Compare BMW M5 Car Insurance Rates [2025]
If you want to buy affordable BMW M5 insurance coverage then you should know that a policy will cost $160 per month ($1,916 per year) on average. Good drivers can save as much as $2,955 a year over higher risk drivers.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated February 2024
Key Takeaways:
- Full coverage costs around $1,916 a year or $160 each month
- A liability-only policy costs around $768 a year or $64 each month
- Highest rates are for teenage drivers at around $7,003 a year or $584 each month
- Good drivers can save as much as $790 a year by earning policy discounts
- BMW M5 insurance costs around $397 more per year than the average vehicle
BMW M5 car insurance rates cost drivers an average of $1,916 a year, which is equal to a $160 monthly insurance bill.
Some of the determining factors that influence BMW M5 rates include driver and vehicle age, along with the vehicle’s safety features.
Read through this helpful guide to figure out how BMW M5 insurance rates are determined so you are ready to secure a policy that works for you.
You can start comparing quotes for BMW M5 car insurance rates from some of the best car insurance companies by using our free online tool now.
BMW M5 Insurance Cost
The average BMW M5 car insurance rates are $1,916 a year or $160 a month.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Are BMW M5s Expensive to Insure?
The chart below details how BMW M5 insurance rates compare to other luxury cars like the Audi A4, Infiniti Q70, and Lexus ES 350.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi A4 | $332 | $656 | $398 | $1,544 |
| Infiniti Q70 | $370 | $774 | $338 | $1,618 |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
| Audi A8 | $464 | $900 | $390 | $1,912 |
| Lexus IS 350 | $344 | $686 | $398 | $1,586 |
However, there are a few things you can do to find the cheapest BMW insurance rates online.
Read more: Compare Audi Car Insurance Rates
What Impacts the Cost of BMW M5 Insurance?
The BMW M5 trim and model you choose can impact the total price you will pay for BMW M5 insurance coverage.
Age of the Vehicle
Older BMW M5 models generally cost less to insure. For example, auto insurance for a 2016 BMW M5 costs $1,916, while 2010 BMW M5 insurance costs are $1,532, a difference of $384.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2016 BMW M5 | $438 | $890 | $430 | $1,916 |
| 2015 BMW M5 | $414 | $860 | $442 | $1,874 |
| 2014 BMW M5 | $398 | $798 | $452 | $1,806 |
| 2013 BMW M5 | $382 | $752 | $456 | $1,748 |
| 2010 BMW M5 | $330 | $580 | $464 | $1,532 |
Driver Age
Driver age can have a significant impact on BMW M5 auto insurance rates. As an example, a 40-year-old driver could pay $202 less each month for their BMW M5 auto insurance compared to a 20-year-old driver.
Driver Location
Where you live can have a large impact on BMW M5 insurance rates. For example, drivers in Jacksonville may pay $1,149 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of BMW M5 car insurance. Teens and drivers in their 20’s see the highest jump in their BMW M5 car insurance rates with violations on their driving record.
BMW M5 Safety Features
Having a variety of safety features on your BMW M5 can help lower your BMW M5 insurance costs. The BMW M5’s safety features include:
- Electronic Stability Control (ESC)
- ABS and Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver and Passenger Seat-Mounted Side Airbags
- Park Distance Control Front And Rear Parking Sensors
- Blind Spot Detection Blind Spot
- Active Protection
- Lane Departure Warning
- Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st and 2nd Row Airbags
- Airbag Occupancy Sensor
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point and Pretensioners
- Back-Up Camera
BMW M5 Insurance Loss Probability
Another contributing factor that affects BMW M5 car insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 184% |
|---|---|
| Property Damage | -6% |
| Comprehensive | 273% |
| Personal Injury | no data |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
BMW M5 Finance and Insurance Cost
If you are financing a BMW M5, you will pay more if you purchase BMW M5 car insurance at the dealership, so be sure to shop around and compare BMW M5 car insurance quotes from the best companies using our FREE tool below.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Ways to Save on BMW M5 Insurance
Save more on your BMW M5 car insurance rates. Take a look at the following five strategies that will get you the best BMW M5 auto insurance rates possible.
- Take Public Transit Instead of Driving Your BMW M5
- Remove Young Drivers from Your BMW M5 Insurance When They Move Out or Go to School
- Move to the Countryside
- Tell Your Insurer About Different Drivers or Uses for Your BMW M5
- Ask About Mature Driver Discounts for Drivers Over 50
Top BMW M5 Insurance Companies
The best auto insurance companies for BMW M5 car insurance rates will offer competitive rates, discounts, and account for the BMW M5’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free BMW M5 Insurance Quotes Online
You can start comparing quotes for BMW M5 car insurance rates from some of the best car insurance companies by using our free online tool now.
Frequently Asked Questions
How much does BMW M5 car insurance cost?
On average, BMW M5 car insurance costs $1,916 per year or $160 per month.
Are BMW M5s expensive to insure?
Yes, BMW M5s have higher insurance rates compared to other luxury cars.
What factors impact BMW M5 insurance costs?
Factors such as vehicle age, driver age, location, driving record, and safety features affect BMW M5 insurance costs.
How can I save on BMW M5 insurance?
To save on BMW M5 insurance, maintain a good driving record, explore discounts, compare quotes, and consider bundling options.
Which insurance companies offer BMW M5 coverage?
The best insurance companies for BMW M5 coverage offer competitive rates and consider the vehicle’s safety features.
Related Articles
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption