BMW X7 insurance costs vary substantially by model year, with monthly premiums ranging from $515 for 2026 models down to $112 for older vehicles. Newer X7s cost more to insure due to their higher market values.
BMW X7 Insurance Cost
Updated: January 19, 2026
Key Takeaways
GEICO offers the most affordable minimum coverage at $119 monthly, and Travelers provides the best full coverage rates at $244 monthly. Progressive offers the cheapest rates across all model years and could save you hundreds monthly. Read more
The X7 ranks 217th out of 256 SUVs for insurance affordability, meaning only 39 SUVs cost less to insure. Its ranking of 754th out of 827 total vehicles puts it among the top 10% most expensive models to insure. Read more
Insurance costs vary significantly by model year. Young drivers in their teens and early twenties have even higher premiums across all model years. Read more
How Much Is BMW X7 Insurance?
Looking for another BMW model? Read more about the cost of BMW car insurance models.
Costs vary by model year and company. BMW X7 minimum coverage ranges from $119 monthly with GEICO to $297 with Farmers, while full coverage spans $244 with Travelers to $547 with AIG.
Rate variations exceeding $178 for minimum coverage and $303 for full coverage demonstrate why BMW X7 owners need to shop around. Companies calculate risk differently for each model, which affects your final quote.
| AAA | $178 | $370 |
| AIG | $218 | $547 |
| Allstate | $210 | $406 |
| Amica | $195 | $401 |
| Chubb | $215 | $431 |
| Farmers | $297 | $531 |
| Geico | $119 | $261 |
| Kemper | $156 | $320 |
| Nationwide | $150 | $262 |
| Progressive | $132 | $247 |
| State Farm | $149 | $313 |
| The Hartford | $146 | $249 |
| Travelers | $131 | $244 |
| UAIC | $221 | $281 |
Is BMW X7 Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the BMW X7 ranking 217th for insurance affordability, meaning 39 vehicles cost less to insure. It's positioned just a few dollars per month pricier than a Polestar 3 and slightly cheaper than a Rolls Royce Cullinan. This middle-tier placement among SUVs provides helpful context for luxury shoppers.
SUVs are expensive to insure though, and the X7's overall ranking of 754th out of 827 total vehicles puts it among the top 10% most expensive models. The cheapest SUV to insure is an Isuzu Amigo, while the Audi SQ8 e-tron commands the highest premiums.
| Lotus Eletre | $229 | 214 |
| Maserati Grecale | $234 | 215 |
| Polestar 3 | $243 | 216 |
| BMW X7 | $243 | 217 |
| Rolls Royce Cullinan | $261 | 218 |
| Ferrari Purosangue | $261 | 219 |
| Maserati Levante | $262 | 220 |
Several factors affect what you'll pay for BMW X7 insurance:
- Average Repair or Replacement Costs: The BMW X7 ranks as BMW's second most expensive model to maintain, with repair costs averaging $2,363 annually. This luxury SUV's premium components drive up both maintenance and insurance expenses.
- Vehicle Trim, Features and Accessories: With horsepower ranging from 335 to 617, depending on the trim, the X7's performance capabilities directly impact premiums. High-performance variants like the M60 and Alpina XB7 cost substantially more to insure due to extreme power output.
- Driver Profile: Most BMW X7 drivers fall between 35 and 55 years old with higher incomes, which reduces rates. However, the X7's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of BMW X7s for young drivers.
BMW X7 Insurance Cost by State
BMW X7 minimum coverage costs range from $71 monthly in Wyoming to $310 in Louisiana, showing how location affects your rates. These state differences reflect local risk characteristics and insurance regulations rather than anything specific about the vehicle model itself.
