BMW X7 Car Insurance Cost 2025
The average annual cost for insuring a BMW X7 is $4,938. However, the actual premium you’ll pay can differ depending on factors like your age, the model year of the car, and other variables. You can use our quote tables below to get an estimate tailored to your specific situation.
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If you’re thinking about buying a BMW X7, one crucial factor to consider is the cost of insurance. Insurance is a big part of owning a car, and it’s essential to understand what you’re signing up for before you commit. On average, insurance for a BMW X7 costs $4,938 per year.
Choosing the right car insurance is vital to avoid unexpected and potentially high expenses in the future. It’s essential to have adequate coverage in case of an accident, as insufficient coverage could leave you with significant out-of-pocket costs. Additionally, if you’re deemed at fault in an accident, your premiums could increase.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as your age, driving history, and location can have a significant impact on your insurance premiums. Therefore, it’s crucial to research and compare insurance options carefully.
How Much Does A BMW X7 Car Insurance Cost?
On average, BMW X7 drivers can expect to pay around $4,938 per year for car insurance.
It’s important to understand that car insurance costs can vary widely based on several factors. These include your location, driving history, the model year of your car, and the type of coverage you choose. A clean driving record can help lower your premiums, while a history of accidents or violations may lead to higher rates.
Living in an urban area with heavy traffic typically results in higher insurance premiums compared to rural areas with less congestion. The type of coverage you select also plays a role in your premium—comprehensive coverage, which includes both comprehensive and collision, is usually more expensive than basic liability coverage.
As shown in the table below, insurance for a BMW X7 is less expensive than the average cost for all BMW models, but still cheaper than the overall average for all cars.
Insuranceopedia is here to help you compare quotes from different auto insurance providers, ensuring you find the best deal for your specific needs.
| Vehicle | Average Monthly Premium |
| BMW X7 | $165 |
| All BMWs | $206 |
| All Cars | $175 |
Average Insurance Cost Of BMW X7 By Model Year
| Model Year | Average Premium |
| 2024 BMW X7 | $3,547 |
| 2023 BMW X7 | $3,960 |
| 2022 BMW X7 | $2,115 |
| 2021 BMW X7 | $1,422 |
| 2020 BMW X7 | $1,637 |
| 2019 BMW X7 | $2,259 |
2024 BMW X7 Insurance Rates
The average annual insurance cost for a 2024 BMW X7 is $3,547. However, New York Central Mutual Fire offers the cheapest rates, averaging $2,317 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $5,032 |
| Mercury | $4,020 |
| California Capital | $2,612 |
| CSAA | $4,136 |
| Erie | $2,995 |
| Travelers | $2,798 |
| New York Central Mutual Fire | $2,317 |
| USAA | $2,891 |
| Bristol West | $3,847 |
| Farmers | $4,825 |
2023 BMW X7 Insurance Rates
The average annual insurance cost for a 2023 BMW X7 is $3,960. However, California Capital offers the cheapest rates, averaging $2,291 per year.
| Insurance Provider | Average Annual Cost |
| Direct General Insurance | $4,519 |
| Allied | $3,133 |
| New York Central Mutual Fire | $5,274 |
| California Capital | $2,291 |
| Grange | $5,261 |
| 21st Century | $4,846 |
| Unitrin | $3,180 |
| Mercury | $3,350 |
| CSAA | $3,398 |
| Bristol West | $4,351 |
2022 BMW X7 Insurance Rates
The average annual insurance cost for a 2022 BMW X7 is $2,115. However, American National P offers the cheapest rates, averaging $596 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $596 |
| Farmers | $2,912 |
| National Grange Mutual | $2,460 |
| Grange Mutual | $2,728 |
| Texas Farm Bureau Group | $1,523 |
| Auto-Owners Insurance Co | $2,786 |
| California Capital | $2,290 |
| Southern Farm Bureau | $1,701 |
| Penn National | $1,737 |
| Mercury | $2,415 |
2021 BMW X7 Insurance Rates
The average annual insurance cost for a 2021 BMW X7 is $1,422. However, Safeco offers the cheapest rates, averaging $859 per year.
