2020 BMW X7 Car Insurance Calculator

Explore and learn how changing risk factors impact the insurance cost for a 2020 BMW X7. Change policy coverages, liability limits, deductibles, and driver's age plus many other factors. Instantly see if your changes have a favorable or unfavorable effect on the rates.

The average estimated car insurance premium for a 2020 BMW X7 is $2,522 per year, or about $210 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

$2,522

Cost Per Month

$210

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 X7 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 2020 BMW X7.

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.

$2,522
Average Rate
Your Rate
$2,522

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 2020 BMW X7 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 2020 BMW X7 is $2,522.

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.

2020 BMW X7 vs. the Large Luxury SUV Segment

The table below compares insurance rates for the 2020 BMW X7 against all other models in the large luxury SUV segment. The BMW X7 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 X7, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW X7.

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

2020 BMW X7 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo XC90$2,168-$354
2BMW X7$2,522--
3Lincoln Navigator$2,538$16
4Toyota Land Cruiser$2,602$80
5Cadillac Escalade$2,640$118
6Mercedes-Benz GLS450$2,732$210
2020 Large Luxury SUV Average$2,934$412
7Lexus LX 570$3,018$496
8Mercedes-Benz AMG GLS63$3,300$778
9Land Rover Range Rover$3,388$866
10Mercedes-Benz G550$3,402$880
11Mercedes-Benz G63 AMG$3,964$1,442

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.

2020 X7 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 BMW X7.

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.

2020 BMW X7 Insurance Rates by Trim Level
2020 BMW X7 Trim Level Annual Premium Cost Per Month
40i xDrive AWD$2,360$197
40i xDrive Dynamic AWD$2,422$202
40i xDrive Executive AWD$2,422$202
40i xDrive Premium AWD$2,422$202
40i xDrive Sport AWD$2,422$202
50i xDrive AWD$2,608$217
50i xDrive Dynamic AWD$2,626$219
50i xDrive Off-Road AWD$2,626$219
m50i Off-Road AWD$2,626$219
m50i Dynamic AWD$2,686$224

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 2020 BMW X7 for different driver ages.

2020 BMW X7 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,733$728
17$8,549$712
18$7,834$653
19$7,069$589
20$5,454$455
21$5,205$434
22$4,688$391
23$3,790$316
24$3,608$301
25$2,936$245
30$2,706$226
35$2,584$215
40$2,522$210
45$2,344$195
50$2,214$185
55$2,068$172
60$2,076$173
65$2,214$185
70$2,356$196
75$2,724$227
80$3,354$280

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 X7 trim levels.