- BMW 530e car insurance rates average $3,176 per year (about $265 per month) for full coverage, but can range considerably based on policy limits.
- The base 530e Sedan trim level is the cheapest to insure at around $3,148 per year. The most expensive trim is the xDrive Sedan at $3,206 per year.
- Ranked 27th out of 34 other models in the midsize luxury car class, car insurance rates for the BMW 530e cost $232 more per year than the average cost for the segment.
How much does BMW 530e car insurance cost?
BMW 530e insurance averages $3,176 for an annual policy. Comprehensive (or other-than-collision) coverage costs about $764 a year, liability/medical is about $856, and the remaining collision insurance is around $1,556.
The following rate chart breaks down average yearly car insurance rates on a 2024 BMW 530e using a variation of different driver ages and risk scenarios.
The next table displays the estimated yearly and semi-annual policy costs, plus a monthly amount for budgeting, for each BMW 530e package and trim.
| 2024 BMW 530e Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sedan | $3,148 | $262 |
| xDrive Sedan | $3,206 | $267 |
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
The rate table below illustrates average car insurance policy premiums on a BMW 530e from the 2018 to the 2024 model years and for different driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 BMW 530e | $6,440 | $3,176 | $2,626 |
| 2023 BMW 530e | $6,264 | $3,086 | $2,554 |
| 2022 BMW 530e | $5,564 | $2,768 | $2,286 |
| 2021 BMW 530e | $6,336 | $3,108 | $2,576 |
| 2020 BMW 530e | $6,146 | $3,012 | $2,500 |
| 2019 BMW 530e | $5,428 | $2,662 | $2,208 |
| 2018 BMW 530e | $5,134 | $2,520 | $2,096 |
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 530e trim levels for each model year. Updated October 24, 2025
How do 530e car insurance rates rank?
The BMW 530e ranks 27th out of 34 total comparison vehicles in the midsize luxury car category for auto insurance affordability. The 530e costs an average of $3,176 per year for insurance, while the category average cost is $2,944 annually, a difference of $232 per year.
When compared to other 2024 model year midsize luxury cars, BMW 530e car insurance costs $670 more per year than the Lexus ES 350, $260 more than the BMW 530i, and $460 more than the Infiniti Q50.
The following table shows how well the 530e fares against the top 10 selling midsize luxury cars in the United States like the Mercedes-Benz CLA250, Audi A6, and the Tesla Model S.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz CLA250 | $2,468 | -$708 |
| 2 | Lexus IS 300 | $2,474 | -$702 |
| 3 | Lexus ES 350 | $2,506 | -$670 |
| 4 | Mercedes-Benz AMG CLA35 | $2,516 | -$660 |
| 5 | Lexus RC 300 | $2,522 | -$654 |
| 6 | Jaguar XF | $2,538 | -$638 |
| 7 | Cadillac CT5 | $2,586 | -$590 |
| 8 | Lexus ES 250 | $2,596 | -$580 |
| 9 | Lexus ES 300h | $2,634 | -$542 |
| 10 | Audi A3 | $2,698 | -$478 |
| 11 | Infiniti Q50 | $2,716 | -$460 |
| 12 | Mercedes-Benz AMG CLA45 | $2,748 | -$428 |
| 13 | Audi S4 | $2,760 | -$416 |
| 14 | Mercedes-Benz EQE 350 | $2,792 | -$384 |
| 15 | BMW i4 | $2,800 | -$376 |
| 16 | Lexus IS 500 | $2,836 | -$340 |
| 17 | BMW 530i | $2,916 | -$260 |
| 18 | Audi S5 | $2,958 | -$218 |
| 19 | BMW 540i | $2,974 | -$202 |
| 20 | BMW 430i | $3,014 | -$162 |
| 21 | BMW i5 | $3,030 | -$146 |
| 22 | Genesis G80 | $3,046 | -$130 |
| 23 | Mercedes-Benz EQE 500 | $3,080 | -$96 |
| 24 | Mercedes-Benz AMG C43 | $3,102 | -$74 |
| 25 | Audi A6 | $3,108 | -$68 |
| 26 | Tesla Model S | $3,146 | -$30 |
| 27 | BMW 530e | $3,176 | -- |
| 28 | Audi RS 5 | $3,180 | $4 |
| 29 | Audi S6 | $3,204 | $28 |
| 30 | BMW M440i | $3,286 | $110 |
| 31 | Audi A7 | $3,346 | $170 |
| 32 | Lexus LC 500h | $3,592 | $416 |
| 33 | Audi S7 | $3,710 | $534 |
| 34 | BMW M8 | $4,044 | $868 |
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 2024 model year. Updated October 24, 2025