| Insurance Provider | Average Annual Cost |
| Grange Mutual | $1,486 |
| Virginia Farm Bureau | $1,470 |
| New Jersey Manufacturers | $1,573 |
| Direct Auto | $1,418 |
| Hastings Mutual Insurance Co | $1,536 |
| Texas Farm Bureau Group | $1,054 |
| Buckeye Insurance Group | $1,426 |
| California Capital | $1,994 |
| Penn National | $1,403 |
| Safeco | $859 |
2020 BMW X7 Insurance Rates
The average annual insurance cost for a 2020 BMW X7 is $1,637. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $871 per year.
| Insurance Provider | Average Annual Cost |
| Rural Mutual Insurance | $1,608 |
| Rockford Mutual Insurance | $1,840 |
| American Family | $1,655 |
| SECURA Insurance | $1,489 |
| Hastings Mutual Insurance Co | $871 |
| Auto-Owners Insurance Co | $1,955 |
| California Capital | $2,044 |
| West Bend Mutual | $1,710 |
| Pekin Insurance | $1,679 |
| Auto Club Group | $1,523 |
2019 BMW X7 Insurance Rates
The average annual insurance cost for a 2019 BMW X7 is $2,259. However, SECURA Insurance offers the cheapest rates, averaging $1,385 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Ins of MI | $2,345 |
| Hastings Mutual Insurance Co | $1,976 |
| Mercury | $2,147 |
| Auto-Owners Insurance Co | $2,508 |
| Wolverine Mutual | $2,088 |
| California Capital | $2,208 |
| CSAA | $2,782 |
| MEEMIC Insurance Company | $2,703 |
| SECURA Insurance | $1,385 |
| 21st Century | $2,449 |
Find Affordable BMW X7 Insurance Rates
Is A BMW X7 Expensive To Insure?
Insuring a BMW X7 is typically cheaper than the average cost for all cars. However, the exact premium you’ll pay depends on several factors, including your age, the age of your car, your location, and other considerations.
BMW X7 Car Insurance By Age
Age is a key factor in determining insurance rates for any vehicle. Teenagers usually face the highest premiums because they are statistically more likely to be involved in accidents. As you age, your premiums typically decrease, as you are considered a lower risk by insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $16,660 | $24,558 | $28,713 |
| 18 | $15,534 | $22,912 | $26,711 |
| 19 | $13,766 | $20,191 | $23,611 |
| 20 | $11,998 | $17,664 | $20,585 |
| 21 | $10,037 | $14,738 | $17,300 |
| 22 | $9,794 | $14,437 | $16,880 |
| 23 | $8,562 | $12,562 | $14,740 |
| 24 | $8,182 | $11,915 | $14,033 |
| 25 | $7,005 | $10,281 | $12,033 |
| 30 | $5,501 | $8,017 | $9,363 |
| 35 | $5,113 | $7,508 | $8,818 |
| 40 | $4,951 | $7,254 | $8,442 |
| 45 | $4,756 | $7,071 | $8,246 |
| 55 | $4,417 | $6,463 | $7,591 |
| 65 | $4,625 | $6,713 | $7,892 |
| 75 | $5,829 | $8,540 | $9,984 |
BMW X7 Car Insurance Rates By State
Your location has a significant impact on how insurance companies calculate your rates. Each state has its own regulations for auto insurance. For instance, drivers in Michigan often pay higher premiums due to the state’s requirement for higher coverage levels. Additionally, the climate in different regions can affect rates, as areas prone to extreme weather like hurricanes, storms, and flooding generally have higher premiums.
