BMW 540 Car Insurance Cost 2025
Getting insurance for a BMW 540 costs an average of $3,756 per year. However, the exact cost may vary depending on factors such as your age, the car’s model year, and other individual considerations. You can explore our quote tables to get a more personalized estimate of your insurance costs.
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The average cost to insure a 2025 BMW 540i is around $3,756 per year, or roughly $313 per month, for a driver with a clean record and full coverage.
This makes it one of the more expensive midsize luxury sedans to insure, primarily due to its high-performance engine, advanced safety tech, and elevated repair costs. Insurance providers also factor in the car’s value and likelihood of expensive claims.
While premium rates may vary significantly depending on your location, driving history, and coverage level, comparing quotes from multiple insurers is the best way to find the most affordable rate for your BMW 540.
How Much Does BMW 540 Car Insurance Cost?
Typically, BMW 540 drivers secure car insurance at an average annual rate of $3,756.
While California Capital’s pricing can provide a useful starting point, it’s crucial to understand that car insurance expenses can vary significantly due to various factors. These include your location, driving history, car age, and the specific coverage options you choose. Generally, having a clean driving record results in lower premiums, but past accidents or traffic violations can increase rates.
Furthermore, urban areas typically have higher insurance costs than rural ones. The type of coverage you select also impacts your premium; comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than basic liability coverage.
At Insuranceopedia, we’re here to help you compare quotes from different insurance providers to find the most favorable deal for your situation.
Average Insurance Cost Of BMW 540 By Model Year
| Model Year | Average Premium |
| 2025 BMW 540 | $3,597 |
| 2023 BMW 540 | $3,690 |
| 2022 BMW 540 | $3,239 |
| 2021 BMW 540 | $1,758 |
| 2020 BMW 540 | $2,760 |
| 2019 BMW 540 | $1,225 |
| 2018 BMW 540 | $1,702 |
| 2017 BMW 540 | $1,748 |
2025 BMW 540 Insurance Rates
The average annual insurance cost for a 2025 BMW 540 is $3,597. However, Penn National offers the cheapest rates, averaging $2,604 per year.
| Insurance Provider | Average Annual Cost |
| Safety Group | $4,614 |
| Norfolk and Dedham Group | $4,409 |
| New Jersey Manufacturers | $3,850 |
| Penn National | $2,604 |
| National Grange Mutual | $3,587 |
| Arbella Insurance Group | $3,060 |
| Erie | $3,098 |
| New York Central Mutual Fire | $3,346 |
| Vermont Mutual | $3,805 |
2023 BMW 540 Insurance Rates
The average annual insurance cost for a 2023 BMW 540 is $3,690. However, California Capital offers the cheapest rates, averaging $2,604 per year.
| Insurance Provider | Average Annual Cost |
| Alliance United | $4,614 |
| Farmers | $4,409 |
| National General | $3,850 |
| California Capital | $2,604 |
| CSAA | $3,587 |
| Allied | $3,060 |
| USAA | $3,098 |
| Mercury | $3,346 |
| State Farm | $3,805 |
| United Automobile Ins Group | $4,525 |
2022 BMW 540 Insurance Rates
The average annual insurance cost for a 2022 BMW 540 is $3,239. However, Allied offers the cheapest rates, averaging $1,885 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,704 |
| CSAA | $3,196 |
| Travelers | $3,786 |
| Farmers | $3,716 |
| Mercury Insurance Company | $2,819 |
| Erie | $3,939 |
| New York Central Mutual Fire | $3,449 |
| New Jersey Manufacturers | $3,955 |
| USAA | $2,940 |
| Allied | $1,885 |
2021 BMW 540 Insurance Rates
The average annual insurance cost for a 2021 BMW 540 is $3,239. However, Plymouth Rock Assurance offers the cheapest rates, averaging $1,018 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,793 |
| Arbella Insurance Group | $2,007 |
| Norfolk and Dedham Group | $1,347 |
| Safety Group | $1,196 |
| Erie | $2,114 |
| Plymouth Rock Assurance | $1,018 |
| Penn National | $1,903 |
| New York Central Mutual Fire | $2,094 |
| National Grange Mutual | $2,022 |
| Vermont Mutual | $2,088 |
2020 BMW 540 Insurance Rates
The average annual insurance cost for a 2020 BMW 540 is $2,760. However, New Jersey Manufacturers offers the cheapest rates, averaging $1,944 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $3,002 |
| 21st Century | $3,077 |
| Home State Ins Group | $3,028 |
| Allied | $2,650 |
| Penn National | $2,855 |
| Erie | $2,922 |
| Nationwide | $2,963 |
| New Jersey Manufacturers | $1,944 |
| California Capital | $2,942 |
| Travelers | $2,212 |
Find Affordable BMW 540 Insurance Rates
2019 BMW 540 Insurance Rates
The average annual insurance cost for a 2019 BMW 540 is $1,225. However, Safeco offers the cheapest rates, averaging $625 per year.
