BMW 550xi Insurance on a Budget: Factors Impacting Costs

How much does 550xi insurance cost? We compare average rates for the 550xi Gran Turismo AWD model to find out how prices rank when compared to the rest of the midsize luxury car market.

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  • Car insurance rates on a BMW 550xi cost an average of $2,576 per year, or around $215 per month, but can vary considerably based on the policy limits.
  • The 550xi ranks 35th out of 47 vehicles in the midsize luxury car class for auto insurance affordability.
  • Insurance for the 550xi costs 8.9% more than the average rate for similar 2017 model year luxury car models.

How much does BMW 550xi car insurance cost?

Ranked 35th out of 47 vehicles in the 2017 midsize luxury car class, BMW 550xi insurance costs an average of $2,576 yearly, or around $215 monthly.

With the average midsize luxury car costing $2,357 a year to insure, the BMW 550xi may cost an estimated $219 or more every 12 months.

The next chart details how BMW 550xi auto insurance prices can vary based on the age of the rated driver and $250, $500, and $1,000 deductibles.

Average 2017 BMW 550xi car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2017 BMW 550xi car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2017 model year BMW 550xi. 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.

2017 BMW 550xi Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,408$367
$500$5,262$439
$250$6,174$515
30-Year-Old$1,000$2,288$191
$500$2,752$229
$250$3,238$270
40-Year-Old$1,000$2,150$179
$500$2,576$215
$250$3,024$252
50-Year-Old$1,000$1,902$159
$500$2,272$189
$250$2,656$221
60-Year-Old$1,000$1,786$149
$500$2,130$178
$250$2,492$208

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 2017 BMW 550xi. Updated June 27, 2025

The data table below breaks down average full coverage insurance rates for a BMW 550xi for the 2013 to 2017 model years.

BMW 550xi Insurance Cost for 2013-2017 Models
Model Year and Vehicle Annual Premium Cost Per Month
2017 BMW 550xi$2,576$215
2016 BMW 550xi$2,452$204
2015 BMW 550xi$2,138$178
2014 BMW 550xi$2,134$178
2013 BMW 550xi$1,906$159

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 550xi trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2013 to 2017 BMW 550xi models
Average annual premium and cost per month to insure 2013 to 2017 BMW 550xi models

BMW 550xi insurance rates compared

When compared directly to other midsize luxury car models, car insurance prices for a BMW 550xi cost $594 more per year than the Lexus ES 350, $304 more than the BMW 530i, and $192 more than the Infiniti Q50.

The BMW 550xi ranks 35th out of 47 total vehicles in the 2017 midsize luxury car class for car insurance affordability.

The 550xi costs an average of $2,576 per year to insure for full coverage, while the segment average cost is $2,357 annually, a difference of $219 per year.

The table below shows how 550xi car insurance rates compare to all other midsize luxury models in the U.S. like the Lincoln MKZ, Mercedes-Benz CLA250, and the Audi A6.

Insurance Cost Comparison: BMW 550xi vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Acura ILX$1,616-$960
2Lexus IS 300$1,856-$720
3Lexus RC 300$1,910-$666
4Mercedes-Benz AMG CLA45$1,940-$636
5Audi S5$1,968-$608
6Mercedes-Benz SLC300$1,978-$598
7Lexus ES 350$1,982-$594
8Genesis G80$1,998-$578
9Mercedes-Benz E300$2,040-$536
10Mercedes-Benz CLA250$2,052-$524
11Mercedes-Benz C350E$2,056-$520
12Audi A3$2,066-$510
13Lincoln MKZ$2,070-$506
14Lexus ES 300H$2,082-$494
15BMW 430i$2,104-$472
16Jaguar XE$2,148-$428
17Audi A6$2,160-$416
18Lexus GS 350$2,202-$374
19BMW 540xi$2,210-$366
20BMW 540i$2,216-$360
21Jaguar XF$2,228-$348
22BMW 440i$2,234-$342
23BMW 530i$2,272-$304
24Mercedes-Benz E400$2,284-$292
25Mercedes-Benz AMG C43$2,310-$266
26Mercedes-Benz SL450$2,312-$264
27Mercedes-Benz E550$2,374-$202
28BMW 535xi$2,382-$194
29Infiniti Q50$2,384-$192
30BMW 530xi$2,390-$186
31Mercedes-Benz AMG E43$2,398-$178
32BMW 535i$2,414-$162
33Mercedes-Benz AMG C63$2,546-$30
34Audi S6$2,554-$22
35BMW 550xi$2,576--
36BMW 640i$2,600$24
37Mercedes-Benz SL550$2,632$56
38BMW 640xi$2,650$74
39Lexus GS F$2,658$82
40Tesla Model S$2,710$134
41BMW 650xi$2,724$148
42Audi A7$2,752$176
43Mercedes-Benz S550E$2,842$266
44Audi S7$2,868$292
45BMW M6$3,066$490
46Mercedes-Benz SL63 AMG$3,122$546
47Mercedes-Benz SL65 AMG$3,838$1,262

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 2017 model year. Updated June 26, 2025

At $2,576 per year, insurance cost for a 2017 BMW 550xi ranks 35th out of 47 models in the midsize luxury car segment
At $2,576 per year, insurance cost for a 2017 BMW 550xi ranks 35th out of 47 models in the midsize luxury car segment