- BMW 530xi insurance rates cost $2,566 per year on average, or about $214 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 $47 more per year on average.
How much does BMW 530xi car insurance cost?
The average annual cost of insurance for a BMW 530xi is $2,566, or about $214 a month. Comprehensive coverage will cost about $586 a year, liability and medical (or PIP) coverage is an estimated $814, and the remaining collision coverage will cost around $1,166.
The rate chart below displays average car insurance rates for a 2018 BMW 530xi using a variety of different driver ages and risk scenarios.
The next table shows the average cost of BMW 530xi insurance for the 2017 and 2018 model years and for different driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2018 BMW 530xi | $5,206 | $2,566 | $2,132 |
| 2017 BMW 530xi | $4,956 | $2,448 | $2,036 |
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 October 24, 2025
Is BMW 530xi insurance expensive?
When compared directly to other midsize luxury cars, car insurance prices for a BMW 530xi cost $452 more per year than the Lexus ES 350, $222 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 $2,566 per year for a car insurance policy with full coverage and the class average insurance cost is $2,519 per year, a difference of $47 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura ILX | $1,796 | -$770 |
| 2 | Lexus IS 300 | $1,958 | -$608 |
| 3 | Lexus RC 300 | $2,044 | -$522 |
| 4 | Mercedes-Benz SLC300 | $2,108 | -$458 |
| 5 | Lexus ES 350 | $2,114 | -$452 |
| 6 | Mercedes-Benz AMG CLA45 | $2,126 | -$440 |
| 7 | Audi S5 | $2,166 | -$400 |
| 8 | Audi A3 | $2,178 | -$388 |
| 9 | Mercedes-Benz CLA250 | $2,188 | -$378 |
| 10 | Mercedes-Benz C350E | $2,198 | -$368 |
| 11 | Lincoln MKZ | $2,210 | -$356 |
| 12 | Mercedes-Benz E300 | $2,216 | -$350 |
| 13 | Lexus ES 300H | $2,224 | -$342 |
| 14 | Genesis G80 | $2,230 | -$336 |
| 15 | BMW 430i | $2,244 | -$322 |
| 16 | Audi A6 | $2,266 | -$300 |
| 17 | Audi S4 | $2,278 | -$288 |
| 18 | Lexus GS 300 | $2,316 | -$250 |
| 19 | Jaguar XE | $2,318 | -$248 |
| 20 | Lexus GS 350 | $2,336 | -$230 |
| 21 | BMW 530i | $2,344 | -$222 |
| 22 | BMW 540xi | $2,356 | -$210 |
| 23 | BMW 540i | $2,362 | -$204 |
| 24 | BMW 440i | $2,390 | -$176 |
| 25 | Jaguar XF | $2,412 | -$154 |
| 26 | Mercedes-Benz AMG C43 | $2,468 | -$98 |
| 27 | Mercedes-Benz SL450 | $2,490 | -$76 |
| 28 | Mercedes-Benz E400 | $2,500 | -$66 |
| 29 | Infiniti Q50 | $2,512 | -$54 |
| 30 | BMW 530e | $2,520 | -$46 |
| 31 | Audi RS 5 | $2,552 | -$14 |
| 32 | Mercedes-Benz AMG E43 | $2,560 | -$6 |
| 33 | BMW 530xi | $2,566 | -- |
| 34 | BMW M550i | $2,648 | $82 |
| 35 | Mercedes-Benz AMG C63 | $2,698 | $132 |
| 36 | BMW 640xi | $2,706 | $140 |
| 37 | Audi S6 | $2,726 | $160 |
| 38 | BMW 640i | $2,778 | $212 |
| 39 | Mercedes-Benz SL550 | $2,828 | $262 |
| 40 | Lexus GS F | $2,840 | $274 |
| 41 | Tesla Model S | $2,880 | $314 |
| 42 | Lexus LC 500H | $2,904 | $338 |
| 43 | Audi A7 | $2,914 | $348 |
| 44 | BMW 650xi | $2,918 | $352 |
| 45 | Audi S7 | $3,094 | $528 |
| 46 | BMW M5 | $3,106 | $540 |
| 47 | BMW M6 | $3,306 | $740 |
| 48 | Mercedes-Benz SL63 AMG | $3,360 | $794 |
| 49 | Mercedes-Benz SL65 AMG | $4,188 | $1,622 |
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 October 24, 2025
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 $3,054 or more per year.
- The higher the deductibles, the lower the cost. Increasing your deductibles from $500 to $1,000 could save around $398 per year for a 40-year-old driver and $782 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 $414 per year for a 40-year-old driver and $828 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 $5,206 per year, while a 20-year-old female driver will pay an average of $3,726, a difference of $1,480 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $2,276 and the cost for women is $2,216, a difference of only $60.
- No accidents mean better rates. Having a few at-fault accidents can really raise rates, potentially by an extra $3,726 per year for a 20-year-old driver and even as much as $648 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 $438 per year on the cost of insuring a BMW 530xi.
- Teenage drivers are expensive to insure. Average rates for full coverage 530xi insurance costs $9,281 per year for a 16-year-old driver, $8,979 per year for a 17-year-old driver, $8,024 per year for an 18-year-old driver, and $7,303 per year for a 19-year-old driver.