- BMW 528i insurance costs an average of $2,020 per year, or around $168 per month for full coverage.
- The 528i ranks 13th out of 53 vehicles in the 2016 midsize luxury car class for car insurance affordability.
How much does BMW 528i insurance cost?
Ranked 13th out of 53 vehicles in the midsize luxury car class, BMW 528i insurance costs on average $2,020 a year for full coverage, or $168 each month. With the average midsize luxury car costing $2,227 a year to insure, the BMW 528i could save around $207 or more on an annual basis.
The cost summary chart below illustrates how BMW 528i car insurance prices can change based on different driver ages and the chosen policy deductibles.
The data below details average insurance policy premiums for a BMW 528i for the 2013 to 2016 model years and for various driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2016 BMW 528i | $4,070 | $2,020 | $1,674 |
| 2015 BMW 528i | $3,934 | $1,956 | $1,628 |
| 2014 BMW 528i | $4,216 | $2,084 | $1,746 |
| 2013 BMW 528i | $3,894 | $1,914 | $1,602 |
| 2012 BMW 528i | $3,816 | $1,876 | $1,570 |
| 2011 BMW 528i | $3,740 | $1,838 | $1,539 |
| 2010 BMW 528i | $3,665 | $1,801 | $1,508 |
| 2009 BMW 528i | $3,592 | $1,765 | $1,478 |
| 2008 BMW 528i | $3,520 | $1,730 | $1,448 |
| 2007 BMW 528i | $3,449 | $1,696 | $1,419 |
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 528i trim levels for each model year. Updated June 27, 2025
BMW 528i insurance vs. the competition
When insurance prices are compared to other midsize luxury car models, the BMW 528i costs $402 more per year than the Lexus ES 350, $124 less than the Infiniti Q50, and $106 more than the Lincoln MKZ.
The BMW 528i ranks 13th out of 53 total comparison vehicles in the midsize luxury car segment for the most affordable car insurance cost. The 528i costs an average of $2,020 per year to insure for full coverage and the class average rate is $2,227 annually, a difference of $207 per year.
The table displayed below shows how average BMW 528i car insurance rates compare to the top 10 selling midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Lexus ES 350 | $1,618 | -$402 |
| 2 | Acura ILX | $1,686 | -$334 |
| 3 | Lexus IS 300 | $1,792 | -$228 |
| 4 | Volvo S80 | $1,834 | -$186 |
| 5 | Mercedes-Benz C350E | $1,842 | -$178 |
| 6 | Lexus RC 300 | $1,856 | -$164 |
| 7 | Audi A3 | $1,888 | -$132 |
| 8 | Mercedes-Benz AMG CLA45 | $1,910 | -$110 |
| 9 | Lincoln MKZ | $1,914 | -$106 |
| 10 | Lexus ES 300H | $1,924 | -$96 |
| 11 | Audi A6 | $1,936 | -$84 |
| 12 | Mercedes-Benz CLA250 | $1,982 | -$38 |
| 13 | BMW 528i | $2,020 | -- |
| 14 | Lexus GS 350 | $2,036 | $16 |
| 15 | Mercedes-Benz E350 | $2,062 | $42 |
| 16 | Audi S4 | $2,064 | $44 |
| 17 | Mercedes-Benz SLK55 AMG | $2,068 | $48 |
| 18 | BMW 428xi | $2,072 | $52 |
| 19 | Jaguar XF | $2,084 | $64 |
| 20 | Cadillac ELR | $2,090 | $70 |
| 21 | Mercedes-Benz C450 AMG | $2,100 | $80 |
| 22 | BMW 428i | $2,106 | $86 |
| 23 | Audi S5 | $2,116 | $96 |
| 24 | Hyundai Genesis | $2,130 | $110 |
| 25 | BMW 528xi | $2,138 | $118 |
| 26 | Infiniti Q50 | $2,144 | $124 |
| 27 | BMW 535xi | $2,150 | $130 |
| 28 | BMW 435xi | $2,174 | $154 |
| 29 | Mercedes-Benz E250 | $2,192 | $172 |
| 30 | Mercedes-Benz SL400 | $2,210 | $190 |
| 31 | BMW Active 5 | $2,218 | $198 |
| 32 | BMW 435i | $2,224 | $204 |
| 33 | BMW 535d | $2,250 | $230 |
| 34 | Mercedes-Benz E400 | $2,300 | $280 |
| 35 | BMW 535i | $2,308 | $288 |
| 36 | Mercedes-Benz E550 | $2,320 | $300 |
| 37 | Audi S6 | $2,358 | $338 |
| 38 | BMW 550i | $2,362 | $342 |
| 39 | Mercedes-Benz CLS400 | $2,436 | $416 |
| 40 | BMW 550xi | $2,452 | $432 |
| 41 | Mercedes-Benz SL550 | $2,456 | $436 |
| 42 | BMW 640i | $2,490 | $470 |
| 43 | Audi A7 | $2,504 | $484 |
| 44 | BMW 640xi | $2,510 | $490 |
| 45 | BMW M5 | $2,518 | $498 |
| 46 | Audi S7 | $2,522 | $502 |
| 47 | Tesla Model S | $2,590 | $570 |
| 48 | Mercedes-Benz S550E | $2,594 | $574 |
| 49 | BMW 650xi | $2,610 | $590 |
| 50 | Lexus GS F | $2,622 | $602 |
| 51 | BMW M6 | $2,796 | $776 |
| 52 | Mercedes-Benz SL63 AMG | $2,876 | $856 |
| 53 | Mercedes-Benz SL65 AMG | $3,584 | $1,564 |
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
Other rates and discounts
Other noteworthy data insights relative to BMW 528i insurance cost include:
- Young male drivers pay the highest rates. For a 2016 BMW 528i, a 20-year-old man will pay around $4,070 per year for insurance, while a 20-year-old female pays $2,914, a difference of $1,156 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,790 and the rate for females is $1,746, a difference of only $44.
- Policy discounts save money. Discounts may be available if the insureds are accident-free, are loyal customers, work in certain occupations, are senior citizens, insure their home and car with the same company, or many other discounts which could save the average driver as much as $342 per year.
- Raise your credit score to score lower rates. Having a credit score above 800 could save as much as $317 per year compared to a lower credit rating of 670-739. Conversely, poor credit could cost as much as $368 more per year.
- The older you are, the lower your insurance rates are. The difference in insurance cost for a BMW 528i between a 50-year-old driver ($1,790 per year) and a 20-year-old driver ($4,070 per year) is $2,280, or a savings of 77.8%.
- It’s expensive to buy high-risk insurance. For a 30-year-old driver, being required to buy a high-risk insurance policy could increase the cost by $2,482 or more per year.
- Your job could save you money. The vast majority of auto insurance companies offer discounts for working in professions like scientists, doctors, lawyers, firefighters, dentists, and others. By qualifying for this profession discount, you could save between $61 and $175 on your annual 528i insurance premium, depending on your policy.