Exploring BMW 530e Car Insurance Costs: Ultimate Rate Breakdown

We analyzed car insurance rates for the BMW 530e from the base model up to the xDrive Sport trim level to find out how insurance costs stack up against other midsize luxury cars.

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  • BMW 530e car insurance rates average $3,100 per year (about $258 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 $3,074 per year. The most expensive trim is the xDrive Sedan at $3,128 per year.
  • Ranked 27th out of 34 other models in the midsize luxury car class, car insurance rates for the BMW 530e cost $226 more per year than the average cost for the segment.

How much does BMW 530e car insurance cost?

BMW 530e insurance averages $3,100 for an annual policy. Comprehensive (or other-than-collision) coverage costs about $746 a year, liability/medical is about $836, and the remaining collision insurance is around $1,518.

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.

Average 2024 BMW 530e insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 BMW 530e insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2024 model year BMW 530e with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all BMW 530e trim levels.

2024 BMW 530e Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,168$597
Safe Driver Age 20$6,282$524
At-fault Accidents Age 40$4,394$366
Low Deductibles Age 40$4,106$342
Safe Driver Age 30$3,314$276
Safe Driver Age 40$3,100$258
Safe Driver Age 50$2,736$228
High Deductibles Age 40$2,586$216
Discount Rate Age 40$2,568$214
Safe Driver Age 60$2,564$214

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 BMW 530e trim levels. Updated June 27, 2025

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 Insurance Rates by Trim Level
2024 BMW 530e Trim Level Annual Premium Cost Per Month
Sedan$3,074$256
xDrive Sedan$3,128$261

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 2024 BMW 530e ranging from the Sedan model at $3,074 per year to the xDrive Sedan model at $3,128
Insurance cost by trim level for a 2024 BMW 530e ranging from the Sedan model at $3,074 per year to the xDrive Sedan model at $3,128

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.

BMW 530e Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 BMW 530e$6,282$3,100$2,564
2023 BMW 530e$6,114$3,014$2,492
2022 BMW 530e$5,432$2,702$2,232
2021 BMW 530e$6,186$3,032$2,514
2020 BMW 530e$5,998$2,942$2,440
2019 BMW 530e$5,298$2,598$2,154
2018 BMW 530e$5,010$2,460$2,042

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 June 26, 2025

Average insurance rates for 2018 to 2024 BMW 530e models for drivers age 20, 40 and 60
Average insurance rates for 2018 to 2024 BMW 530e models for drivers age 20, 40 and 60

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 $3,100 per year for insurance, while the category average cost is $2,874 annually, a difference of $226 per year.

When compared to other 2024 model year midsize luxury cars, BMW 530e car insurance costs $654 more per year than the Lexus ES 350, $252 more than the BMW 530i, and $450 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.

Insurance Cost Comparison: BMW 530e vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$690
2Lexus IS 300$2,414-$686
3Lexus ES 350$2,446-$654
4Mercedes-Benz AMG CLA35$2,456-$644
5Lexus RC 300$2,462-$638
6Jaguar XF$2,476-$624
7Cadillac CT5$2,526-$574
8Lexus ES 250$2,534-$566
9Lexus ES 300h$2,572-$528
10Audi A3$2,634-$466
11Infiniti Q50$2,650-$450
12Mercedes-Benz AMG CLA45$2,682-$418
13Audi S4$2,692-$408
14Mercedes-Benz EQE 350$2,724-$376
15BMW i4$2,734-$366
16Lexus IS 500$2,770-$330
17BMW 530i$2,848-$252
18Audi S5$2,890-$210
19BMW 540i$2,900-$200
20BMW 430i$2,940-$160
21BMW i5$2,960-$140
22Genesis G80$2,976-$124
23Mercedes-Benz EQE 500$3,008-$92
24Mercedes-Benz AMG C43$3,024-$76
25Audi A6$3,036-$64
26Tesla Model S$3,070-$30
27BMW 530e$3,100--
28Audi RS 5$3,106$6
29Audi S6$3,128$28
30BMW M440i$3,206$106
31Audi A7$3,268$168
32Lexus LC 500h$3,508$408
33Audi S7$3,624$524
34BMW M8$3,948$848

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 June 27, 2025

At $3,100 per year, insurance cost for a 2024 BMW 530e ranks 27th out of 34 models in the midsize luxury car segment
At $3,100 per year, insurance cost for a 2024 BMW 530e ranks 27th out of 34 models in the midsize luxury car segment