BMW X7 car insurance rates

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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Compare car insurance for your BMW X7

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover		Optional			Yes	AZ, CA, IL, LA, OH, TX, UT and WI	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford		Optional			Yes	All 50 states & DC	Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
EverQuote		Optional			Yes	All 50 states	Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.	Get quotes	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Branch		Optional			No	AZ, MO, IL, OH and TX	Benefit from this online-based startup’s steep savings and convenient online quotes and claims.	Get quotes More Info	Compare	loading Fetching your data...

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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:

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.

Frequently asked questions about BMW X7 insurance

• How much does the BMW X7 cost?

  The X7 will start its prices at $73,900 MSRP.

• How many seats does the BMW X7 have?

  The X7 seats up to seven people with three rows of seating inside this large luxury SUV.

• Where will the BMW X7 be built?

  The X7 is currently under production in Greer, South Carolina and is making its debut in spring 2019.

• What special features does the BMW X7 include?

  The X7 includes many fun and helpful features as standard, including 12-color interior lights, 12-inch infotainment touchscreen, integrated navigation, heated front seats, onboard Wi-Fi, sunroof, 10-speaker audio system, wireless smartphone charging pad, automated emergency braking, blind-spot monitoring, pedestrian detection and lane-departure warning.