- BMW 435xi insurance costs an average of $2,230 per year, $1,115 for a 6-month policy, or around $186 per month.
- The cheapest 2016 model of BMW 435xi to insure is the Gran Coupe at around $2,104 per year.
- When compared to other midsize luxury cars, the BMW 435xi is one of the cheaper 2016 midsize luxury cars to insure, costing $51 less per year on average.
How much does BMW 435xi car insurance cost?
Average car insurance rates for a 2016 BMW 435xi cost $2,230 annually for full coverage, or around $186 a month. When looking at the cost of individual coverage, liability and medical (or PIP) coverage is approximately $662 a year, comprehensive (or other-than-collision) coverage will cost about $544, and the remaining collision insurance is approximately $1,024.
The rate chart below demonstrates how 435xi car insurance rates can change depending on driver age and comprehensive and collision deductibles.
The data table below illustrates average BMW 435xi insurance policy costs for the 2014-2016 model years for five different age groups.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2016 BMW 435xi | $4,496 | $2,230 | $1,850 |
| 2015 BMW 435xi | $4,128 | $2,046 | $1,700 |
| 2014 BMW 435xi | $4,134 | $2,050 | $1,710 |
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 435xi trim levels for each model year. Updated October 24, 2025
The next table displays the average cost to insure the different trim levels of the BMW 435xi, with the Gran Coupe trim being the cheapest and the AWD model having the highest expected car insurance rates.
| 2016 BMW 435xi Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Gran Coupe | $2,104 | $175 |
| Convertible | $2,250 | $188 |
| AWD | $2,334 | $195 |
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. Updated October 24, 2025
BMW 435xi insurance cost vs. other luxury cars
When compared side-by-side to other midsize luxury car models, car insurance rates for a BMW 435xi cost $572 more per year than the Lexus ES 350, $34 more than the Infiniti Q50, and $272 more than the Lincoln MKZ.
The BMW 435xi ranks 28th out of 53 total comparison vehicles in the 2016 midsize luxury car class for most affordable car insurance cost. The 435xi costs an average of $2,230 per year for a car insurance policy with full coverage and the category average rate is $2,281 per year, a difference of $51 per year.
The table below shows how well BMW 435xi insurance rates compare to other 2016 midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the Hyundai Genesis.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Lexus ES 350 | $1,658 | -$572 |
| 2 | Acura ILX | $1,726 | -$504 |
| 3 | Lexus IS 300 | $1,836 | -$394 |
| 4 | Volvo S80 | $1,880 | -$350 |
| 5 | Mercedes-Benz C350E | $1,886 | -$344 |
| 6 | Lexus RC 300 | $1,902 | -$328 |
| 7 | Audi A3 | $1,930 | -$300 |
| 8 | Mercedes-Benz AMG CLA45 | $1,954 | -$276 |
| 9 | Lincoln MKZ | $1,958 | -$272 |
| 10 | Lexus ES 300H | $1,972 | -$258 |
| 11 | Audi A6 | $1,984 | -$246 |
| 12 | Mercedes-Benz CLA250 | $2,028 | -$202 |
| 13 | BMW 528i | $2,070 | -$160 |
| 14 | Lexus GS 350 | $2,084 | -$146 |
| 15 | Audi S4 | $2,102 | -$128 |
| 16 | Mercedes-Benz E350 | $2,116 | -$114 |
| 17 | BMW 428xi | $2,120 | -$110 |
| 18 | Mercedes-Benz SLK55 AMG | $2,136 | -$94 |
| 19 | Cadillac ELR | $2,142 | -$88 |
| 20 | Mercedes-Benz C450 AMG | $2,150 | -$80 |
| 21 | Jaguar XF | $2,152 | -$78 |
| 22 | BMW 428i | $2,160 | -$70 |
| 23 | Audi S5 | $2,168 | -$62 |
| 24 | Hyundai Genesis | $2,184 | -$46 |
| 25 | BMW 528xi | $2,188 | -$42 |
| 26 | Infiniti Q50 | $2,196 | -$34 |
| 27 | BMW 535xi | $2,204 | -$26 |
| 28 | BMW 435xi | $2,230 | -- |
| 29 | Mercedes-Benz E250 | $2,244 | $14 |
| 30 | Mercedes-Benz SL400 | $2,264 | $34 |
| 31 | BMW Active 5 | $2,268 | $38 |
| 32 | BMW 435i | $2,280 | $50 |
| 33 | BMW 535d | $2,302 | $72 |
| 34 | Mercedes-Benz E400 | $2,356 | $126 |
| 35 | BMW 535i | $2,360 | $130 |
| 36 | Mercedes-Benz E550 | $2,376 | $146 |
| 37 | Audi S6 | $2,398 | $168 |
| 38 | BMW 550i | $2,416 | $186 |
| 39 | Mercedes-Benz CLS400 | $2,492 | $262 |
| 40 | BMW 550xi | $2,510 | $280 |
| 41 | Mercedes-Benz SL550 | $2,516 | $286 |
| 42 | BMW 640i | $2,552 | $322 |
| 43 | Audi A7 | $2,562 | $332 |
| 44 | BMW 640xi | $2,570 | $340 |
| 45 | BMW M5 | $2,576 | $346 |
| 46 | Audi S7 | $2,584 | $354 |
| 47 | Tesla Model S | $2,650 | $420 |
| 48 | Mercedes-Benz S550E | $2,658 | $428 |
| 49 | BMW 650xi | $2,676 | $446 |
| 50 | Lexus GS F | $2,688 | $458 |
| 51 | BMW M6 | $2,866 | $636 |
| 52 | Mercedes-Benz SL63 AMG | $2,946 | $716 |
| 53 | Mercedes-Benz SL65 AMG | $3,672 | $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 vehicle from the 2016 model year. Updated October 24, 2025
