Insuring a BMW 535i: What to Know in 2025

• BMW 535i insurance costs an average of $2,414 per year for a full coverage policy, but can vary a lot based on the policy limits.
• When compared to the entire 2017 midsize luxury car segment, the BMW 535i ranks 32^nd out of 47 total comparison vehicles for car insurance affordability.

How much does BMW 535i insurance cost?

The average BMW 535i insurance cost is $2,414 a year for a full coverage policy. When separated by coverage type, comprehensive (or other-than-collision) coverage costs around $564 a year, collision coverage will cost around $1,164, and the remaining liability/medical is an estimated $686.

The cost summary chart below demonstrates how average BMW 535i car insurance rates can change based on driver age group and the choice of physical damage coverage deductibles. Car insurance rates are generally higher for younger drivers, and low deductibles cost more than higher deductibles.

The following data table breaks down average BMW 535i car insurance rates for the 2013 to 2017 model years and different driver age groups.

How do 535i insurance rates compare to similar vehicles?

When insurance prices are compared to other models in the midsize luxury car category, the BMW 535i costs $432 more per year than the Lexus ES 350, $142 more than the BMW 530i, and $30 more than the Infiniti Q50.

The BMW 535i ranks 32^nd out of 47 comparison vehicles in the midsize luxury car class for auto insurance affordability. The 535i costs an average of $2,414 per year for a car insurance policy with full coverage and the segment average insurance cost is $2,357 per year, a difference of $57 per year.

The next table shows how average BMW 535i car insurance rates compare to models in the rest of the midsize luxury car segment like the Lincoln MKZ, Mercedes-Benz CLA250, and the Audi A6.

Additional BMW 535i car insurance rates and information

• Improve your credit rating to save on insurance. Insureds with excellent credit scores of 800+ could save around $379 per year compared to a credit rating of 670-739. Conversely, a below-average credit score could cost as much as $439 more per year.
• Car insurance for high-risk drivers is expensive. For a 40-year-old driver, having too many accidents or violations could trigger a rate increase of $2,950 or more per year.
• Gender affects car insurance rates. For a 2017 BMW 535i, a 20-year-old man pays an estimated $4,898 per year, while a 20-year-old woman will pay an average of $3,496, a difference of $1,402 per year in favor of the women by a long shot. But by age 50, the cost for a male driver is $2,132 and the rate for women is $2,080, a difference of only $52.
• Increasing deductibles makes car insurance cheaper. Boosting your deductibles from $500 to $1,000 could save around $390 per year for a 40-year-old driver and $774 per year for a 20-year-old driver.
• The lower the deductibles, the higher the cost. Lowering your policy deductibles from $500 to $250 could cost an additional $410 per year for a 40-year-old driver and $822 per year for a 20-year-old driver.
• Teenage drivers are expensive to insure. Average rates for full coverage 535i insurance costs $8,657 per year for a 16-year-old driver, $8,406 per year for a 17-year-old driver, $7,561 per year for an 18-year-old driver, and $6,863 per year for a 19-year-old driver.
• Get better rates due to your job. The large majority of auto insurance companies offer discounts for being employed in occupations like members of the military, lawyers, police officers and law enforcement, architects, accountants, and others. Working in a qualifying occupation could potentially save between $72 and $183 on your yearly insurance cost, subject to policy limits.
• Avoid tickets to save money. If you want to get the lowest-priced 535i insurance rates, it pays to drive safely. Not surprisingly, just one or two minor infractions on your driving record could result in increasing the cost of a policy as much as $646 per year.