Insurance and Your BMW 530xi: What You Need to Know

How much are BMW 530xi insurance rates? We analyzed auto insurance rates by model year for the 530xi to discover how prices rank against the rest of the midsize luxury car segment.

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  • BMW 530xi insurance rates cost $2,504 per year on average, or about $209 per month, for a policy with full coverage.
  • When compared to other midsize luxury cars, the BMW 530xi tends to be a little more expensive than other midsize luxury cars to insure, costing $45 more per year on average.

How much does BMW 530xi car insurance cost?

The average annual cost of insurance for a BMW 530xi is $2,504, or about $209 a month. Comprehensive coverage will cost about $572 a year, liability and medical (or PIP) coverage is an estimated $794, and the remaining collision coverage will cost around $1,138.

The rate chart below displays average car insurance rates for a 2018 BMW 530xi using a variety of different driver ages and risk scenarios.

Average 2018 BMW 530xi insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2018 BMW 530xi insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2018 model year BMW 530xi 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 530xi trim levels.

2018 BMW 530xi Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,794$483
Safe Driver Age 20$5,080$423
At-fault Accidents Age 40$3,564$297
Low Deductibles Age 40$3,262$272
Safe Driver Age 30$2,672$223
Safe Driver Age 40$2,504$209
Safe Driver Age 50$2,222$185
High Deductibles Age 40$2,116$176
Safe Driver Age 60$2,080$173
Discount Rate Age 40$2,074$173

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 2018 BMW 530xi trim levels. Updated June 26, 2025

The next table shows the average cost of BMW 530xi insurance for the 2017 and 2018 model years and for different driver ages.

BMW 530xi Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2018 BMW 530xi$5,080$2,504$2,080
2017 BMW 530xi$4,836$2,390$1,988

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 530xi trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2017 to 2018 BMW 530xi models for drivers age 20, 40 and 60
Average insurance rates for 2017 to 2018 BMW 530xi models for drivers age 20, 40 and 60

Is BMW 530xi insurance expensive?

When compared directly to other midsize luxury cars, car insurance prices for a BMW 530xi cost $442 more per year than the Lexus ES 350, $216 more than the BMW 530i, and $54 more than the Infiniti Q50.

The BMW 530xi ranks 33rd out of 49 total vehicles in the midsize luxury car category for most affordable car insurance cost. The 530xi costs an average of $2,504 per year for a car insurance policy with full coverage and the class average insurance cost is $2,459 per year, a difference of $45 per year.

The next table shows how well the 530xi ranks against other midsize luxury cars for the 2018 model year like the Acura ILX, Mercedes-Benz CLA250, and the Audi A6.

Insurance Cost Comparison: BMW 530xi vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$748
2Lexus IS 300$1,908-$596
3Lexus RC 300$1,992-$512
4Mercedes-Benz SLC300$2,058-$446
5Lexus ES 350$2,062-$442
6Mercedes-Benz AMG CLA45$2,076-$428
7Audi S5$2,114-$390
8Audi A3$2,126-$378
9Mercedes-Benz CLA250$2,136-$368
10Mercedes-Benz C350E$2,146-$358
11Lincoln MKZ$2,158-$346
12Mercedes-Benz E300$2,162-$342
13Lexus ES 300H$2,170-$334
14Genesis G80$2,174-$330
15BMW 430i$2,190-$314
16Audi A6$2,212-$292
17Audi S4$2,224-$280
18Lexus GS 300$2,260-$244
19Jaguar XE$2,262-$242
20Lexus GS 350$2,282-$222
21BMW 530i$2,288-$216
22BMW 540xi$2,298-$206
23BMW 540i$2,304-$200
24BMW 440i$2,334-$170
25Jaguar XF$2,354-$150
26Mercedes-Benz AMG C43$2,410-$94
27Mercedes-Benz SL450$2,430-$74
28Mercedes-Benz E400$2,442-$62
29Infiniti Q50$2,450-$54
30BMW 530e$2,460-$44
31Audi RS 5$2,490-$14
32Mercedes-Benz AMG E43$2,500-$4
33BMW 530xi$2,504--
34BMW M550i$2,582$78
35Mercedes-Benz AMG C63$2,634$130
36BMW 640xi$2,642$138
37Audi S6$2,662$158
38BMW 640i$2,712$208
39Mercedes-Benz SL550$2,762$258
40Lexus GS F$2,772$268
41Tesla Model S$2,810$306
42Lexus LC 500H$2,834$330
43Audi A7$2,844$340
44BMW 650xi$2,848$344
45Audi S7$3,022$518
46BMW M5$3,034$530
47BMW M6$3,228$724
48Mercedes-Benz SL63 AMG$3,280$776
49Mercedes-Benz SL65 AMG$4,084$1,580

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 2018 model year. Updated June 27, 2025

At $2,504 per year, insurance cost for a 2018 BMW 530xi ranks 33rd out of 49 models in the midsize luxury car segment
At $2,504 per year, insurance cost for a 2018 BMW 530xi ranks 33rd out of 49 models in the midsize luxury car segment

Supplementary rates and observations

Other insights relative to BMW 530xi insurance cost include:

  • Expect to pay a lot for high-risk insurance. For a 50-year-old driver, being required to buy a high-risk insurance policy could inflate rates by $2,982 or more per year.
  • The higher the deductibles, the lower the cost. Increasing your deductibles from $500 to $1,000 could save around $388 per year for a 40-year-old driver and $762 per year for a 20-year-old driver.
  • Low physical damage deductibles increase cost. Dropping your physical damage deductibles from $500 to $250 could cost an additional $404 per year for a 40-year-old driver and $810 per year for a 20-year-old driver.
  • Gender and age are two big factors. For a 2018 BMW 530xi, a 20-year-old man will have an average rate of $5,080 per year, while a 20-year-old female driver will pay an average of $3,634, a difference of $1,446 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $2,222 and the cost for women is $2,164, a difference of only $58.
  • No accidents mean better rates. Having a few at-fault accidents can really raise rates, potentially by an extra $3,636 per year for a 20-year-old driver and even as much as $632 per year for a 60-year-old driver.
  • More discounts mean cheap BMW 530xi insurance rates. Discounts may be available if the insureds are good students, are loyal customers, work in certain occupations, take a defensive driving course, are senior citizens, or other discounts which could save the average driver as much as $430 per year on the cost of insuring a BMW 530xi.
  • Teenage drivers are expensive to insure. Average rates for full coverage 530xi insurance costs $9,058 per year for a 16-year-old driver, $8,765 per year for a 17-year-old driver, $7,831 per year for an 18-year-old driver, and $7,130 per year for a 19-year-old driver.