BMW M5 Insurance Rates

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Lower Your 2010 BMW M5 Insurance Quotes in 2025

Are you at wits end from trying to scrape together enough money to pay your insurance bill each month? You have the same problem as many other drivers. You have so many car insurance companies to insure vehicles with, and even though it's nice to have a choice, it can be more challenging to get the best deal. Consumers need to do price comparisons before your policy renews because insurance price...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Jun 8, 2024

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How much does the BMW M5 cost to insure? Full coverage for a BMW M5 costs $1,916 a year, or $159. Our guide breaks down these rates so that drivers can save on BMW M5 insurance costs.

Want to jump right into finding a reasonable BMW M5 insurance group? Enter your ZIP code in our free tool above to start comparing BMW M5 insurance rates.

Average auto insurance rates for a BMW M5 are $1,532 annually with full coverage. Comprehensive costs around $330 each year, collision costs $580, and liability coverage costs around $464. A liability-only policy costs as low as $514 a year, with high-risk insurance costing around $3,326. Teenage drivers receive the highest rates at $5,712 a year or more.

Average premium for full coverage: $1,532

Rate estimates for individual coverage type:

Comprehensive $330
Collision $580
Liability $464

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and M5 models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $514 for just liability insurance to a high rate of $3,326 for a policy for a high-risk driver.

Liability Only $514
Full Coverage $1,532
High Risk $3,326

Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,149
Small Cities $1,609
Large Cities $2,068

These examples demonstrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below details estimated BMW M5 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $877
  • Using higher $1,000 deductibles will save about $204 annually
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,532
  • Using low deductibles for physical damage coverage will cost $1,934
  • Higher-risk drivers who are prone to accidents and violations could pay at least $3,326 or more
  • The cost with full coverage for a teenage driver can be $5,712 or more

View Chart as Image

BMW M5 insurance cost comparison chart
Column chart showing full coverage BMW M5 insurance rates range from $877 to $5,712

Insurance rates for a BMW M5 can also vary considerably based on the trim level of your M5, your driving record, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $610 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on BMW M5 insurance rates. A driver around age 40 might see rates as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,070 on average in Florida, Michigan, and New York.

BMW M5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,386 -$146 -9.5%
Alaska $1,178 -$354 -23.1%
Arizona $1,274 -$258 -16.8%
Arkansas $1,532 -$0 0.0%
California $1,748 $216 14.1%
Colorado $1,466 -$66 -4.3%
Connecticut $1,578 $46 3.0%
Delaware $1,738 $206 13.4%
Florida $1,918 $386 25.2%
Georgia $1,416 -$116 -7.6%
Hawaii $1,104 -$428 -27.9%
Idaho $1,038 -$494 -32.2%
Illinois $1,142 -$390 -25.5%
Indiana $1,154 -$378 -24.7%
Iowa $1,036 -$496 -32.4%
Kansas $1,458 -$74 -4.8%
Kentucky $2,092 $560 36.6%
Louisiana $2,270 $738 48.2%
Maine $946 -$586 -38.3%
Maryland $1,266 -$266 -17.4%
Massachusetts $1,228 -$304 -19.8%
Michigan $2,664 $1,132 73.9%
Minnesota $1,282 -$250 -16.3%
Mississippi $1,838 $306 20.0%
Missouri $1,362 -$170 -11.1%
Montana $1,646 $114 7.4%
Nebraska $1,210 -$322 -21.0%
Nevada $1,838 $306 20.0%
New Hampshire $1,104 -$428 -27.9%
New Jersey $1,712 $180 11.7%
New Mexico $1,358 -$174 -11.4%
New York $1,616 $84 5.5%
North Carolina $884 -$648 -42.3%
North Dakota $1,256 -$276 -18.0%
Ohio $1,058 -$474 -30.9%
Oklahoma $1,574 $42 2.7%
Oregon $1,404 -$128 -8.4%
Pennsylvania $1,462 -$70 -4.6%
Rhode Island $2,046 $514 33.6%
South Carolina $1,390 -$142 -9.3%
South Dakota $1,294 -$238 -15.5%
Tennessee $1,342 -$190 -12.4%
Texas $1,850 $318 20.8%
Utah $1,136 -$396 -25.8%
Vermont $1,050 -$482 -31.5%
Virginia $918 -$614 -40.1%
Washington $1,184 -$348 -22.7%
West Virginia $1,404 -$128 -8.4%
Wisconsin $1,062 -$470 -30.7%
Wyoming $1,368 -$164 -10.7%

View Chart as Image

BMW M5 insurance rates by U.S. city

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly different between companies.

BMW M5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 BMW M5 $490 $960 $390 $1,998
2023 BMW M5 $470 $952 $398 $1,978
2022 BMW M5 $454 $930 $416 $1,958
2021 BMW M5 $438 $890 $430 $1,916
2020 BMW M5 $414 $860 $442 $1,874
2019 BMW M5 $398 $798 $452 $1,806
2018 BMW M5 $382 $752 $456 $1,748
2017 BMW M5 $366 $674 $460 $1,658
2016 BMW M5 $342 $620 $460 $1,580
2015 BMW M5 $330 $580 $464 $1,532
2014 BMW M5 $322 $542 $474 $1,496
2013 BMW M5 $298 $504 $474 $1,434
2010 BMW M5 $254 $380 $474 $1,266
2008 BMW M5 $242 $334 $460 $1,194
2006 BMW M5 $218 $302 $446 $1,124

Rates are averaged for all BMW M5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheap BMW M5 Insurance

Saving money on auto insurance requires avoiding accidents and violations, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every year by quoting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief summary of the coverage data raised in the charts and tables above.

  • You may be able to save up to $190 per year simply by quoting online in advance
  • Increasing deductibles could save up to $600 each year
  • Teenagers pay higher rates, with premiums as much as $476 per month including comprehensive and collision insurance
  • Drivers that tend to have accidents or serious violations may pay on average $1,790 more every year for car insurance

Frequently Asked Questions

We wanted to answer a couple common questions before we move on:

  • How much is insurance on a BMW M5? Average insurance rates for a BMW M5 are $1,916 a year for full coverage insurance.
  • Is insurance expensive for a BMW? Compared to the the national average which is $936, yes.
  • Is BMW M5 expensive to maintain? YourMechanic.com says they cost $370 on average annually. However, RepairPal.com says the average annual cost is $1,173.
  • How much to service a BMW M5? See the answer above.
  • How much does BMW M5 cost? From $102,700
  • Is the BMW m5 fast? It can go from 0 to 60 in 2.8 seconds
  • Is BMW m5 a sports car? Yes. It’s considered a sports car for insurance purposes which may contribute to its higher rates.

Shopping around will help you find the best BMW M5 costs. So if you want to know how much is a BMW M5 2015 vehicle to insure or the BMW M5 cost of insurance, start by getting quotes. Enter your ZIP code in our free tool below to get started.

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What are the BMW M5 safety ratings?

The insurance cost of a BMW M5 can depend on the safety features and ratings. The BMW M5 has the following safety features:

  • Electronic Stability Control
  • ABS and Driveline Traction Control
  • Side Impact Beams
  • Blind Spot Detection and Blindspot Sensor
  • Parking Distance Control and Rear Parking Sensors
  • Dual-stage driver and Passenger Seat-mounted Airbags
  • Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual-stage driver and Passenger Front Airbags
  • Curtain 1stand 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety belts
  • Back-up Camera
  • The Insurance Institute for Highway Safety has not crash-tested the BMW M5.

BMW M5 Compared Against Other Vehicles in the Same Class

The BMW M5 is a luxury car, which means liability rates may be higher. Take a look at the vehicle below to see how other luxury car’s rates compare to a BMW M5’s insurance rates.

Ready to learn more about how much is a BMW M5’s insurance? To find out more about a BMW M5 and how much does it cost to insure, enter your ZIP code in our free tool.

Rates by Driver Age

BMW M5 Insurance Rates by Driver Age
Driver Age Premium
16 $5,712
20 $3,534
30 $1,598
40 $1,532
50 $1,400
60 $1,372

Full coverage, $500 deductibles

Rates by Deductible

BMW M5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,934
$250 $1,748
$500 $1,532
$1,000 $1,328

Full coverage, driver age 40

Rates by Liability Limit

BMW M5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,532
50/100 $1,625
100/300 $1,741
250/500 $2,042
100 CSL $1,671
300 CSL $1,926
500 CSL $2,112

Full coverage, driver age 40

Rates for High Risk Drivers

BMW M5 Insurance Rates for High Risk Drivers
Age Premium
16 $8,162
20 $5,630
30 $3,398
40 $3,326
50 $3,174
60 $3,146

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $215

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $82
Multi-vehicle $81
Homeowner $23
5-yr Accident Free $113
5-yr Claim Free $100
Paid in Full/EFT $70
Advance Quote $76
Online Quote $110
Total Discounts $655
Rate after discounts $877

Discounts are estimated and may not be available from every company or in every state.

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