| Alabama | $156 | $298 |
| Alaska | $113 | $242 |
| Arizona | $199 | $374 |
| Arkansas | $151 | $333 |
| California | $149 | $302 |
| Colorado | $169 | $401 |
| Connecticut | $201 | $348 |
| Delaware | $198 | $333 |
| Florida | $166 | $388 |
| Georgia | $212 | $351 |
| Hawaii | $79 | $180 |
| Idaho | $93 | $191 |
| Illinois | $150 | $283 |
| Indiana | $116 | $224 |
| Iowa | $112 | $267 |
| Kansas | $137 | $320 |
| Kentucky | $198 | $338 |
| Louisiana | $310 | $648 |
| Maine | $91 | $189 |
| Maryland | $232 | $393 |
| Massachusetts | $157 | $335 |
| Michigan | $253 | $492 |
| Minnesota | $142 | $300 |
| Mississippi | $154 | $304 |
| Missouri | $214 | $422 |
| Montana | $153 | $368 |
| Nebraska | $121 | $276 |
| Nevada | $250 | $451 |
| New Hampshire | $115 | $205 |
| New Jersey | $237 | $391 |
| New Mexico | $145 | $322 |
| New York | $175 | $317 |
| North Carolina | $133 | $262 |
| North Dakota | $117 | $257 |
| Ohio | $128 | $251 |
| Oklahoma | $171 | $376 |
| Oregon | $173 | $302 |
| Pennsylvania | $152 | $355 |
| Rhode Island | $191 | $341 |
| South Carolina | $150 | $282 |
| South Dakota | $117 | $357 |
| Tennessee | $134 | $274 |
| Texas | $193 | $394 |
| Utah | $166 | $285 |
| Vermont | $85 | $202 |
| Virginia | $152 | $245 |
| Washington | $146 | $271 |
| West Virginia | $150 | $306 |
| Wisconsin | $118 | $262 |
| Wyoming | $71 | $220 |
BMW X7 Costs by Model Year and Insurance Company
A 2019 BMW X7 costs about $235 monthly to insure for drivers aged 35 to 55, while a 2026 model jumps to $381 per month for the same coverage. Your BMW X7's model year and driver ages on your policy create differences in insurance costs. Newer vehicles command higher premiums, and young drivers in their teens and early twenties face even steeper rates across all model years.
Multiple insurers compete for the best rates depending on model year. GEICO, Travelers and The Hartford consistently offer competitive pricing across BMW X7 model years.
Older models (2019 to 2020):
Cost of Car Insurance for 2025 BMW X7
| Geico | $130 | $286 |
| Progressive | $132 | $247 |
| Travelers | $139 | $259 |
| The Hartford | $142 | $241 |
| Nationwide | $146 | $254 |
| Kemper | $147 | $302 |
| National General | $148 | $302 |
| State Farm | $149 | $315 |
| AAA | $187 | $390 |
| Amica | $210 | $432 |
| UAIC | $227 | $289 |
| AIG | $228 | $572 |
| Allstate | $232 | $448 |
| Chubb | $238 | $478 |
| Farmers | $326 | $583 |
Cost of Car Insurance for 2024 BMW X7
| Geico | $125 | $276 |
| Progressive | $127 | $238 |
| Travelers | $134 | $249 |
| The Hartford | $136 | $232 |
| Nationwide | $140 | $245 |
| Kemper | $142 | $291 |
| National General | $142 | $291 |
| State Farm | $144 | $303 |
| AAA | $180 | $375 |
| Amica | $203 | $416 |
| UAIC | $218 | $279 |
| AIG | $220 | $551 |
| Allstate | $223 | $432 |
| Chubb | $229 | $460 |
| Farmers | $314 | $562 |
Cost of Car Insurance for 2023 BMW X7
| Geico | $99 | $219 |
| Progressive | $101 | $188 |
| Travelers | $106 | $197 |
| The Hartford | $108 | $184 |
| Nationwide | $111 | $194 |
| Kemper | $112 | $231 |
| National General | $113 | $231 |
| State Farm | $114 | $241 |
| AAA | $143 | $297 |
| Amica | $161 | $330 |
| UAIC | $173 | $221 |
| AIG | $174 | $437 |
| Allstate | $177 | $342 |
| Chubb | $182 | $365 |
| Farmers | $249 | $445 |
Cost of Car Insurance for 2022 BMW X7
| Geico | $120 | $263 |
| Travelers | $135 | $251 |
| National General | $137 | $280 |
| Progressive | $140 | $262 |
| The Hartford | $157 | $267 |
| State Farm | $157 | $331 |
| Nationwide | $162 | $282 |
| Kemper | $170 | $349 |
| AAA | $184 | $383 |
| Amica | $199 | $409 |
| Allstate | $212 | $409 |
| Chubb | $216 | $433 |
| AIG | $227 | $567 |
| UAIC | $231 | $293 |
| Farmers | $300 | $537 |
Cost of Car Insurance for 2021 BMW X7
| Geico | $147 | $321 |
| National General | $167 | $342 |
| Travelers | $169 | $313 |
| Progressive | $181 | $339 |
| State Farm | $203 | $426 |
| The Hartford | $206 | $352 |
| Nationwide | $213 | $371 |
| Kemper | $226 | $466 |
| AAA | $232 | $481 |
| Amica | $247 | $506 |
| Allstate | $258 | $497 |
| Chubb | $261 | $524 |
| AIG | $286 | $716 |
| UAIC | $294 | $373 |
| Farmers | $366 | $655 |
Cost of Car Insurance for 2020 BMW X7
| Geico | $90 | $197 |
| National General | $102 | $210 |
| Travelers | $104 | $192 |
| Progressive | $111 | $207 |
| State Farm | $124 | $261 |
| The Hartford | $126 | $215 |
| Nationwide | $130 | $227 |
| Kemper | $139 | $285 |
| AAA | $142 | $294 |
| Amica | $151 | $310 |
| Allstate | $158 | $305 |
| Chubb | $160 | $321 |
