We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
BMW X7 car insurance rates
You might pay a pretty premium for family-sized luxury drive.
Car insurance for a BMW X7
This fresh model provides a high-class ride to SUV enthusiasts and large families alike, but its new status on the market means no official insurance details yet. You could look at the X5’s average premium for an idea, which is $178 per month or $2,136 per year.
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Our top pick: Liberty Mutual
Compare car insurance for your BMW X7
How do I compare insurance for the X7?
The X7 is BMW’s take on large luxury, which will likely translate into a higher premium due to specialized repairs and coverage. However, because the company manufactures in America, repair costs might not get as high as other imported luxury SUVs, like the Volvo XC90.
Factors to consider when getting insurance for the X7:
- Body type. This vehicle has made it into the large luxury SUV class, giving it a heavy possibility of causing damage in an accident.
- Fuel. While not as fuel efficient as any sedan, the X7 gets a decent 22 mpg combined for its big size.
- Theft rates. While it’s not possible to find theft rates on a newly-launched vehicle, the similar X5 does attract theft.
- Maintenance. You might pay more for a BMW specialist or authentic parts. But the company does have American manufacturing plants that could save you from importing special parts.
- Coverage. As a BMW owner, you might opt for luxury car insurance to protect your proud investment with high limits and agreed value coverage. Also, consider comprehensive, uninsured/underinsured motorist and loan or lease gap coverage for even broader protection.
- Insurer options. Because of your upgrade to luxury insurance, you’ll have fewer options for providers to choose from.
- Warranty. This BMW comes with a standard four-year, 50,000-mile warranty alongside a 12-year, unlimited mileage rust protection. You’ll also get 24/7 roadside assistance for the first four years or six years for certified pre-owned BMWs with no mileage restrictions. The warranty even covers alternate accommodations and international coverage in Canada and Puerto Rico.
Does the BMW X7 qualify for discounts?
This upcoming BMW model includes a few features that could land you insurance discounts, including:
- Antilock brakes
- Antitheft system
- Front-impact airbags
- Side impact airbags
- Knee airbags
- Overhead airbags
- Pretensioners
- Stability control
Why is insurance so expensive for the X7?
You might see your premium as much as several thousand above the average $1,300 per year. But that’s because the X7 also isn’t your average car. Factors that might contribute to a high-end rate:
- High MSRP. The top price tag sets it apart from other family SUVs on the market, suggesting extra features and style as well as higher insurance costs.
- Big body. This large vehicle could bring more families up to BMW status, but it also means more damage in an accident.
- Luxury insurance. More coverage equals a higher premium, period.
- Engine power. Both engine options exceed 300 horsepower in performance for a strong ride that may also drive up rates.
How reliable is the BMW X7?
This new luxury vehicle might not have enough information to rate its safety and reliability, but you could look at its sibling, the X5, for an idea. The X5 offers a top-rated safety performance but average reliability overall.
- Safety. You won’t see ratings for this new car yet on top safety organizations, but the X5 was given a 5 out of 5-star rating by the NHTSA.
- Reliability. Only time will tell the true reliability of the X7. However, BMW rates about average for reliability on its other vehicles.
- Recalls. No recalls have been reported yet for this model’s first go on the market.
Bottom line
The X7 needs time to show off what it can bring in terms of insurance and offsetting costs. While you’ll likely pay a pretty premium for this vehicle’s luxury and large size, you can also compare which providers offer the best coverage.
Not ready for that? Look at rates for another car model.
