2018 BMW M550i Car Insurance Calculator

Gain insights into how decisions you make impact the cost of insurance for a 2018 BMW M550i. Customize factors such as policy coverages, liability limits, and deductibles to see how rates are affected. Instantly discover if rates change for better or worse.

The average estimated car insurance premium for a 2018 BMW M550i is $2,582 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

$2,582

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 M550i 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 2018 BMW M550i.

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.

$2,582
Average Rate
Your Rate
$2,582

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 2018 BMW M550i 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 M550i is $2,582.

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 M550i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 BMW M550i against all other models in the midsize luxury car segment. The BMW M550i 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 M550i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW M550i.

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

2018 BMW M550i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$826
2Lexus IS 300$1,908-$674
3Lexus RC 300$1,992-$590
4Mercedes-Benz SLC300$2,058-$524
5Lexus ES 350$2,062-$520
6Mercedes-Benz AMG CLA45$2,076-$506
7Audi S5$2,114-$468
8Audi A3$2,126-$456
9Mercedes-Benz CLA250$2,136-$446
10Mercedes-Benz C350E$2,146-$436
11Lincoln MKZ$2,158-$424
12Mercedes-Benz E300$2,162-$420
13Lexus ES 300H$2,170-$412
14Genesis G80$2,174-$408
15BMW 430i$2,190-$392
16Audi A6$2,212-$370
17Audi S4$2,224-$358
18Lexus GS 300$2,260-$322
19Jaguar XE$2,262-$320
20Lexus GS 350$2,282-$300
21BMW 530i$2,288-$294
22BMW 540xi$2,298-$284
23BMW 540i$2,304-$278
24BMW 440i$2,334-$248
25Jaguar XF$2,354-$228
26Mercedes-Benz AMG C43$2,410-$172
27Mercedes-Benz SL450$2,430-$152
28Mercedes-Benz E400$2,442-$140
29Infiniti Q50$2,450-$132
2018 Midsize Luxury Car Average$2,459-$123
30BMW 530e$2,460-$122
31Audi RS 5$2,490-$92
32Mercedes-Benz AMG E43$2,500-$82
33BMW 530xi$2,504-$78
34BMW M550i$2,582--
35Mercedes-Benz AMG C63$2,634$52
36BMW 640xi$2,642$60
37Audi S6$2,662$80
38BMW 640i$2,712$130
39Mercedes-Benz SL550$2,762$180
40Lexus GS F$2,772$190
41Tesla Model S$2,810$228
42Lexus LC 500H$2,834$252
43Audi A7$2,844$262
44BMW 650xi$2,848$266
45Audi S7$3,022$440
46BMW M5$3,034$452
47BMW M6$3,228$646
48Mercedes-Benz SL63 AMG$3,280$698
49Mercedes-Benz SL65 AMG$4,084$1,502

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 M550i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 BMW M550i.

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 M550i Insurance Rates by Trim Level
2018 BMW M550i Trim Level Annual Premium Cost Per Month
xDrive Sedan$2,582$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 2018 BMW M550i for different driver ages.

2018 BMW M550i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,085$757
17$8,906$742
18$8,171$681
19$7,349$612
20$5,660$472
21$5,397$450
22$4,852$404
23$3,893$324
24$3,712$309
25$3,014$251
30$2,774$231
35$2,644$220
40$2,582$215
45$2,400$200
50$2,262$189
55$2,116$176
60$2,126$177
65$2,278$190
70$2,424$202
75$2,810$234
80$3,478$290

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 M550i trim levels.