- BMW M760i car insurance costs $4,322 per year (about $360 per month) for a full coverage policy, but vary considerably based on policy limits.
- Ranked 24th out of 26 large luxury cars, insurance for the BMW M760i costs $797 more per year than the average cost for the segment.
How much does BMW M760i insurance cost?
Ranked 24th out of 26 vehicles in the large luxury car class, BMW M760i insurance averages around $4,322 yearly, or $360 a month. With the average large luxury car costing $3,525 a year to insure, the BMW M760i could potentially cost around $797 or more annually.
The price summary chart below displays average annual car insurance rates on a 2023 BMW M760i using different combinations of driver age and risk.
The following data table breaks down average BMW M760i full coverage car insurance policy costs from the 2018 to the 2023 model years and for various driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 BMW M760i | $8,738 | $4,322 | $3,544 |
| 2022 BMW M760i | $8,528 | $4,212 | $3,452 |
| 2021 BMW M760i | $8,614 | $4,238 | $3,476 |
| 2020 BMW M760i | $8,310 | $4,094 | $3,358 |
| 2019 BMW M760i | $7,892 | $3,870 | $3,178 |
| 2018 BMW M760i | $7,460 | $3,668 | $3,014 |
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 M760i trim levels for each model year. Updated June 27, 2025
BMW M760i insurance rates vs. the competition
When compared to other large luxury car models, insurance prices for a BMW M760i cost $1,764 more per year than the Audi A5, $704 more than the BMW 740i, and $504 more than the Porsche Panamera.
The BMW M760i ranks 24th out of 26 total comparison vehicles in the large luxury car segment for most affordable car insurance rates. The M760i costs an average of $4,322 per year for insurance, while the segment average auto insurance cost is $3,525 annually, a difference of $797 per year.
The next chart shows how average M760i car insurance rates compare to the top 10 best-selling large luxury cars in the U.S. like the Infiniti Q60, Audi A8, and the Genesis G90. A rate table with more models is included following the chart that displays average car insurance rates for the entire large luxury car category.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Audi A5 | $2,558 | -$1,764 |
| 2 | Volvo S90 | $2,884 | -$1,438 |
| 3 | Lexus LS 500 | $2,978 | -$1,344 |
| 4 | Mercedes-Benz AMG E53 | $2,996 | -$1,326 |
| 5 | Genesis G90 | $3,016 | -$1,306 |
| 6 | BMW i7 | $3,034 | -$1,288 |
| 7 | Mercedes-Benz AMG GT43 | $3,062 | -$1,260 |
| 8 | Lexus LS 500h | $3,162 | -$1,160 |
| 9 | BMW 840i | $3,252 | -$1,070 |
| 10 | Mercedes-Benz EQS 450 | $3,326 | -$996 |
| 11 | Infiniti Q60 | $3,334 | -$988 |
| 12 | Mercedes-Benz S500 | $3,360 | -$962 |
| 13 | Audi RS 7 | $3,434 | -$888 |
| 14 | Mercedes-Benz EQS 580 | $3,448 | -$874 |
| 15 | BMW 740i | $3,618 | -$704 |
| 16 | BMW M850i | $3,666 | -$656 |
| 17 | Mercedes-Benz AMG EQS | $3,694 | -$628 |
| 18 | Audi A8 | $3,738 | -$584 |
| 19 | Audi S8 | $3,756 | -$566 |
| 20 | Porsche Panamera | $3,818 | -$504 |
| 21 | BMW 760i | $3,854 | -$468 |
| 22 | Mercedes-Benz S580 | $3,940 | -$382 |
| 23 | BMW Alpina B8 | $4,188 | -$134 |
| 24 | BMW M760i | $4,322 | -- |
| 25 | Mercedes-Benz Maybach S580 | $4,454 | $132 |
| 26 | Mercedes-Benz Maybach S680 | $4,752 | $430 |
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 2023 model year. Updated June 27, 2025
Supplementary rates and insights
More noteworthy insights regarding the cost to insure a BMW M760i include:
- Improve your credit for cheaper auto insurance rates. Having a credit score over 800 could save up to $679 per year over a slightly lower credit rating between 670-739. Conversely, a subpar credit rating could cost around $787 more per year.
- High-risk car insurance can get expensive. For a 50-year-old driver, having too many driving record violations or accidents can cause a rate increase of $5,008 or more per year.
- Car insurance for teenagers is expensive. Average rates for full coverage M760i insurance costs $14,927 per year for a 16-year-old driver, $14,661 per year for a 17-year-old driver, $13,509 per year for an 18-year-old driver, and $12,155 per year for a 19-year-old driver.
- Avoid driving violations to reduce insurance rates. In order to have the lowest M760i insurance rates, it pays to drive within the law. As few as two minor infractions on your driving record have the consequences of increasing M760i insurance cost by up to $1,132 per year. Being convicted of a crime such as failing to stop at the scene of an accident could raise rates by an additional $3,994 or more.
- Raising physical damage deductibles lowers cost. Boosting your physical damage deductibles from $500 to $1,000 could save around $814 per year for a 40-year-old driver and $1,618 per year for a 20-year-old driver.
- Decreasing deductibles will cost more. Decreasing your deductibles from $500 to $250 could cost an additional $852 per year for a 40-year-old driver and $1,718 per year for a 20-year-old driver.