| AIG | $175 | $438 |
| UAIC | $180 | $228 |
| Farmers | $224 | $401 |
Cost of Car Insurance for 2019 BMW X7
| Geico | $78 | $170 |
| National General | $88 | $181 |
| Travelers | $90 | $166 |
| Progressive | $96 | $179 |
| State Farm | $107 | $225 |
| The Hartford | $109 | $186 |
| Nationwide | $113 | $196 |
| Kemper | $120 | $246 |
| AAA | $123 | $254 |
| Amica | $130 | $268 |
| Allstate | $136 | $263 |
| Chubb | $138 | $277 |
| AIG | $151 | $378 |
| UAIC | $156 | $197 |
| Farmers | $194 | $346 |
BMW X7 Insurance Cost by Trim
BMW X7 insurance costs vary by trim, from $515 monthly for full coverage on high-performance M50i Dark Shadow Edition Sport Utility 4d variants down to $122 for minimum coverage on basic M60i Sport Utility 4d models. Performance features and market value determine where your specific trim falls in this range.
| M60i Sport Utility 4d | $122 | $239 |
| Xdrive50i Sport Utility 4d | $126 | $245 |
| Xdrive40i Sport Utility 4d | $127 | $247 |
| Xdrive40i | $127 | $249 |
| M50i Sport Utility 4d | $159 | $311 |
| M60i | $168 | $329 |
| Alpina Xb7 Sport Utility 4d | $205 | $401 |
| Alpina Xb7 | $232 | $455 |
| M50i Dark Shadow Edition Sport Utility 4d | $263 | $515 |
How to Lower the Cost of BMW X7 Insurance
These strategies help you reduce BMW X7 premiums without sacrificing the coverage you need:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your BMW X7 based on your ownership situation. Own it outright? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs. This benchmark assists with shopping for the cheapest car insurance companies offering competitive rates. Understanding typical costs for your vehicle type prevents overpaying and helps identify genuinely affordable options in your area.
- 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 processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget options could provide limited coverage or slower customer service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation and vehicle. BMW X7 owners qualify for safety features discounts, bundling savings when combining auto and home policies, good driver discounts for clean records and anti-theft discounts for factory security systems. These savings can reduce your annual premiums.
- 5Consider alternative car insurance types
BMW X7 owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track your driving habits and offer premium reductions for safe behaviors like smooth braking, avoiding hard acceleration and driving during safer hours. Low-mileage drivers often see the biggest savings.
- 6Check rates every year
Obtain car insurance quotes from several companies annually to ensure you're getting the best deal. Your current insurer doesn't notify you when competitors lower their prices, so regular comparisons could save up to 24% on your BMW X7 insurance. Rate changes happen frequently in the insurance market.
BMW X7 Insurance Cost: Bottom Line
BMW X7 insurance runs above average costs, but you can still secure decent rates. Shopping multiple insurers, claiming available discounts and adjusting coverage choices helps you find better pricing for your luxury SUV.
BMW X7 Insurance Rates: FAQ
What is the average cost of car insurance for a BMW X7?
BMW X7 insurance averages $1,971 annually for minimum coverage and $3,858 for full coverage. Monthly rates run $164 for state minimum and $321 for comprehensive protection.
What company has the cheapest car insurance for a BMW X7?
Geico provides the most affordable minimum coverage for a BMW X7 at $1,425 annually. Travelers offers the best value for full coverage policies at $2,924 per year.
Are BMW X7s expensive to insure?
Yes, BMW X7 insurance ranks among the pricier models to insure. The X7 places 754th out of 827 vehicles for affordability, and among SUVs specifically, it sits at 217th out of 256 models.
What factors affect insurance costs for BMW X7s?
Multiple factors increase BMW X7 insurance premiums. Luxury parts and advanced technology make repairs expensive, while the vehicle's high market value and elevated theft risk for luxury SUVs concern insurers. Your driving record, credit score, and coverage selections also impact your rates.
How can I lower BMW X7 insurance costs?
Compare quotes from multiple insurers since BMW X7 pricing differs 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 X7 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 X7 insurance costs.
Who We Based These Rates On
These BMW X7 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.