BMW X7 car insurance rates

We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW X7 is $220.63 — or $2,647.56 annually. However, some other BMW models may cost less to insure depending on which safety features your vehicle has and which insurer you choose. And your actual costs will depend on your driving history, age, ZIP and other specific factors.

Sort by:

Name	Product	Gap insurance	Homeowner discount	Telematics	Has an app?	Available states
Smartfinancial			Yes	Yes	No	All 50 states and DC	Get quotes	Compare	loading Fetching your data...
Pretected		Yes	Depends on provider	No	No	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Yes	Yes	RightTrack	Yes	All 50 states & DC	Earn free accident forgiveness after five years claims-free and customize your policy anytime.	Get quotes More Info	Compare	loading Fetching your data...
Quinstreet - Insure.com		Yes	Depends on provider	Depends on provider	Depends on provider	All 50 states	Get quotes	Compare	loading Fetching your data...

loading

Load More

CompareClear

Compare the X7’s insurance factors to similar cars

With the BMW X7, you’ll pay a relatively low insurance rate, but it isn’t the cheapest BMW SUV to insure. That said, the X7 can hold its own in terms of speed and engine power, despite being a full-sized, three-row SUV.

In general, high-powered engines pose an extra risk to insure because they can cause more damage in an accident over vehicles with standard power.

We found 2021 car values from Car and Driver’s car model reviews. We also found safety ratings from the National Highway Traffic Safety Administration (NHTSA). However, the NHTSA doesn’t rate every model available.

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, seating up to seven people with three rows of seats. Its large size gives 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.
• Special features. The X7 includes many fun and helpful features as standard, including a 12-inch infotainment touchscreen, integrated navigation, heated front seats, onboard Wi-Fi, sunroof and a 10-speaker audio system. These features make the cost of replacing the X7 more expensive, possibly raising your insurance rates over non-luxury models.

Does the BMW X7 qualify for discounts?

This upcoming BMW model includes a few features that could land you insurance discounts, including:

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 X7 will start its prices at $73,900 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 or injuries 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.