What to Expect When Insuring a BMW 745e in 2025

How much does BMW 745e insurance cost? We break down rates for the 7-Series plug-in hybrid to see how it measures up to the competition.

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  • The average BMW 745e insurance cost is $3,150 per year, or $263 per month for full coverage.
  • Out of 25 models in the 2022 full-size luxury sedan segment, the BMW 745e ranks ninth for overall insurance affordability.

How much does BMW 745e insurance cost?

BMW 745e insurance costs around $3,150 annually for full coverage, or about $263 a month. The 745e costs $230 less per year to insure than the average large luxury car, and $929 more per year than the $2,221 average for all vehicles (non-luxury included).

The next chart illustrates how 745e car insurance rates fluctuate based on the age of the driver and the policy deductibles.

Average 2022 BMW 745e car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2022 BMW 745e 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 2022 model year BMW 745e. 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.

2022 BMW 745e Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$5,252$438
$500$6,334$528
$250$7,482$624
30-Year-Old$1,000$2,774$231
$500$3,376$281
$250$4,002$334
40-Year-Old$1,000$2,598$217
$500$3,150$263
$250$3,726$311
50-Year-Old$1,000$2,294$191
$500$2,770$231
$250$3,266$272
60-Year-Old$1,000$2,148$179
$500$2,594$216
$250$3,060$255

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 2022 BMW 745e. Updated June 27, 2025

How do 745e car insurance prices rank?

The BMW 745e ranks ninth out of 25 comparison vehicles in the 2022 large luxury car class for the most affordable insurance cost. The 745e costs an average of $3,150 per year for a full coverage policy, while the segment average cost is $3,380 per year, a difference of $230 per year.

When average rates are compared to other popular large luxury cars, insurance prices for a BMW 745e cost $640 more per year than the Audi A5, $410 less than the BMW 740i, and $578 less than the Porsche Panamera.

The table displayed below shows where insurance cost for a BMW 745e ranks against other competitors in the full-size luxury sedan segment.

Insurance Cost Comparison: BMW 745e vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,510-$640
2Volvo S90$2,768-$382
3Lexus LS 500$2,874-$276
4Mercedes-Benz AMG E53$2,922-$228
5Genesis G90$2,928-$222
6Mercedes-Benz AMG GT43$2,986-$164
7Lexus LS 500h$3,074-$76
8BMW 840i$3,094-$56
9BMW 745e$3,150--
10Mercedes-Benz EQS 450$3,226$76
11Infiniti Q60$3,236$86
12Mercedes-Benz S500$3,276$126
13Audi RS 7$3,282$132
14Mercedes-Benz EQS 580$3,306$156
15BMW M850i$3,526$376
16Mercedes-Benz S580$3,532$382
17BMW 740i$3,560$410
18Audi S8$3,612$462
19BMW 750i$3,650$500
20Audi A8$3,658$508
21Porsche Panamera$3,728$578
22Mercedes-Benz S560$3,888$738
23BMW Alpina B8$4,080$930
24BMW M760i$4,212$1,062
25Mercedes-Benz Maybach S580$4,424$1,274

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 2022 model year. Updated June 27, 2025

At $3,150 per year, insurance cost for a 2022 BMW 745e ranks ninth out of 25 models in the large luxury car segment
At $3,150 per year, insurance cost for a 2022 BMW 745e ranks ninth out of 25 models in the large luxury car segment

Additional key rates and potential discounts

A few additional key data observations about insuring a BMW 745e include:

  • Car insurance for high-risk drivers is expensive. For a 40-year-old driver, the requirement to buy a high-risk policy can cause a rate increase of $3,774 or more per year.
  • Young male drivers pay the highest rates. For a 2022 BMW 745e, a 20-year-old man will pay an estimated rate of $6,334 per year, while a 20-year-old female will pay an average of $4,532, a difference of $1,802 per year. Women get significantly cheaper rates. But by age 50, the male rate is $2,770 and the cost for female drivers is $2,710, a difference of only $60.
  • Careless drivers pay higher rates. At-fault accidents raise insurance rates, possibly as much as $1,502 per year for a 30-year-old driver and as much as $720 per year for a 60-year-old driver.
  • Qualify for policy discounts to get cheaper insurance. Discounts may be available if the policyholders are senior citizens, are accident-free, sign their policy early, drive low annual mileage, or other policy discounts which could save the average driver as much as $536 per year on the cost of insuring a BMW 745e.
  • The cost to insure teen drivers is expensive. Average rates for full coverage 745e insurance costs $10,983 per year for a 16-year-old driver, $10,719 per year for a 17-year-old driver, $9,753 per year for an 18-year-old driver, and $8,829 per year for a 19-year-old driver.
  • A good driving record means cheaper insurance rates. To pay the most reasonable price on 745e insurance rates, it’s necessary to follow the law. A few traffic violations could result in raising insurance costs as much as $826 per year.