BMW M5 Insurance Cost

Auto insurance for a BMW M5 will cost about $3,888 per year.

This is more than the national average for luxury sedan models by $1,663. 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 $13,171 $19,340 $22,625
18 $12,274 $18,023 $21,085
19 $10,847 $15,928 $18,634
20 $9,458 $13,888 $16,248
21 $7,932 $11,647 $13,625
22 $7,725 $11,343 $13,270
23 $6,759 $9,925 $11,611
24 $6,421 $9,429 $11,031
25 $5,541 $8,137 $9,519
30 $4,317 $6,339 $7,415
35 $4,043 $5,937 $6,945
40 $3,888 $5,710 $6,679
45 $3,784 $5,556 $6,500
55 $3,470 $5,096 $5,961
65 $3,620 $5,315 $6,218
75 $4,569 $6,709 $7,848

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 $4,120 $5,984 $7,617
Alaska $3,408 $4,724 $4,592
Arizona $3,852 $5,569 $8,205
Arkansas $4,224 $6,636 $7,307
California $4,703 $8,316 $4,703
Colorado $4,389 $6,142 $7,793
Connecticut $5,607 $8,696 $11,038
Delaware $4,642 $6,186 $7,945
Florida $5,527 $7,646 $9,964
Hawaii $1,800 $2,443 $1,800
Idaho $3,127 $4,145 $5,039
Illinois $3,273 $4,947 $5,641
Indiana $3,363 $5,141 $5,768
Iowa $2,663 $3,653 $4,295
Kansas $3,543 $5,155 $6,030
Kentucky $5,122 $7,519 $8,879
Louisiana $6,576 $9,940 $10,777
Maine $2,487 $3,437 $5,074
Maryland $4,024 $5,856 $6,505
Massachusetts $3,227 $5,629 $3,227
Michigan $7,787 $11,866 $18,717
Minnesota $3,205 $4,274 $6,018
Mississippi $3,870 $5,519 $5,555
Missouri $3,646 $5,213 $6,848
Montana $3,707 $5,172 $6,021
Nebraska $3,134 $4,634 $5,034
Nevada $5,169 $7,666 $8,099
New Hampshire $3,595 $5,685 $7,187
New Jersey $3,961 $6,215 $8,133
New Mexico $4,045 $6,017 $6,246
New York $3,747 $4,718 $7,876
North Carolina $2,323 $3,991 $2,846
North Dakota $3,179 $4,831 $5,713
Ohio $2,834 $4,371 $4,482
Oklahoma $4,526 $6,480 $7,297
Oregon $4,118 $5,526 $6,600
Pennsylvania $3,469 $5,093 $5,959
Rhode Island $5,792 $8,496 $9,567
South Carolina $3,933 $5,451 $7,524
South Dakota $3,529 $5,085 $5,868
Tennessee $4,150 $6,110 $8,136
Texas $4,180 $6,038 $7,511
Utah $3,555 $4,982 $6,856
Vermont $2,737 $4,215 $4,455
Virginia $2,578 $3,959 $3,880
Washington $3,413 $4,632 $5,531
West Virginia $3,434 $4,918 $6,162
Wisconsin $3,424 $5,344 $6,096
Wyoming $3,196 $4,475 $4,765
Georgia $4,506 $6,738 $6,793

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: