BMW M5 Insurance Cost

Auto insurance for a BMW M5 will cost about $2,632 per year.

This is more than the national average for luxury sedan models by $845. 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 M5.

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

BMW M5 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 M5 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $8,914 $13,090 $15,313
18 $8,308 $12,199 $14,271
19 $7,342 $10,781 $12,612
20 $6,402 $9,400 $10,997
21 $5,368 $7,883 $9,222
22 $5,228 $7,677 $8,981
23 $4,575 $6,717 $7,858
24 $4,346 $6,382 $7,466
25 $3,750 $5,507 $6,443
30 $2,922 $4,290 $5,019
35 $2,736 $4,018 $4,701
40 $2,632 $3,864 $4,521
45 $2,561 $3,760 $4,399
55 $2,349 $3,449 $4,035
65 $2,450 $3,597 $4,208
75 $3,092 $4,540 $5,312

BMW M5 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 M5 by state.

BMW M5 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,788 $4,050 $5,155
Alaska $2,306 $3,197 $3,108
Arizona $2,607 $3,769 $5,553
Arkansas $2,859 $4,492 $4,946
California $3,183 $5,629 $3,183
Colorado $2,970 $4,157 $5,274
Connecticut $3,795 $5,886 $7,471
Delaware $3,142 $4,187 $5,378
Florida $3,741 $5,175 $6,744
Georgia $3,050 $4,560 $4,598
Hawaii $1,218 $1,654 $1,218
Idaho $2,116 $2,806 $3,411
Illinois $2,215 $3,348 $3,818
Indiana $2,276 $3,479 $3,904
Iowa $1,803 $2,472 $2,907
Kansas $2,398 $3,489 $4,081
Kentucky $3,467 $5,089 $6,010
Louisiana $4,451 $6,727 $7,294
Maine $1,683 $2,326 $3,435
Maryland $2,723 $3,964 $4,403
Massachusetts $2,184 $3,810 $2,184
Michigan $5,270 $8,031 $12,668
Minnesota $2,170 $2,893 $4,073
Mississippi $2,619 $3,736 $3,760
Missouri $2,468 $3,528 $4,635
Montana $2,509 $3,501 $4,075
Nebraska $2,121 $3,136 $3,407
Nevada $3,498 $5,189 $5,481
New Hampshire $2,433 $3,848 $4,864
New Jersey $2,681 $4,206 $5,504
New Mexico $2,738 $4,073 $4,228
New York $2,536 $3,194 $5,331
North Carolina $1,572 $2,701 $1,926
North Dakota $2,151 $3,270 $3,867
Ohio $1,918 $2,959 $3,034
Oklahoma $3,063 $4,386 $4,939
Oregon $2,787 $3,740 $4,467
Pennsylvania $2,348 $3,447 $4,033
Rhode Island $3,920 $5,750 $6,475
South Carolina $2,662 $3,689 $5,092
South Dakota $2,388 $3,442 $3,971
Tennessee $2,809 $4,135 $5,507
Texas $2,829 $4,087 $5,083
Utah $2,406 $3,372 $4,640
Vermont $1,852 $2,853 $3,015
Virginia $1,745 $2,679 $2,626
Washington $2,310 $3,135 $3,744
West Virginia $2,325 $3,328 $4,170
Wisconsin $2,317 $3,617 $4,126
Wyoming $2,163 $3,028 $3,225

BMW M5 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the BMW M5 ranks for Insurance compared to other vehicles. Also check out how the M5 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other BMW M5 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 M5 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: