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...

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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.

U.S. average auto insurance rates for a BMW M5 are $1,532 annually for full coverage. Comprehensive costs around $330 a year, collision costs $580, and liability is $464. Buying just liability costs around $514 a year, with insurance for high-risk drivers costing around $3,326. Teenage drivers pay the highest rates at $5,712 a year or more.

Average premium for full coverage: $1,532

Price estimates for individual coverage:

Comprehensive $330
Collision $580
Liability $464

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and M5 trim levels.

Price Range from Low to High

For the normal driver, BMW M5 insurance prices go from as cheap as $514 for minimum levels of liability insurance to a high of $3,326 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance rates.

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

The ranges above show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of 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.

Additional Rate Details

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

  • The best discount rate is $877
  • Raising to $1,000 deductibles will save about $1,328 a year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,532
  • Using low $100 deductibles will cost $1,934
  • At-risk drivers who are prone to accidents and violations could pay at least $3,326 or more
  • The price with full coverage for a teen driver can be $5,712

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 prices for a BMW M5 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,800 to $2,500 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $610 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on BMW M5 insurance prices. A middle-age driver might find prices as low as $1,010 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,190 on average in Michigan, Louisiana, 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

Since prices can be so different, the only way to know your exact price is to get quotes and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices may be quite 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 Cheaper BMW M5 Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a condensed summary of the ideas that were presented in the illustrations above.

  • Teenage drivers are charged the highest prices, with premiums as much as $476 a month if they have full coverage
  • Higher risk drivers with multiple at-fault accidents pay an average of $1,790 more every year for auto insurance
  • Increasing physical damage deductibles could save up to $600 each year
  • Drivers can save up to $190 per year simply by quoting early and online

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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