Each location also has its own crime and accident statistics, such as rates of car thefts, crashes, and vehicle fatalities. Insurance companies take all of these factors into account when determining your BMW X7 insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $5,210 | $7,639 | $9,696 |
| Alaska | $4,274 | $5,980 | $5,782 |
| Arizona | $4,937 | $7,084 | $10,417 |
| Arkansas | $5,331 | $8,452 | $9,253 |
| California | $5,931 | $10,561 | $5,985 |
| Colorado | $5,544 | $7,784 | $9,918 |
| Connecticut | $7,148 | $11,060 | $14,013 |
| Delaware | $5,864 | $7,818 | $10,117 |
| Florida | $7,036 | $9,683 | $12,665 |
| Georgia | $5,743 | $8,520 | $8,648 |
| Hawaii | $2,254 | $3,077 | $2,311 |
| Idaho | $3,985 | $5,228 | $6,391 |
| Illinois | $4,105 | $6,239 | $7,137 |
| Indiana | $4,285 | $6,507 | $7,357 |
| Iowa | $3,363 | $4,647 | $5,443 |
| Kansas | $4,471 | $6,570 | $7,642 |
| Kentucky | $6,488 | $9,489 | $11,297 |
| Louisiana | $8,346 | $12,572 | $13,699 |
| Maine | $3,110 | $4,326 | $6,400 |
| Maryland | $5,099 | $7,400 | $8,283 |
| Massachusetts | $4,132 | $7,141 | $4,120 |
| Michigan | $9,848 | $15,008 | $23,770 |
| Minnesota | $4,037 | $5,463 | $7,652 |
| Mississippi | $4,918 | $6,987 | $7,044 |
| Missouri | $4,644 | $6,609 | $8,732 |
| Montana | $4,731 | $6,523 | $7,613 |
| Nebraska | $4,024 | $5,926 | $6,429 |
| Nevada | $6,517 | $9,745 | $10,257 |
| New Hampshire | $4,591 | $7,215 | $9,092 |
| New Jersey | $5,063 | $7,916 | $10,282 |
| New Mexico | $5,150 | $7,634 | $7,883 |
| New York | $4,770 | $5,989 | $9,974 |
| North Carolina | $2,950 | $5,053 | $3,616 |
| North Dakota | $4,012 | $6,108 | $7,229 |
| Ohio | $3,561 | $5,582 | $5,640 |
| Oklahoma | $5,792 | $8,200 | $9,276 |
| Oregon | $5,275 | $6,981 | $8,363 |
| Pennsylvania | $4,378 | $6,438 | $7,598 |
| Rhode Island | $7,389 | $10,760 | $12,096 |
| South Carolina | $4,995 | $6,888 | $9,592 |
| South Dakota | $4,512 | $6,410 | $7,465 |
| Tennessee | $5,315 | $7,775 | $10,352 |
| Texas | $5,336 | $7,685 | $9,522 |
| Utah | $4,474 | $6,361 | $8,683 |
| Vermont | $3,437 | $5,370 | $5,664 |
| Virginia | $3,318 | $4,999 | $4,954 |
| Washington | $4,359 | $5,832 | $7,058 |
| West Virginia | $4,396 | $6,196 | $7,842 |
| Wisconsin | $4,362 | $6,753 | $7,755 |
| Wyoming | $4,076 | $5,691 | $6,006 |
Find Affordable BMW X7 Insurance Rates
Common BMW X7 Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each insurer offers its own set of discounts, here are some common ones you may qualify for:
- Multi-policy: Bundling your home and auto insurance with the same provider often results in a discounted rate.
- Pay annually: If you pay your premium in full upfront instead of in monthly installments, you may receive a discount.
- Defensive driving: Completing a defensive driving course from a certified provider can make you eligible for reduced rates.
There may be additional discounts available as well. It’s a good idea to consult with your insurance agent, who can help you identify the discounts you qualify for.
Ways To Save On BMW X7 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your BMW X7 insurance costs low. A speeding ticket or being involved in an accident can increase your premiums. BMW X7 drivers with a ticket on their record can expect to pay about $177 per month, while those with multiple accidents typically pay an average of $67 per month. By avoiding these incidents, you can help keep your rates down.
Additionally, drivers with lower annual mileage usually pay less for insurance since they are on the road less frequently and have fewer chances of being involved in accidents. BMW X7 owners who drive between 7,000 and 10,000 miles per year can expect to pay around $67 per month for insurance.
Compare BMW X7 To Other BMW Models
Looking for other BMW model insurance costs?
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
- BMW Z4 Car Insurance
- BMW X6 Car Insurance
- BMW X2 Car Insurance
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430i Car Insurance
- BMW 430xi Car Insurance
- BMW 440xi Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, the figures in this guide may vary from your own personal results.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW X7?
Yes, you will need to show proof of insurance before you can drive your BMW X7 off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company that you are about to buy the car, rather than relying on the dealership to arrange the insurance for you.
How Can You Get The Cheapest Insurance For Your BMW X7?
The most effective way to find the lowest rates for your BMW X7 is by shopping around and comparing quotes from various auto insurance providers. Luckily, Insuranceopedia makes it easy to compare quotes from multiple companies directly on our website.
