BMW 528xi Insurance Rates: 2025 Cost and Comparisons

• BMW 528xi insurance rates cost $2,138 per year on average, or about $178 per month, for a policy with full coverage.
• Out of 53 other midsize luxury cars for the 2016 model year, the BMW 528xi ranks 25^th for affordable car insurance cost.
• Insurance for the 528xi costs 4.1% less than the average rate for comparable models.

How much does BMW 528xi car insurance cost?

BMW 528xi insurance averages $2,138 per year, which equates to around $178 a month. If analyzed by type of coverage, collision insurance costs an estimated $978 a year, comprehensive (or other-than-collision) coverage is about $480, and the remaining liability/medical is around $680.

The cost summary chart below shows average insurance cost per year for a 2016 BMW 528xi using a variety of different risk scenarios.

The rate table below details average BMW 528xi insurance cost for the 2013-2016 model years and a range of rated drivers.

How do BMW 528xi insurance prices compare?

When compared to other 2016 model year midsize luxury car models, insurance rates for a BMW 528xi cost $520 more per year than the Lexus ES 350, $6 less than the Infiniti Q50, and $224 more than the Lincoln MKZ.

The BMW 528xi ranks 25^th out of 53 total vehicles in the midsize luxury car category for car insurance affordability. The 528xi costs an average of $2,138 per year for a car insurance policy with full coverage, while the segment average cost is $2,227 per year, a difference of $89 per year.

The chart displayed below shows how insurance cost for a BMW 528xi compares to the top-selling midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.

A more comprehensive table is included following the chart that shows insurance cost rankings for every vehicle in the 2016 midsize luxury car segment.

Additional observations regarding the cost to insure a BMW 528xi include:

• Earn a discount from your job. Some auto insurance providers offer discounts for being employed in occupations like scientists, engineers, firefighters, high school and elementary teachers, members of the military, nurses, and others. By working in a profession that qualifies for this discount, you could potentially save between $64 and $175 on your annual premium, depending on the age of the rated driver.
• Avoid traffic tickets to pay less. If you want the most affordable price on 528xi insurance rates, it’s necessary to avoid traffic citations. In fact, just a couple traffic tickets have the consequences of increasing the price of a policy by as much as $576 per year. Serious citations like a DUI could raise rates by an additional $2,012 or more.
• Gender affects car insurance rates. For a 2016 BMW 528xi, a 20-year-old man will pay an estimated rate of $4,342 per year, while a 20-year-old female driver will pay an average of $3,104, a difference of $1,238 per year. Women get significantly cheaper rates. But by age 50, the cost for a male driver is $1,896 and the cost for female drivers is $1,844, a difference of only $52.
• Increase physical damage deductibles to save money. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $330 per year for a 40-year-old driver and $652 per year for a 20-year-old driver.
• Low deductibles makes insurance more expensive. Dropping your deductibles from $500 to $250 could cost an additional $346 per year for a 40-year-old driver and $692 per year for a 20-year-old driver.
• Save money by qualifying for discounts. Discounts may be available if the insured drivers are claim-free, drive low annual mileage, insure multiple vehicles on the same policy, are homeowners, or many other discounts which could save the average driver as much as $364 per year.
• As you get older, rates tend to be cheaper. The difference in 2016 528xi insurance rates between a 50-year-old driver ($1,896 per year) and a 20-year-old driver ($4,342 per year) is $2,446, or a savings of 78.4%.