Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jul 9, 2019

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While the BMW 7 Series undoubtedly has brand appeal, it ties for 3rd place in U.S. News and World Report’s ranking of super-luxury sedans with the Audi A8 and the Lexus LS.

The Mercedes-Benz S Class took 1st place in this category, and the Porsche Panamera occupies the #2 spot.

Critics agree that every car in this category is exceptional but drivers willing to spend nearly $100,000 on their vehicle are increasingly spoilt for choice.

Read on to learn about safety, performance and average auto insurance rates for the BMW 7 Series.

Then use our FREE quote tool to compare insurance rates today!

BMW 7 Series Car Insurance Rates

The 2011 Porsche Panamera is one of the most affordable super-luxury sedans to insure, with an estimated bill of $11,089 over five years, according to Edmunds. The Audi A8 is also one of the more affordable choices with an estimated 5-year car insurance bill of $11,314, or $189 per month.

The BMW 7 Series costs only slightly more than the Panamera and the A8 to insure, with an estimated 5-year car insurance bill of $11,487. This figure breaks down to about $191 monthly.

Edmunds’ data indicates that the Mercedes-Benz S Class costs around $12,666 to insure for five years, or $211 per month. While the BMW 7 Series is not the cheapest luxury sedan to insure, average rates for it are in line with those of its competitors.

BMW 7 Series Fuel Costs

The 7 Series is one of the more fuel-efficient luxury sedans on the road, with an EPA-rated 17 city mpg and 25 highway mpg. The only non-hybrid luxury sedan with superior fuel economy numbers is the Audi A8, which gets 17 mpg in city driving and 27 mpg in highway driving.

On the other end of the spectrum, the Mercedes CLS and the S Class have the lowest fuel economy numbers in this category, at 14 city mpg/21 highway mpg and 15 city mpg/23 highway mpg, respectively.

If you’re concerned about minimizing your luxury car’s environmental impact, Mercedes and Lexus both offer hybrid super-luxury sedans with better fuel economy than the BMW 7 Series.

BMW offers a hybrid 7 Series model as well, but it has a more powerful engine than the gasoline-powered base model, and so its fuel economy is actually a bit worse.

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Repair and Maintenance for the BMW 7 Series

One perk of owning a BMW is that the 4-year, 50,000 mile warranty includes free scheduled maintenance. This means that the 7 Series’ scheduled maintenance costs of $4,636 for the first five years are significantly lower than those for its competitors.

The Audi A8 also comes with free scheduled maintenance for the first 12 months or 5,000 miles, but Edmunds estimates that its 5-year maintenance bill will still be higher than the BMW’s, at $6,358.

Mercedes S Class drivers can expect to pay approximately $6,617 to maintain their vehicles for the first five years, and Lexus LS owners can expect to pay around $6,785 for maintenance during the same time period.

Who are the best auto insurance companies for the BMW 7 Series?

Like the BMW 7 Series, the Porsche Panamera, Mercedes S Class, Lexus LS, and Audi A8 all have 50,000 mile, 4-year bumper-to-bumper warranties.

Since most drivers hit the 50,000 mile mark before the 4th year, though, Edmunds estimates that all of these vehicles will incur substantial repair costs during the first five years they’re on the road.

With the exception of the Lexus LS, all of these vehicles are expected to have repair bills upwards of $2,700 within five years of purchase. The figure for the Panamera is closer to $3,400.

The Lexus LS has a much lower average repair bill than its competition, though, at just $1,027 for five years. This is most likely due to the fact that it has a 7-year, 70,000 mile powertrain warranty in addition to its bumper-to-bumper warranty.

BMW 7 Series Safety Reviews and Ratings

Most super-luxury sedans do not undergo safety testing by the federal government and the insurance industry, and the BMW 7 Series is no exception. To reassure drivers, it offers a dizzying array of both standard and optional safety features.

All BMW 7 Series sedans come with traction control and electronic stability control, electronic brake force distribution, and tire pressure monitoring systems.’s reviewer did note one deficiency in the 7 Series’ standard safety armor, which is the absence of side impact airbags for rear passengers. This feature was included in previous 7 Series models.

An example of the 7 Series’ high-tech optional safety features is adaptive cruise control, which automatically applies the brakes if it senses that the car in front is too close.

Owners of the BMW 7 Series can also opt for a night vision system to detect pedestrians, a blind spot monitoring system, and side and rear-view cameras.

BMW 7 Series Reviews

According to U.S. News, reviewers like the BMW 7 Series’ versatility, handling, and adjustable ride. Owners can choose between turbocharged V6, V8, and V10 engines, and the 7 Series’ Driving Dynamics Control System allows drivers to select their desired ride quality from four settings.

Consumer Guide says that the vehicle’s steering is “nicely weighted,” and Edmunds describes it as “athletic.”

While the BMW 7 Series has a “lush” interior, according to Automobile Magazine, U.S. News reports that competitors like the Mercedes S Class and the Lexus LS offer slightly more “upscale” interiors and more generous standard features.

Reviewers also note that BMW’s infotainment system, iDrive, is more user-friendly than it has been in past models.

Compare Auto Insurance Quotes and find affordable car insurance for the BMW 7 Series today!

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