How Much is Insurance for a BMW 540xi? Rates & Insights for 2025

How much does BMW 540xi car insurance cost? We analyze average insurance rates for the 540xi to see how prices rank against the rest of the midsize luxury car segment.

Start a Free QuoteCompare BMW 540xi car insurance quotes and save on your next policy.

  • BMW 540xi insurance rates average $2,298 per year or $1,149 for a semi-annual policy, depending on the age of the rated driver.
  • The BMW 540xi is one of the cheaper midsize luxury cars to insure, costing $161 less per year on average as compared to the rest of the vehicles in the segment.

How much does BMW 540xi insurance cost?

Ranked 22nd out of 49 vehicles in the 2018 midsize luxury car class, BMW 540xi insurance costs around $2,298 annually, or around $192 if paid each month. With the average midsize luxury car costing $2,459 a year to insure, the BMW 540xi could save an estimated $161 or more every 12 months.

The next chart details how average BMW 540xi car insurance prices can change depending on the age of the driver and policy deductibles. The rates shown are per year and range from $1,564 per year for a 60-year-old driver with high physical damage deductibles to a high of $5,514 annually for a 20-year-old driver with low policy deductibles.

Average 2018 BMW 540xi car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2018 BMW 540xi car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2018 model year BMW 540xi. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2018 BMW 540xi Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,838$320
$500$4,650$388
$250$5,514$460
30-Year-Old$1,000$2,020$168
$500$2,466$206
$250$2,930$244
40-Year-Old$1,000$1,888$157
$500$2,298$192
$250$2,724$227
50-Year-Old$1,000$1,668$139
$500$2,020$168
$250$2,388$199
60-Year-Old$1,000$1,564$130
$500$1,896$158
$250$2,242$187

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2018 BMW 540xi. Updated June 27, 2025

The table below breaks down average insurance rates for a BMW 540xi for the 2017 and 2018 model years and for various driver ages.

BMW 540xi Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2018 BMW 540xi$4,650$2,298$1,896
2017 BMW 540xi$4,466$2,210$1,822

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 540xi trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2017 to 2018 BMW 540xi models for drivers age 20, 40 and 60
Average insurance rates for 2017 to 2018 BMW 540xi models for drivers age 20, 40 and 60

Other observations regarding the cost of insurance for a BMW 540xi include:

  • High-risk insurance is expensive. For a 30-year-old driver, having to buy a high-risk insurance policy can potentially increase rates by $2,818 or more per year.
  • Car insurance for teenagers is expensive. Average rates for full coverage 540xi insurance costs $8,059 per year for a 16-year-old driver, $7,880 per year for a 17-year-old driver, $7,196 per year for an 18-year-old driver, and $6,492 per year for a 19-year-old driver.
  • Lower policy costs by raising deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $410 per year for a 40-year-old driver and $812 per year for a 20-year-old driver.
  • Choosing a low deductible may not make good financial sense. Decreasing deductibles from $500 to $250 could cost an additional $426 per year for a 40-year-old driver and $864 per year for a 20-year-old driver.
  • Save money due to your occupation. The large majority of auto insurance providers offer policy discounts for occupations like members of the military, engineers, accountants, college professors, lawyers, and others. By qualifying for this discount, you could potentially save between $69 and $193 on your yearly insurance bill.
  • Older drivers tend to pay cheaper insurance rates. The difference in 2018 540xi insurance rates between a 60-year-old driver ($1,896 per year) and a 30-year-old driver ($2,466 per year) is $570, or a savings of 26.1%.

How do BMW 540xi insurance rates compare?

When compared to the other midsize luxury cars, insurance rates for a BMW 540xi cost $236 more per year than the Lexus ES 350, $10 more than the BMW 530i, and $152 less than the Infiniti Q50.

The BMW 540xi ranks 22nd out of 49 comparison vehicles in the 2018 midsize luxury car class for the most affordable insurance cost. The 540xi costs an average of $2,298 per year for full coverage insurance, while the category average auto insurance cost is $2,459 per year, a difference of $161 per year.

The following table shows how the BMW 540xi compares to the top 10 best-selling midsize luxury cars in America like the Lincoln MKZ, Mercedes-Benz CLA250, and the Audi A6.

Insurance Cost Comparison: BMW 540xi vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$542
2Lexus IS 300$1,908-$390
3Lexus RC 300$1,992-$306
4Mercedes-Benz SLC300$2,058-$240
5Lexus ES 350$2,062-$236
6Mercedes-Benz AMG CLA45$2,076-$222
7Audi S5$2,114-$184
8Audi A3$2,126-$172
9Mercedes-Benz CLA250$2,136-$162
10Mercedes-Benz C350E$2,146-$152
11Lincoln MKZ$2,158-$140
12Mercedes-Benz E300$2,162-$136
13Lexus ES 300H$2,170-$128
14Genesis G80$2,174-$124
15BMW 430i$2,190-$108
16Audi A6$2,212-$86
17Audi S4$2,224-$74
18Lexus GS 300$2,260-$38
19Jaguar XE$2,262-$36
20Lexus GS 350$2,282-$16
21BMW 530i$2,288-$10
22BMW 540xi$2,298--
23BMW 540i$2,304$6
24BMW 440i$2,334$36
25Jaguar XF$2,354$56
26Mercedes-Benz AMG C43$2,410$112
27Mercedes-Benz SL450$2,430$132
28Mercedes-Benz E400$2,442$144
29Infiniti Q50$2,450$152
30BMW 530e$2,460$162
31Audi RS 5$2,490$192
32Mercedes-Benz AMG E43$2,500$202
33BMW 530xi$2,504$206
34BMW M550i$2,582$284
35Mercedes-Benz AMG C63$2,634$336
36BMW 640xi$2,642$344
37Audi S6$2,662$364
38BMW 640i$2,712$414
39Mercedes-Benz SL550$2,762$464
40Lexus GS F$2,772$474
41Tesla Model S$2,810$512
42Lexus LC 500H$2,834$536
43Audi A7$2,844$546
44BMW 650xi$2,848$550
45Audi S7$3,022$724
46BMW M5$3,034$736
47BMW M6$3,228$930
48Mercedes-Benz SL63 AMG$3,280$982
49Mercedes-Benz SL65 AMG$4,084$1,786

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 26, 2025

At $2,298 per year, insurance cost for a 2018 BMW 540xi ranks 22nd out of 49 models in the midsize luxury car segment
At $2,298 per year, insurance cost for a 2018 BMW 540xi ranks 22nd out of 49 models in the midsize luxury car segment