Comprehensive Guide to BMW 435xi Insurance: 2025 Edition

How much does BMW 435xi car insurance cost? We compared average rates from the 435xi Gran Coupe up to the AWD model to discover how prices compare side-by-side to other midsize luxury cars.

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  • BMW 435xi insurance costs an average of $2,174 per year, $1,087 for a 6-month policy, or around $181 per month.
  • The cheapest 2016 model of BMW 435xi to insure is the Gran Coupe at around $2,052 per year.
  • When compared to other midsize luxury cars, the BMW 435xi is one of the cheaper 2016 midsize luxury cars to insure, costing $53 less per year on average.

How much does BMW 435xi car insurance cost?

Average car insurance rates for a 2016 BMW 435xi cost $2,174 annually for full coverage, or around $181 a month. When looking at the cost of individual coverage, liability and medical (or PIP) coverage is approximately $644 a year, comprehensive (or other-than-collision) coverage will cost about $530, and the remaining collision insurance is approximately $1,000.

The rate chart below demonstrates how 435xi car insurance rates can change depending on driver age and comprehensive and collision deductibles.

Average 2016 BMW 435xi car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2016 BMW 435xi car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2016 model year BMW 435xi. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2016 BMW 435xi Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,710$309
$500$4,388$366
$250$5,110$426
30-Year-Old$1,000$1,944$162
$500$2,324$194
$250$2,716$226
40-Year-Old$1,000$1,828$152
$500$2,174$181
$250$2,536$211
50-Year-Old$1,000$1,630$136
$500$1,930$161
$250$2,242$187
60-Year-Old$1,000$1,524$127
$500$1,806$151
$250$2,098$175

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2016 BMW 435xi. Updated June 27, 2025

The data table below illustrates average BMW 435xi insurance policy costs for the 2014-2016 model years for five different age groups.

BMW 435xi Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2016 BMW 435xi$4,388$2,174$1,806
2015 BMW 435xi$4,028$1,998$1,660
2014 BMW 435xi$4,036$2,000$1,670

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 June 26, 2025

Average insurance rates for 2014 to 2016 BMW 435xi models for drivers age 20, 40 and 60
Average insurance rates for 2014 to 2016 BMW 435xi models for drivers age 20, 40 and 60

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 Insurance Rates by Trim Level
2016 BMW 435xi Trim Level Annual Premium Cost Per Month
Gran Coupe$2,052$171
Convertible$2,200$183
AWD$2,280$190

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 June 27, 2025

Insurance cost by trim level for a 2016 BMW 435xi ranging from the Gran Coupe model at $2,052 per year to the AWD model at $2,280
Insurance cost by trim level for a 2016 BMW 435xi ranging from the Gran Coupe model at $2,052 per year to the AWD model at $2,280

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 $556 more per year than the Lexus ES 350, $30 more than the Infiniti Q50, and $260 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 $2,174 per year for a car insurance policy with full coverage and the category average rate is $2,227 per year, a difference of $53 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.

Insurance Cost Comparison: BMW 435xi vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$556
2Acura ILX$1,686-$488
3Lexus IS 300$1,792-$382
4Volvo S80$1,834-$340
5Mercedes-Benz C350E$1,842-$332
6Lexus RC 300$1,856-$318
7Audi A3$1,888-$286
8Mercedes-Benz AMG CLA45$1,910-$264
9Lincoln MKZ$1,914-$260
10Lexus ES 300H$1,924-$250
11Audi A6$1,936-$238
12Mercedes-Benz CLA250$1,982-$192
13BMW 528i$2,020-$154
14Lexus GS 350$2,036-$138
15Mercedes-Benz E350$2,062-$112
16Audi S4$2,064-$110
17Mercedes-Benz SLK55 AMG$2,068-$106
18BMW 428xi$2,072-$102
19Jaguar XF$2,084-$90
20Cadillac ELR$2,090-$84
21Mercedes-Benz C450 AMG$2,100-$74
22BMW 428i$2,106-$68
23Audi S5$2,116-$58
24Hyundai Genesis$2,130-$44
25BMW 528xi$2,138-$36
26Infiniti Q50$2,144-$30
27BMW 535xi$2,150-$24
28BMW 435xi$2,174--
29Mercedes-Benz E250$2,192$18
30Mercedes-Benz SL400$2,210$36
31BMW Active 5$2,218$44
32BMW 435i$2,224$50
33BMW 535d$2,250$76
34Mercedes-Benz E400$2,300$126
35BMW 535i$2,308$134
36Mercedes-Benz E550$2,320$146
37Audi S6$2,358$184
38BMW 550i$2,362$188
39Mercedes-Benz CLS400$2,436$262
40BMW 550xi$2,452$278
41Mercedes-Benz SL550$2,456$282
42BMW 640i$2,490$316
43Audi A7$2,504$330
44BMW 640xi$2,510$336
45BMW M5$2,518$344
46Audi S7$2,522$348
47Tesla Model S$2,590$416
48Mercedes-Benz S550E$2,594$420
49BMW 650xi$2,610$436
50Lexus GS F$2,622$448
51BMW M6$2,796$622
52Mercedes-Benz SL63 AMG$2,876$702
53Mercedes-Benz SL65 AMG$3,584$1,410

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 June 27, 2025

At $2,174 per year, insurance cost for a 2016 BMW 435xi ranks 28th out of 53 models in the midsize luxury car segment
At $2,174 per year, insurance cost for a 2016 BMW 435xi ranks 28th out of 53 models in the midsize luxury car segment