BMW 7 Series insurance costs change based on model year, with newer vehicles being more expensive to insure. Monthly premiums range from $52 for older models to $391 for newer BMW 7 Series.
BMW 7 Series Insurance Cost
Updated: January 30, 2026
Key Takeaways
GEICO offers the most affordable BMW 7 Series insurance on average, though full coverage costs vary widely by model year and insurer, averaging $222 monthly nationwide. The Hartford is cheaper for newer models. Read more
The BMW 7 Series ranks 141st out of 199 sedans for insurance affordability, placing it in the middle tier for its vehicle type. Sedans enjoy lower premiums than other vehicles due to better safety ratings and reduced repair costs. Read more
Getting accurate rates means checking costs for your specific BMW 7 Series model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific 7-Series model years, depending on the age of the drivers
How Much Is BMW 7 Series Insurance?
$178 | $352 | |
$168 | $333 | |
$123 | $244 | |
$139 | $272 | |
$158 | $307 | |
$136 | $266 | |
$117 | $228 | |
$146 | $287 | |
$121 | $235 | |
$122 | $237 | |
2015 | $126 | $245 |
2014 | $102 | $198 |
2013 | $102 | $197 |
2012 | $95 | $185 |
2011 | $106 | $206 |
2010 | $127 | $245 |
2009 | $107 | $207 |
2008 | $73 | $140 |
2007 | $97 | $186 |
2006 | $98 | $189 |
2005 | $92 | $177 |
2004 | $54 | $104 |
2003 | $52 | $101 |
2002 | $74 | $142 |
2001 | $97 | $187 |
2000 | $84 | $161 |
Looking for another BMW model? Read more about the cost of BMW car insurance models.
Insurance rates depend on model year and insurer. BMW 7 Series minimum coverage costs and full coverage rates vary between companies, with some insurers charging more than others for identical protection.
Rate variations demonstrate why BMW 7 Series owners need to shop around for coverage. Insurance companies calculate risk differently for each model, which directly impacts your final premium quote.
| AAA | $131 | $272 |
| AIG | $156 | $384 |
| Allstate | $146 | $282 |
| Amica | $142 | $290 |
| Chubb | $136 | $271 |
| Farmers | $163 | $286 |
| Geico | $81 | $177 |
| Kemper | $112 | $230 |
| Nationwide | $124 | $215 |
| Progressive | $117 | $219 |
| State Farm | $109 | $227 |
| The Hartford | $118 | $202 |
| Travelers | $98 | $181 |
| UAIC | $162 | $200 |
Is BMW 7 Series Expensive to Insure?
MoneyGeek's analysis of 199 sedans shows the BMW 7 Series ranking 141st for insurance affordability, meaning 140 sedans cost less to insure. It sits between the slightly cheaper Subaru WRX and the marginally pricier Infiniti Q50, with just a few dollars separating these models monthly. When determining if the 7-series is expensive to insure, this middle-tier positioning among sedans provides important context.
That's middle of the pack for sedans, but this vehicle category tends to be expensive to insure overall. Among the 827 cars in our database, the BMW 7 Series ranks 608th, placing it in the more expensive half of vehicles. The Saturn S-Series claims the most affordable sedan spot, while the Cadillac CTS-V commands the highest premiums in this category.
| Audi S5 | $165 | 138 |
| Acura TLX | $165 | 138 |
| Mitsubishi Lancer | $166 | 139 |
| Bentley Arnage | $166 | 139 |
| Subaru WRX | $166 | 140 |
| BMW 7-series | $168 | 141 |
| Infiniti Q50 | $170 | 142 |
| Mercedes CLS | $171 | 143 |
| Mercedes S-Class | $171 | 144 |
Several factors affect what you'll pay for BMW 7 Series insurance:
- Average Repair or Replacement Costs: BMW 7 Series maintenance expenses average $2,173 annually, making it BMW's second-most expensive model to maintain out of 30. These high repair costs directly translate to higher insurance premiums since insurers factor in potential claim amounts.
- Vehicle Trim, Features and Accessories: Performance capabilities vary with horsepower ranging from 335 to 621, depending on the trim you choose. High-performance variants like the M760i and Alpina B7 command higher premiums due to their extreme power output that increases accident risk.
- Driver Profile: Most BMW 7 Series owners are mature drivers with a median age of around 50 to 60 years, and their higher income levels lead to lower rates. However, the vehicle's performance reputation attracts risk-taking behaviors that still concern insurers. Read more about the costs of the BMW 7 Series for young drivers.
