BMW 7 Series Insurance Cost
Full coverage for a BMW 7 Series costs about $3,710 a year ($309/month) by our estimate — ▲ +133% versus the average vehicle, ranking 301st cheapest of 310 current models.
BMW 7 Series insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the BMW 7 Series.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $850 | $71 | $700–$1,005 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,235 | $103 | $1,015–$1,460 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $3,710 | $309 | $3,040–$4,375 |
What drives the cost of insuring a BMW 7 Series
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The BMW 7 Series's results put our vehicle factor at 1.39× for liability, 3.65× for collision and 3.27× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 405 | Much worse than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 363 | Much worse than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 166 | Much worse than average | Damage this car does to other vehicles and property |
HLDI results by body style / drivetrain (2)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| BMW 7 series 4dr | 405 | 363 | 166 | — |
| BMW 7 series 4dr 4WD | 343 | 443 | 139 | — |
- Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
- Recalls & complaints: 5 NHTSA recall campaigns and 2 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
BMW 7 Series trims and configurations (2027)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| 740 Sedan | RWD | 3.0L 6-cyl Turbo Hybrid | 26 |
| 740 xDrive Sedan | AWD | 3.0L 6-cyl Turbo Hybrid | 26 |
BMW 7 Series insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2027 | 3.0L 6-cyl Turbo Hybrid | AWD, RWD | 26 | $3,710 |
| 2026 | 3.0L 6-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo Hybrid | AWD, RWD | 20–28 | $3,600 |
| 2025 | 3.0L 6-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo Hybrid | AWD, RWD | 20–28 | $3,485 |
| 2024 | 3.0L 6-cyl Turbo Hybrid, 4.4L 8-cyl Turbo Hybrid | AWD, RWD | 20–28 | $3,375 |
| 2023 | 3.0L 6-cyl Turbo Hybrid, 4.4L 8-cyl Turbo Hybrid | AWD, RWD | 21–27 | $3,265 |
| 2022 | 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo | AWD, RWD | 16–25 | $3,150 |
| 2021 | 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo | AWD, RWD | 16–25 | $3,040 |
| 2020 | 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Plug-in Hybrid, 4.4L 8-cyl Turbo | AWD, RWD | 16–24 | $2,930 |
| 2019 | 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo, 4.4L 8-cyl Turbo | AWD, RWD | 16–27 | $2,820 |
| 2018 | 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo, 4.4L 8-cyl Turbo | AWD, RWD | 16–27 | $2,705 |
| 2017 | 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo, 4.4L 8-cyl Turbo | AWD, RWD | 16–27 | $2,595 |
| 2016 | 3.0L 6-cyl Turbo, 4.4L 8-cyl Turbo | AWD, RWD | 19–24 | $2,485 |
| 2015 | 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel, 3.0L 6-cyl Turbo Hybrid | AWD, RWD | 15–26 | $2,470 |
| 2014 | 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid, 4.4L 8-cyl Turbo | AWD, RWD | 15–25 | $2,470 |
| 2013 | 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Hybrid, 4.4L 8-cyl Turbo | AWD, RWD | 15–25 | $2,470 |
| 2012 | 3.0L 6-cyl Turbo, 4.4L 8-cyl Turbo, 4.4L 8-cyl Turbo Hybrid | AWD, RWD | 15–20 | $2,470 |
| 2011 | 3.0L 6-cyl Turbo, 4.4L 8-cyl Turbo, 4.4L 8-cyl Turbo Hybrid | AWD, RWD | 15–20 | $2,470 |
| 2010 | 4.4L 8-cyl Turbo, 6.0L 12-cyl Turbo | AWD, RWD | 15–17 | $2,470 |
| 2009 | 4.4L 8-cyl Turbo | RWD | 17 | $2,470 |
| 2008 | 4.4L 8-cyl Supercharged, 4.8L 8-cyl, 6.0L 12-cyl | RWD | 15–18 | $2,470 |
BMW 7 Series insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the 7 Series page for that state.
BMW 7 Series insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,345 | $3,400 | $10,200 | $850 |
| Young adult (22) | $1,365 | $1,975 | $5,935 | $495 |
| Adult in their 30s | $850 | $1,235 | $3,710 | $309 |
| Adult in their 50s | $785 | $1,135 | $3,410 | $284 |
| Senior (72) | $955 | $1,385 | $4,155 | $346 |
| 30s, one at-fault accident | $1,235 | $1,790 | $5,380 | $448 |
| 30s, DUI on record | $1,575 | $2,285 | $6,860 | $572 |
BMW 7 Series vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| BMW 7 Series | $3,710 | 405 | 363 | — |
| Infiniti Q50 | $2,135 | 167 | 277 | Compare |
| Mercedes-Benz S-Class | $3,045 | 271 | 418 | Compare |
| Audi RS 7 | $2,445 | 243 | 270 | Compare |
Estimate BMW 7 Series insurance for your ZIP code
Runs in your browser — nothing you enter is stored or sent to insurers.
Other BMW models
- 2 Series $1,630/yr
- 4 Series $1,670/yr
- 5 Series $1,490/yr
- i5 $2,085/yr
- i7 $2,795/yr
- iX3 $1,895/yr
- M2 $2,260/yr
- M3 $4,190/yr
- M4 $4,260/yr
- M5 $1,820/yr
- X1 $1,560/yr
- X2 $1,805/yr
- X5 $1,690/yr
- X6 $2,305/yr
- X7 $1,915/yr
- 3 Series $1,880/yr
- 8 Series $2,610/yr
- i4 $1,920/yr
- iX $2,310/yr
- X3 $1,565/yr
- XM $2,985/yr
- Z4 $1,320/yr
- M8 $3,945/yr
- X4 $1,745/yr
- i3 $1,565/yr
- i8 $1,810/yr
- 6 Series $1,480/yr
- M6 $1,755/yr
- 1 Series $1,580/yr
- ActiveE $1,390/yr
Frequently asked questions
How much is insurance for a BMW 7 Series?
We estimate about $3,710 a year ($309 a month) for full coverage and $850 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2.3 times the average vehicle.
Is the BMW 7 Series expensive to insure?
HLDI insurance-loss data rates it at 405 for collision and 363 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.
Which state is cheapest to insure a BMW 7 Series?
Maine has the lowest estimate (about $2,480 a year for full coverage) and Louisiana the highest (about $5,025).
Is the BMW 7 Series cheaper to insure than the Infiniti Q50?
By our estimate the BMW 7 Series costs about $3,710 a year versus $2,320 for the Infiniti Q50, making the Infiniti Q50 cheaper to insure.
How much is BMW 7 Series insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $10,200 a year at national-average rates by our estimate.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.