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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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...

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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 insurance rates for a BMW M5 are $1,532 a year for full coverage. Comprehensive insurance costs around $330 each year, collision costs $580, and liability costs around $464. Liability-only insurance costs as low as $514 a year, with high-risk driver insurance costing $3,326 or more. 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

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and M5 models.

Price Range from Low to High

For a driver in their 40's, BMW M5 insurance prices go from as low as $514 for liability-only coverage to a high rate of $3,326 for a driver that may need high-risk insurance.

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

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

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

The ranges above show why all drivers should compare prices for a specific zip code and risk profile, 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 Charts and Tables

The chart below shows 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 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,532
  • Using low deductibles for physical damage coverage will cost an extra $402 every year
  • Drivers who are prone to accidents and violations could pay at least $3,326 or more
  • The price for full coverage for a teen 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 prices range from $877 to $5,712

Car insurance prices for a BMW M5 are also quite variable based on your driving record, the trim level of your M5, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $5,700 a year. View Rates by Age

The state you live in has a huge impact on BMW M5 insurance prices. A driver around age 40 might see 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

Using high physical damage deductibles could cut prices by as much as $610 every year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 131% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 Find the Best BMW M5 Insurance

Getting lower rates on car insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The next list is a brief recap of the data that was covered in the charts and tables above.

  • Drivers can save up to $190 per year simply by quoting online in advance
  • Policyholders who may need increased levels of liability coverage will pay an extra $510 each year to increase from a low limit to 250/500 limits
  • Drivers age 20 and younger are the costliest to insure, with premiums as much as $476 a month if full coverage is included
  • Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,790 more every year to buy BMW M5 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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