BMW 7 Series Insurance Cost by State
Car insurance for a BMW 7 Series costs as little as $48 per month in Wyoming or as much as $226 in Louisiana for minimum coverage. Your state's risk characteristics and insurance regulations drive these differences, not the luxury vehicle itself.
| Alabama | $98 | $186 |
| Alaska | $84 | $178 |
| Arizona | $136 | $253 |
| Arkansas | $91 | $203 |
| California | $108 | $219 |
| Colorado | $112 | $268 |
| Connecticut | $151 | $260 |
| Delaware | $152 | $255 |
| Florida | $138 | $319 |
| Georgia | $160 | $265 |
| Hawaii | $60 | $137 |
| Idaho | $62 | $125 |
| Illinois | $104 | $195 |
| Indiana | $72 | $141 |
| Iowa | $67 | $161 |
| Kansas | $84 | $195 |
| Kentucky | $139 | $236 |
| Louisiana | $226 | $480 |
| Maine | $61 | $127 |
| Maryland | $167 | $282 |
| Massachusetts | $116 | $246 |
| Michigan | $175 | $340 |
| Minnesota | $96 | $201 |
| Mississippi | $101 | $200 |
| Missouri | $139 | $276 |
| Montana | $89 | $211 |
| Nebraska | $82 | $187 |
| Nevada | $186 | $337 |
| New Hampshire | $81 | $143 |
| New Jersey | $178 | $294 |
| New Mexico | $93 | $207 |
| New York | $129 | $232 |
| North Carolina | $89 | $176 |
| North Dakota | $73 | $159 |
| Ohio | $84 | $163 |
| Oklahoma | $105 | $235 |
| Oregon | $127 | $222 |
| Pennsylvania | $101 | $237 |
| Rhode Island | $137 | $245 |
| South Carolina | $114 | $213 |
| South Dakota | $66 | $208 |
| Tennessee | $89 | $180 |
| Texas | $140 | $285 |
| Utah | $116 | $197 |
| Vermont | $55 | $131 |
| Virginia | $107 | $172 |
| Washington | $101 | $189 |
| West Virginia | $104 | $210 |
| Wisconsin | $75 | $165 |
| Wyoming | $48 | $148 |
BMW 7 Series Costs by Model Year and Insurance Company
The model year of your BMW 7 Series impacts insurance costs, along with your driver's age on your policy. A 35- to 55-year-old driver pays around $358 monthly for full coverage on a 2025 BMW 7-series, while a 2016 model costs just $255 per month. Newer models command higher premiums, and teen drivers face much steeper rates across all years.
The Hartford consistently offers the most affordable rates across newer BMW 7 Series model years, while GEICO is cheaper for older models.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 BMW 7 Series
| The Hartford | $118 | $200 |
| Kemper | $135 | $276 |
| Geico | $138 | $304 |
| National General | $142 | $292 |
| Travelers | $147 | $276 |
| Progressive | $150 | $282 |
| Nationwide | $175 | $306 |
| State Farm | $183 | $386 |
| UAIC | $188 | $239 |
| AAA | $197 | $414 |
| Chubb | $223 | $450 |
| Amica | $230 | $473 |
| Allstate | $234 | $454 |
| AIG | $234 | $592 |
| Farmers | $243 | $428 |
Cost of Car Insurance for 2024 BMW 7 Series
| The Hartford | $111 | $190 |
| Kemper | $127 | $261 |
| Geico | $131 | $288 |
| National General | $135 | $276 |
| Travelers | $139 | $261 |
| Progressive | $142 | $267 |
| Nationwide | $165 | $290 |
| State Farm | $173 | $366 |
| UAIC | $178 | $226 |
| AAA | $187 | $392 |
| Chubb | $211 | $426 |
| Amica | $218 | $447 |
| Allstate | $221 | $430 |
| AIG | $222 | $560 |
| Farmers | $230 | $405 |
Cost of Car Insurance for 2023 BMW 7 Series
| The Hartford | $81 | $139 |
| Kemper | $93 | $191 |
| Geico | $96 | $211 |
| National General | $99 | $202 |
| Travelers | $102 | $191 |
| Progressive | $104 | $196 |
| Nationwide | $121 | $212 |
| State Farm | $127 | $268 |
| UAIC | $131 | $166 |
| AAA | $137 | $287 |
| Chubb | $154 | $312 |
| Amica | $159 | $328 |
| Allstate | $162 | $315 |
