BMW X7 Insurance Cost

Auto insurance for a BMW X7 will cost about $3,036 per year.

This is more than the national average for luxury SUV models by $969. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW X7. Visit our Competitive Quote Tool to see if you can find lower rates for a X7.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These BMW X7 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

BMW X7 insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $10,284 $15,318 $18,107
18 $9,584 $14,275 $16,874
19 $8,469 $12,615 $14,912
20 $7,385 $11,000 $13,003
21 $6,193 $9,224 $10,904
22 $6,031 $8,984 $10,620
23 $5,277 $7,861 $9,292
24 $5,014 $7,468 $8,828
25 $4,327 $6,445 $7,618
30 $3,370 $5,020 $5,934
35 $3,157 $4,702 $5,558
40 $3,036 $4,522 $5,345
45 $2,954 $4,400 $5,202
55 $2,709 $4,036 $4,771
65 $2,826 $4,210 $4,976
75 $3,567 $5,313 $6,281

BMW X7 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW X7 by state.

BMW X7 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $3,217 $4,506 $5,639
Alaska $2,661 $3,875 $4,060
Arizona $3,008 $4,666 $6,653
Arkansas $3,298 $4,995 $5,588
California $3,672 $6,422 $3,672
Colorado $3,427 $4,744 $5,917
Connecticut $4,378 $6,768 $8,669
Delaware $3,624 $4,990 $6,625
Florida $4,315 $5,861 $7,641
Georgia $3,518 $5,422 $5,563
Hawaii $1,405 $1,940 $1,405
Idaho $2,441 $3,286 $4,091
Illinois $2,556 $3,777 $4,381
Indiana $2,625 $4,103 $4,788
Iowa $2,080 $3,119 $3,635
Kansas $2,767 $4,073 $4,825
Kentucky $3,999 $6,016 $7,075
Louisiana $5,134 $7,847 $8,448
Maine $1,941 $2,604 $3,800
Maryland $3,142 $4,607 $5,440
Massachusetts $2,519 $4,261 $2,519
Michigan $6,080 $9,141 $14,054
Minnesota $2,503 $3,362 $4,977
Mississippi $3,021 $4,564 $4,821
Missouri $2,847 $3,921 $5,071
Montana $2,894 $4,529 $4,995
Nebraska $2,447 $3,464 $3,940
Nevada $4,036 $6,092 $6,683
New Hampshire $2,807 $4,525 $5,762
New Jersey $3,093 $4,876 $6,290
New Mexico $3,159 $4,545 $5,104
New York $2,926 $3,810 $6,150
North Carolina $1,814 $2,928 $2,256
North Dakota $2,482 $3,820 $4,850
Ohio $2,213 $3,619 $3,749
Oklahoma $3,534 $5,306 $6,018
Oregon $3,216 $4,857 $5,572
Pennsylvania $2,709 $4,096 $4,701
Rhode Island $4,522 $6,939 $7,937
South Carolina $3,071 $4,445 $6,342
South Dakota $2,755 $3,791 $4,548
Tennessee $3,241 $4,847 $6,116
Texas $3,264 $4,803 $6,029
Utah $2,776 $4,014 $5,536
Vermont $2,137 $3,417 $3,735
Virginia $2,013 $3,031 $3,221
Washington $2,665 $4,004 $4,721
West Virginia $2,682 $3,905 $4,822
Wisconsin $2,673 $3,902 $4,739
Wyoming $2,496 $3,667 $4,100

Other Important Costs of Owning a BMW X7

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on BMW X7 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.