BMW 5 Series Insurance Cost

Auto insurance for a BMW 5 Series will cost about $2,442 per year.

This is more than the national average for luxury sedan models by $375. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a 5 Series.

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

These BMW 5 Series insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

BMW 5 Series insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $8,270 $12,318 $14,561
18 $7,707 $11,480 $13,570
19 $6,811 $10,145 $11,993
20 $5,939 $8,846 $10,457
21 $4,980 $7,418 $8,769
22 $4,850 $7,225 $8,540
23 $4,244 $6,322 $7,473
24 $4,032 $6,006 $7,099
25 $3,480 $5,183 $6,126
30 $2,710 $4,037 $4,772
35 $2,539 $3,781 $4,470
40 $2,442 $3,637 $4,299
45 $2,376 $3,539 $4,183
55 $2,179 $3,246 $3,836
65 $2,273 $3,385 $4,002
75 $2,869 $4,273 $5,051

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 $2,587 $3,624 $4,535
Alaska $2,140 $3,116 $3,265
Arizona $2,419 $3,753 $5,351
Arkansas $2,652 $4,017 $4,494
California $2,953 $5,165 $2,953
Colorado $2,756 $3,815 $4,759
Connecticut $3,521 $5,443 $6,972
Delaware $2,915 $4,013 $5,328
Florida $3,470 $4,714 $6,145
Georgia $2,829 $4,361 $4,474
Hawaii $1,130 $1,560 $1,130
Idaho $1,963 $2,643 $3,290
Illinois $2,055 $3,038 $3,523
Indiana $2,111 $3,300 $3,851
Iowa $1,672 $2,509 $2,923
Kansas $2,225 $3,276 $3,880
Kentucky $3,216 $4,838 $5,690
Louisiana $4,129 $6,310 $6,794
Maine $1,561 $2,094 $3,056
Maryland $2,527 $3,705 $4,375
Massachusetts $2,026 $3,427 $2,026
Michigan $4,890 $7,351 $11,303
Minnesota $2,013 $2,704 $4,002
Mississippi $2,430 $3,670 $3,877
Missouri $2,289 $3,153 $4,078
Montana $2,328 $3,642 $4,017
Nebraska $1,968 $2,785 $3,169
Nevada $3,245 $4,899 $5,374
New Hampshire $2,258 $3,639 $4,634
New Jersey $2,487 $3,922 $5,059
New Mexico $2,540 $3,655 $4,105
New York $2,353 $3,064 $4,946
North Carolina $1,459 $2,355 $1,815
North Dakota $1,996 $3,072 $3,900
Ohio $1,780 $2,910 $3,015
Oklahoma $2,842 $4,267 $4,840
Oregon $2,586 $3,906 $4,481
Pennsylvania $2,178 $3,294 $3,780
Rhode Island $3,637 $5,581 $6,383
South Carolina $2,470 $3,574 $5,100
South Dakota $2,216 $3,049 $3,658
Tennessee $2,606 $3,898 $4,918
Texas $2,625 $3,863 $4,849
Utah $2,232 $3,228 $4,452
Vermont $1,719 $2,748 $3,004
Virginia $1,619 $2,438 $2,590
Washington $2,143 $3,220 $3,797
West Virginia $2,157 $3,140 $3,878
Wisconsin $2,150 $3,138 $3,811
Wyoming $2,007 $2,949 $3,297

Other Important Costs of Owning a BMW 5 Series

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on BMW 5 Series depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

Already decided on buying a BMW 5 Series? We have millions of new and used vehicles listed. Here are some BMW models for sale in your area.

Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.