| AIG | $162 | $410 |
| Farmers | $169 | $296 |
Cost of Car Insurance for 2022 BMW 7 Series
| Geico | $98 | $215 |
| National General | $111 | $227 |
| Travelers | $119 | $220 |
| Progressive | $132 | $249 |
| Kemper | $135 | $279 |
| State Farm | $141 | $297 |
| Nationwide | $142 | $248 |
| The Hartford | $150 | $256 |
| AAA | $155 | $323 |
| Chubb | $170 | $343 |
| UAIC | $174 | $219 |
| Amica | $175 | $360 |
| Allstate | $177 | $342 |
| AIG | $189 | $474 |
| Farmers | $201 | $352 |
Cost of Car Insurance for 2021 BMW 7 Series
| Geico | $106 | $233 |
| National General | $125 | $257 |
| Travelers | $136 | $251 |
| Progressive | $158 | $296 |
| State Farm | $160 | $334 |
| Nationwide | $164 | $286 |
| Kemper | $169 | $348 |
| AAA | $176 | $365 |
| Chubb | $191 | $385 |
| Amica | $196 | $403 |
| Allstate | $197 | $381 |
| The Hartford | $200 | $340 |
| UAIC | $210 | $265 |
| AIG | $217 | $543 |
| Farmers | $234 | $408 |
Cost of Car Insurance for 2020 BMW 7 Series
| Geico | $92 | $201 |
| National General | $108 | $222 |
| Travelers | $118 | $217 |
| Progressive | $136 | $256 |
| State Farm | $138 | $289 |
| Nationwide | $142 | $247 |
| Kemper | $146 | $301 |
| AAA | $152 | $316 |
| Chubb | $165 | $332 |
| Amica | $170 | $349 |
| Allstate | $170 | $329 |
| The Hartford | $173 | $294 |
| UAIC | $182 | $229 |
| AIG | $187 | $469 |
| Farmers | $202 | $353 |
Cost of Car Insurance for 2019 BMW 7 Series
| Geico | $81 | $177 |
| National General | $94 | $193 |
| Travelers | $101 | $186 |
| Progressive | $114 | $215 |
| State Farm | $118 | $246 |
| Kemper | $122 | $252 |
| Nationwide | $123 | $214 |
| AAA | $133 | $277 |
| Chubb | $140 | $282 |
| The Hartford | $141 | $240 |
| Allstate | $145 | $281 |
| Amica | $149 | $305 |
| UAIC | $153 | $192 |
| AIG | $163 | $407 |
| Farmers | $172 | $301 |
Cost of Car Insurance for 2018 BMW 7 Series
| Geico | $114 | $249 |
| Travelers | $127 | $235 |
| National General | $127 | $261 |
| Progressive | $129 | $242 |
| The Hartford | $136 | $233 |
| Kemper | $137 | $286 |
| State Farm | $145 | $304 |
| Nationwide | $162 | $281 |
| Chubb | $165 | $336 |
| UAIC | $174 | $213 |
| Allstate | $179 | $347 |
| AAA | $186 | $389 |
| Amica | $206 | $423 |
| Farmers | $212 | $372 |
| AIG | $220 | $543 |
Cost of Car Insurance for 2017 BMW 7 Series
| Geico | $96 | $210 |
| Travelers | $97 | $180 |
| National General | $101 | $207 |
| State Farm | $110 | $230 |
| Progressive | $112 | $210 |
| Kemper | $125 | $260 |
| Nationwide | $132 | $230 |
| Allstate | $139 | $270 |
| AAA | $143 | $298 |
| Chubb | $145 | $292 |
| The Hartford | $151 | $258 |
| UAIC | $161 | $198 |
| Amica | $162 | $333 |
| AIG | $180 | $446 |
| Farmers | $196 | $343 |
Cost of Car Insurance for 2016 BMW 7 Series
| National General | $88 | $181 |
| Geico | $93 | $202 |
| Travelers | $104 | $191 |
| State Farm | $121 | $253 |
| The Hartford | $125 | $214 |
| Progressive | $129 | $242 |
| Kemper | $129 | $266 |
| AAA | $133 | $276 |
| Nationwide | $134 | $232 |
| Amica | $136 | $279 |
| Chubb | $138 | $274 |
| Allstate | $150 | $290 |
| AIG | $162 | $402 |
| Farmers | $172 | $305 |
| UAIC | $176 | $220 |
BMW 7 Series Insurance Cost by Trim
BMW 7 Series insurance costs vary by trim, with high-performance variants like the 760i Xdrive reaching $391 monthly for full coverage compared to just $65 for minimum coverage on basic 745i Sedan 4d models. Performance features and market value create this substantial cost difference between trim levels.
