BMW 5 Series Insurance Cost

Auto insurance for a BMW 5 Series will cost about $2,852 per year.

This is more than the national average for luxury sedan models by $627. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW 5 Series.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

BMW 5 Series insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW 5 Series Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $9,660 $14,184 $16,594
18 $9,002 $13,219 $15,464
19 $7,956 $11,682 $13,666
20 $6,937 $10,186 $11,916
21 $5,817 $8,542 $9,993
22 $5,665 $8,319 $9,732
23 $4,957 $7,279 $8,516
24 $4,710 $6,915 $8,090
25 $4,064 $5,968 $6,982
30 $3,166 $4,649 $5,439
35 $2,965 $4,354 $5,094
40 $2,852 $4,188 $4,899
45 $2,775 $4,075 $4,767
55 $2,545 $3,737 $4,372
65 $2,655 $3,898 $4,560
75 $3,351 $4,920 $5,756

BMW 5 Series car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW 5 Series by state.

BMW 5 Series Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $3,022 $4,388 $5,586
Alaska $2,499 $3,465 $3,368
Arizona $2,825 $4,085 $6,018
Arkansas $3,098 $4,867 $5,359
California $3,449 $6,099 $3,449
Colorado $3,219 $4,505 $5,715
Connecticut $4,112 $6,378 $8,095
Delaware $3,404 $4,537 $5,827
Florida $4,053 $5,608 $7,307
Georgia $3,305 $4,941 $4,982
Hawaii $1,320 $1,792 $1,320
Idaho $2,293 $3,040 $3,696
Illinois $2,401 $3,628 $4,137
Indiana $2,466 $3,770 $4,231
Iowa $1,953 $2,679 $3,150
Kansas $2,599 $3,781 $4,422
Kentucky $3,757 $5,515 $6,512
Louisiana $4,823 $7,290 $7,904
Maine $1,824 $2,521 $3,722
Maryland $2,951 $4,295 $4,771
Massachusetts $2,367 $4,129 $2,367
Michigan $5,711 $8,703 $13,727
Minnesota $2,351 $3,135 $4,414
Mississippi $2,838 $4,048 $4,074
Missouri $2,674 $3,823 $5,022
Montana $2,719 $3,794 $4,416
Nebraska $2,298 $3,399 $3,692
Nevada $3,791 $5,623 $5,940
New Hampshire $2,637 $4,170 $5,271
New Jersey $2,905 $4,558 $5,965
New Mexico $2,967 $4,413 $4,581
New York $2,748 $3,461 $5,777
North Carolina $1,704 $2,927 $2,087
North Dakota $2,331 $3,543 $4,190
Ohio $2,079 $3,206 $3,287
Oklahoma $3,319 $4,753 $5,351
Oregon $3,021 $4,053 $4,841
Pennsylvania $2,544 $3,736 $4,371
Rhode Island $4,248 $6,231 $7,017
South Carolina $2,885 $3,998 $5,518
South Dakota $2,588 $3,729 $4,303
Tennessee $3,044 $4,481 $5,967
Texas $3,066 $4,429 $5,508
Utah $2,608 $3,654 $5,028
Vermont $2,007 $3,091 $3,267
Virginia $1,891 $2,903 $2,846
Washington $2,503 $3,397 $4,057
West Virginia $2,519 $3,607 $4,519
Wisconsin $2,511 $3,920 $4,471
Wyoming $2,344 $3,282 $3,495

BMW 5 Series Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the BMW 5 Series ranks for Insurance compared to other vehicles. Also check out how the 5 Series stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other BMW 5 Series Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major BMW 5 Series costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: