Insurance on a BMW Alpina XB7: What You Can Expect to Pay

How much does Alpina XB7 insurance cost? We compare average car insurance rates for the xDrive luxury SUV to competitors to see how prices stack up.

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  • BMW Alpina XB7 car insurance rates average $3,820 per year (about $318 per month) for full coverage, depending on policy limits.
  • Ranked eighth out of 13 vehicles in the large luxury SUV segment for 2024, average car insurance rates for the BMW Alpina XB7 cost $193 more per year than the segment average.

How much does BMW Alpina XB7 insurance cost?

Ranked eighth out of 13 vehicles in the large luxury SUV class, BMW Alpina XB7 insurance costs around $3,820 a year, or around $318 monthly.

When compared to the national average car insurance rate of $2,221, which factors in all vehicles (not just luxury SUVs), the Alpina XB7 costs an average of $1,599 more per year for a full-coverage insurance policy.

The bar chart below takes the average insurance rate and factors is variables like driver age, policy deductibles, and driving record to show how much rates can fluctuate. The average rate for the Alpina XB7 is the Safe Driver Age 40 rate.

Average 2024 BMW Alpina XB7 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 BMW Alpina XB7 insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2024 model year BMW Alpina XB7 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all BMW Alpina XB7 trim levels.

2024 BMW Alpina XB7 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,782$732
Safe Driver Age 20$7,728$644
At-fault Accidents Age 40$5,346$446
Low Deductibles Age 40$5,244$437
Safe Driver Age 30$4,110$343
Safe Driver Age 40$3,820$318
Safe Driver Age 50$3,342$279
Discount Rate Age 40$3,172$264
Safe Driver Age 60$3,134$261
High Deductibles Age 40$3,096$258

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 BMW Alpina XB7 trim levels. Updated June 26, 2025

The next list discusses some additional factors that may increase or decrease the cost of car insurance.

  • Lower the cost of your policy by increasing deductibles. Boosting your deductibles from $500 to $1,000 could save around $724 per year for a 40-year-old driver and $1,440 per year for a 20-year-old driver.
  • Decreasing policy deductibles makes car insurance more expensive. Cutting your deductibles from $500 to $250 could cost an additional $756 per year for a 40-year-old driver and $1,528 per year for a 20-year-old driver.
  • A good driving record means cheaper policy costs. To find the cheapest Alpina XB7 insurance rates, it pays to be a safe driver. As a matter of fact, just a couple of minor moving violations can potentially raise Alpina XB7 insurance cost by as much as $1,000 per year. Serious misdemeanors such as DUI and hit-and-run could raise rates by an additional $3,532 or more.
  • Get better rates due to your occupation. Most auto insurance providers offer discounts for being employed in professions like nurses, accountants, emergency medical technicians, firefighters, high school and elementary teachers, and others. Being employed in a qualifying occupation may save between $115 and $228 on your annual Alpina XB7 insurance bill, depending on your age.
  • High-risk Alpina XB7 insurance can get expensive. For a 40-year-old driver, the need to buy a high-risk policy can potentially increase rates by $4,580 or more per year.
  • As driver age increases, insurance rates tend to go down. The difference in insurance rates for a 2024 BMW Alpina XB7 between a 50-year-old driver ($3,342 per year) and a 20-year-old driver ($7,728 per year) is $4,386, or a savings of 79.2%.

BMW Alpina XB7 insurance vs. other large luxury SUVs

When average insurance prices are compared to other large luxury SUVs, the XB7 costs $564 more per year to insure than the Cadillac Escalade, $1,070 more than the Volvo XC90, and $672 more than the Mercedes-Benz GLS450.

The BMW Alpina XB7 ranks eighth out of 13 total comparison vehicles in the 2024 large luxury SUV segment for most affordable car insurance rates. The Alpina XB7 costs an average of $3,820 per year to insure for full coverage, while the average insurance rate for the segment is $3,627 per year, a difference of $193 per year.

The following table shows how BMW Alpina XB7 car insurance rates compare to the rest of the full-size luxury SUV segment.

BMW Alpina XB7 Insurance vs Large Luxury SUVs
Rank Make and Model Annual Premium Difference
1Infiniti QX80$2,626-$1,194
2Volvo XC90$2,750-$1,070
3Lexus LX 600$2,942-$878
4BMW X7$2,992-$828
5Lincoln Navigator$3,002-$818
6Mercedes-Benz GLS450$3,148-$672
7Cadillac Escalade$3,256-$564
8BMW Alpina XB7$3,820--
9Mercedes-Benz EQS 580 SUV$4,202$382
10Land Rover Range Rover$4,236$416
11Mercedes-Benz Maybach GLS 600$4,490$670
12Mercedes-Benz G550$4,656$836
13Mercedes-Benz G63 AMG$5,036$1,216

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 2024 model year. Updated June 27, 2025

At $3,820 per year, insurance cost for a 2024 BMW Alpina XB7 ranks eighth out of 13 models in the large luxury SUV segment
At $3,820 per year, insurance cost for a 2024 BMW Alpina XB7 ranks eighth out of 13 models in the large luxury SUV segment