| Insurance Provider | Average Annual Cost |
| Auto-Owners Insurance Co | $1,529 |
| Rural Mutual Insurance | $1,554 |
| Rockford Mutual Insurance | $1,491 |
| Pekin Insurance | $1,601 |
| Auto Club Group | $1,253 |
| Hastings Mutual Insurance Co | $656 |
| Safeco | $625 |
| Mercury Insurance | $1,027 |
| SECURA Insurance | $1,193 |
| West Bend Mutual | $1,325 |
2018 BMW 540 Insurance Rates
The average annual insurance cost for a 2018 BMW 540 is $1,702. However, Kemper Auto | Infinity offers the cheapest rates, averaging $809 per year.
| Insurance Provider | Average Annual Cost |
| Country | $1,608 |
| Kemper Auto | Infinity | $809 |
| Republic Indemnity | $2,236 |
| Texas Farm Bureau Group | $1,425 |
| Mercury Insurance | $1,510 |
| Clearcover | $1,585 |
| 21st Century | $2,466 |
| New Jersey Manufacturers | $1,957 |
| Auto-Owners Insurance Co | $1,710 |
| Kemper Auto | $1,714 |
2017 BMW 540 Insurance Rates
The average annual insurance cost for a 2017 BMW 540 is $1,748. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,040 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,766 |
| Republic Indemnity | $1,796 |
| Direct Auto | $1,812 |
| National General Value | $1,889 |
| SECURA Insurance | $1,081 |
| Chubb | $2,250 |
| Texas Farm Bureau Group | $1,040 |
| Mercury Insurance | $2,027 |
| Hastings Mutual Insurance Co | $1,896 |
| New York Central Mutual Fire | $1,921 |
Find Affordable BMW 540 Insurance Rates
Are BMW 540s Expensive To Insure?
Insuring a BMW 540 can be relatively expensive. On average, full coverage insurance for this model costs about $3,756 annually, which is approximately $679 more than the national average for luxury sedans cite turn0search3. This higher cost is attributed to factors such as the vehicle’s high-performance engine, advanced technology features, and elevated repair expenses. Additionally, the BMW 540’s classification as a luxury vehicle contributes to increased insurance premiums. However, actual insurance rates can vary based on individual factors like driving history, location, and coverage choices. To secure the best rate, it’s advisable to compare quotes from multiple insurers and consider available discounts.
Cheapest Car Insurance Companies For A BMW 540
USAA offers the lowest estimated rate, but it’s only available to military members and their families. GEICO and State Farm follow with strong nationwide coverage and consistently competitive pricing. Nationwide and Travelers also provide attractive rates, especially for drivers with clean records.
The monthly premiums are included to give a clearer picture of affordability for those budgeting on a month-to-month basis. These quotes assume a 40-year-old driver with a clean driving history and standard full coverage. However, rates can vary based on location, vehicle use, credit score, and more — so it’s crucial to compare personalized quotes to find the best deal.
| Insurance Company | Annual Premium |
| USAA | $103 |
| GEICO | $127 |
| State Farm | $121 |
| Nationwide | $136 |
| Travelers | $143 |
Common BMW 540 Insurance Discounts
Lowering your car insurance costs can be made easier through various discounts offered by auto insurance providers. Common discounts you might qualify for include:
- Multi-policy: Bundling your home and auto insurance policies with the same provider often results in a discounted rate.
- Pay annually: Paying your premium in full instead of monthly installments may lead to savings.
- Defensive driving: Completing a certified defensive driving course can make you eligible for reduced rates.
There may be additional discounts specific to your situation. Consult with your insurance agent to identify all the discounts you qualify for and maximize your savings.
Compare BMW 540 To Other BMW Models
Looking for other BMW model insurance costs?
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Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used a 40-year-old male driver purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Your individual results may vary depending on your specific profile and circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A BMW 540?
Yes, proof of insurance is required before driving your BMW 540 off the dealership lot. It’s best to purchase a policy in advance and inform your insurance provider about the car purchase, rather than relying on insurance offered through the dealership.
How Can You Get The Cheapest Insurance For Your BMW 540?
To find the cheapest rates for insuring your BMW 540, the most effective strategy is to shop around and compare quotes from various auto insurance providers. Insuranceopedia simplifies this process by enabling you to compare rates from multiple companies directly on our website.
