2021 BMW 850i Car Insurance Calculator

See in real-time how changes to driver risk factors and vehicle options impact car insurance rates for a 2021 BMW 850i. Experiment with rate factors like gender of the driver, whether you're married or single, and the state and city you live in to see how insurance rates are affected. Instantly discover how the choices you make impact rates.

The average estimated car insurance premium for a 2021 BMW 850i is $3,484 per year, or about $290 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

$3,484

Cost Per Month

$290

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 850i 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 850i.

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.

$3,484
Average Rate
Your Rate
$3,484

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 850i 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 850i is $3,484.

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 850i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2021 BMW 850i against all other models in the large luxury car segment. The BMW 850i 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 850i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 850i.

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

2021 BMW 850i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,358-$1,126
2Volvo S90$2,520-$964
3Lexus LS 500H$2,834-$650
4Kia K900$2,888-$596
5Lexus LS 500$2,980-$504
6Mercedes-Benz AMG E53$3,026-$458
7Infiniti Q60$3,038-$446
8Genesis G90$3,046-$438
9Mercedes-Benz AMG CLS53$3,118-$366
10BMW 840i$3,184-$300
2021 Large Luxury Car Average$3,320-$164
11Mercedes-Benz S450$3,324-$160
12BMW M850i$3,342-$142
13BMW 740i$3,456-$28
14BMW 850i$3,484--
15Mercedes-Benz E63 AMG$3,500$16
16Porsche Panamera$3,646$162
17Audi A8$3,704$220
18Mercedes-Benz S560$3,738$254
19BMW 750i$3,754$270
20BMW M760i$4,238$754
21Mercedes-Benz AMG S63$4,532$1,048

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 850i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 BMW 850i.

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 850i Insurance Rates by Trim Level
2021 BMW 850i Trim Level Annual Premium Cost Per Month
xDrive Convertible$3,484$290

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 850i for different driver ages.

2021 BMW 850i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,210$1,018
17$11,948$996
18$10,928$911
19$9,857$821
20$7,595$633
21$7,244$604
22$6,517$543
23$5,259$438
24$5,005$417
25$4,062$339
30$3,738$312
35$3,572$298
40$3,484$290
45$3,238$270
50$3,056$255
55$2,854$238
60$2,868$239
65$3,064$255
70$3,272$273
75$3,802$317
80$4,690$391

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 850i trim levels.