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BMW 540xd Car Insurance Cost

Acquiring insurance for a BMW 540xd generally costs around $1923 per year with Mercury. However, this expense can vary depending on factors such as your age, the model year of the car, and other relevant considerations. You can utilize the quote tables below to estimate the specific cost tailored to your circumstances.

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Updated: 26 May 2024

Written by Bob Phillips

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If you’re considering purchasing a BMW 540xd, it’s important to factor in the cost of insurance. Insurance plays a significant role in car ownership, and understanding its financial implications is essential before making a decision.

Selecting the right car insurance is crucial to avoid unexpected and potentially costly surprises down the road. Adequate coverage in case of an accident is important to prevent substantial out-of-pocket expenses. Moreover, being found at fault in an accident can lead to higher premiums.

With more than ten years of experience analyzing car insurance rates, I’ve noticed how much these expenses can vary. Factors such as your age, driving history, and location all play significant roles in determining your insurance premiums.

How Much Does BMW 540xd Car Insurance Cost?

Normally, Mercury offers the most competitive option, with an annual cost of about $1923 for comprehensive insurance coverage on a 2020 BMW 540xd.

While Mercury’s pricing can serve as a useful benchmark, it’s crucial to understand that car insurance expenses can vary significantly due to various factors. These factors include your location, driving record, car age, and the specific coverage options you choose. Generally, having a clean driving history results in lower premiums, whereas past accidents or traffic violations can increase rates.

Additionally, urban areas typically have higher insurance costs compared to rural areas. 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 committed to helping you shop around and compare quotes from different insurance providers to ensure you find the most favorable deal for your needs.

2020 BMW 540xd Insurance Rates

Insurance Provider	Average Annual Cost
Mercury	$1,923
Safeco	$2,021
Travelers	$3,161
Nationwide	$4,393
Auto-Owners Insurance Co	$4,891
State Farm	$5,314
Unitrin	$5,353
Metropolitan	$5,716
Erie	$5,759
Tower Insurance Company of New York	$5,781

2019 BMW 540xd Insurance Rates

Insurance Provider	Average Annual Cost
Pekin Insurance	$1,110
Virginia Farm Bureau	$1,273
SECURA Insurance	$1,474
Titan	$1,482
Hastings Mutual Insurance Co	$1,532
Rockford Mutual Insurance	$1,641
Country	$1,702
First Chicago Insurance	$1,693
Cincinnati Insurance	$1,802
Penn National	$1,843

2018 BMW 540xd Insurance Rates

Insurance Provider	Average Annual Cost
SECURA Insurance	$1,061
Hastings Mutual Insurance Co	$1,568
New Jersey Manufacturers	$1,728
Concord Group	$1,753
Wolverine Mutual	$1,796
Countryway Insurance	$2,018
MMG Insurance Company	$2,196
MEEMIC Insurance Company	$2,427
Pioneer State Mutual Ins Co	$2,640
Farm Bureau Ins of MI	$2,679

Compare BMW 540xd To Other BMW Models

FAQs

Who has the cheapest car insurance for a BMW 540xd?

In 2020, Mercury provides the cheapest car insurance rates for the BMW 540xd.

Which company offers the best car insurance for a BMW 540xd?

We believe that Mercury offers the top car insurance choice for a BMW 540xd because of its low prices, comprehensive coverage, and outstanding customer service ratings.