| 745i Sedan 4d | $65 | $126 |
| 745li Sedan 4d | $67 | $129 |
| 760i Sedan 4d | $80 | $154 |
| 740il Sedan 4d | $85 | $164 |
| 740li Sedan 4d | $87 | $168 |
| 750li Xdrive Sedan 4d | $88 | $170 |
| 740li Xdrive Sedan 4d | $92 | $178 |
| 750li Sedan 4d | $93 | $180 |
| 750i Activehybrid Sedan 4d | $94 | $182 |
| 750i Sedan 4d | $96 | $186 |
| 750li Activehybrid Sedan 4d | $98 | $189 |
| 740i Sedan 4d | $99 | $193 |
| 740e Xdrive Sedan 4d | $105 | $204 |
| 750il Sedan 4d | $106 | $205 |
| 750i Xdrive Sedan 4d | $112 | $218 |
| 760li Sedan 4d | $119 | $230 |
| Activehybrid 7 Sedan 4d | $121 | $234 |
| 740ld Xdrive Sedan 4d | $121 | $235 |
| 740i Xdrive Sedan 4d | $122 | $239 |
| 760i Xdrive Sedan 4d | $131 | $260 |
| 745e Xdrive Sedan 4d | $132 | $258 |
| Alpina B7 Sedan 4d | $141 | $274 |
| Alpina B7 Xdrive Sedan 4d | $144 | $280 |
| 740i | $157 | $311 |
| 740i Xdrive | $162 | $322 |
| 750e Xdrive | $174 | $345 |
| Alpina B7 Xdrive Sedan 4d | $178 | $347 |
| M760i Xdrive Sedan 4d | $180 | $352 |
| 760i Xdrive | $197 | $391 |
How to Lower the Cost of BMW 7 Series Insurance
We provide you with tips on how to save on BMW 7 Series car insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your BMW 7 Series based on ownership status. Own it outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for luxury sedans like your BMW 7 Series. This benchmark assists with shopping among the cheapest car insurance companies offering competitive rates. Understanding typical costs for high-end vehicles helps you spot genuine deals versus inflated quotes when comparing insurers.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget options could provide limited coverage or slower claims service when you need it most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your BMW 7 Series situation. Luxury sedan owners qualify for safety features discounts, anti-theft device savings, bundling discounts when combining auto and home policies, and good driver rewards.
- 5Consider alternative car insurance types
BMW 7 Series owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These telematics options track safe driving habits and deliver premium reductions based on your actual driving behavior.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure competitive pricing. Your current insurer doesn't notify you when competitors lower their rates, so regular shopping could save up to 24% on your BMW 7 Series insurance.
BMW 7 Series Insurance Cost: Bottom Line
BMW 7 Series insurance costs more than average, but you can still secure decent rates. Compare quotes from multiple insurers and maximize available discounts to find affordable coverage that fits your budget.
BMW 7 Series Insurance Rates: FAQ
What is the average cost of car insurance for a BMW 7 Series?
BMW 7 Series insurance costs $1,369 annually for state minimum coverage and $2,664 for full coverage. This translates to monthly premiums of $114 and $222, respectively.
What company has the cheapest car insurance for a BMW 7 Series?
GEICO provides the most affordable minimum coverage, on average, at $976 annually. The insurer also offers the best value for full coverage at $2,128 per year. The Hartford is more affordable for newer models.
Are BMW 7 Series expensive to insure?
Yes, BMW 7 Series insurance costs more than most vehicles to insure. Among sedans specifically, this model ranks 141st out of 199 for affordability, placing it in the more expensive half within its category.
What factors affect insurance costs for BMW 7 Series?
Multiple factors increase insurance costs. Luxury parts and advanced technology make repairs expensive, while high market value and elevated theft rates concern insurers. Your driving record, credit score and coverage selection also impact your premium rates.
How can I lower BMW 7 Series insurance costs?
Compare quotes from multiple insurers, as pricing varies between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with other policies, and maintain a clean driving record to secure better rates.
How We Determined BMW 7 Series Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate BMW 7 Series insurance costs.
Who We Based These Rates On
These BMW 7 Series rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.