$2,576$215
2016 BMW 550xi$2,452$204
2015 BMW 550xi$2,138$178
2014 BMW 550xi$2,134$178
2013 BMW 550xi$1,906$159

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 550xi trim levels for each model year.