Newer BMW 5 Series models are more expensive to insure than older ones, with monthly premiums ranging from $49 to $351 (if you have a 540d Xdrive Sedan 4d trim). Model year affects BMW 5 Series insurance costs since newer vehicles cost more to replace.
BMW 5 Series Insurance Cost
Updated: January 30, 2026
Key Takeaways
GEICO offers the most affordable BMW 5 Series insurance on average, though full coverage costs around $188 monthly and varies based on your model year and chosen insurer. Read more
Among sedans, the BMW 5 Series ranks 116th out of 199 for insurance affordability, placing it in the middle tier. Sedans cost less to insure due to better safety ratings and lower repair costs compared to other vehicle types. Read more
Your specific model year makes a difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific 5-Series model years, depending on the age of the drivers
How Much Is BMW 5 Series Insurance?
2026 | $129 | $253 |
$132 | $258 | |
$100 | $197 | |
$95 | $186 | |
$123 | $240 | |
$104 | $202 | |
$91 | $176 | |
$118 | $230 | |
$116 | $228 | |
$133 | $259 | |
$111 | $216 | |
2015 | $107 | $208 |
2014 | $87 | $169 |
2013 | $84 | $163 |
2012 | $70 | $135 |
2011 | $118 | $228 |
2010 | $105 | $203 |
2009 | $95 | $183 |
2008 | $85 | $165 |
2007 | $81 | $156 |
2006 | $80 | $154 |
2005 | $68 | $130 |
2004 | $49 | $96 |
2003 | $62 | $120 |
2002 | $70 | $136 |
2001 | $68 | $131 |
2000 | $72 | $140 |
Looking for another BMW model? Read more about BMW insurance costs.
Insurance rates depend on model year and insurer. BMW 5 Series full coverage spans $150 monthly with GEICO to $324 with AIG, while minimum coverage goes from $69 with GEICO to $140 with UAIC.
These cost differences (more than $71 for minimum coverage and $174 for full coverage) demonstrate why BMW 5 Series owners need to shop around. Companies calculate risk differently for each model, which impacts your final rate.
| AAA | $110 | $228 |
| AIG | $132 | $324 |
| Allstate | $125 | $241 |
| Amica | $120 | $245 |
| Chubb | $116 | $231 |
| Farmers | $138 | $242 |
| Geico | $69 | $150 |
| Kemper | $95 | $195 |
| Nationwide | $104 | $181 |
| Progressive | $101 | $189 |
| State Farm | $91 | $190 |
| The Hartford | $99 | $169 |
| Travelers | $83 | $154 |
| UAIC | $140 | $174 |
Is BMW 5 Series Expensive to Insure?
MoneyGeek's analysis of 199 sedans shows the BMW 5-series ranking 116th for insurance affordability, meaning 115 vehicles cost less to insure. It's positioned between the slightly cheaper Hyundai Ioniq 6 and the marginally pricier Chrysler 300, with costs differing by just a few dollars monthly. This middle-tier placement among sedans provides helpful context for potential buyers.
While it's middle of the pack among sedans, the 5-series ranks 456th out of 827 total vehicles in our database, placing it in the top half for affordability overall. The Saturn S-Series claims the cheapest sedan spot for insurance, while the Cadillac CTS-V commands the highest premiums in this category.
| Hyundai Sonata | $141 | 113 |
| Cadillac CTS | $141 | 114 |
| Hyundai Ioniq 6 | $142 | 115 |
| BMW 5-series | $142 | 116 |
| Chrysler 300 | $143 | 117 |
| Acura ILX | $143 | 118 |
| Lexus ES | $143 | 119 |
Several factors affect what you'll pay for BMW 5 Series insurance:
- Average Repair or Replacement Costs: BMW 5 Series repair costs average $1,773 annually, making it BMW's most expensive model to maintain out of 30. These high maintenance expenses directly translate to increased insurance premiums for owners.
- Vehicle Trim, Features and Accessories: The 5 Series delivers impressive performance with horsepower ranging from 248 to 617, depending on the trim. High-performance variants like the M5 cost more to insure due to their extreme power output and increased risk profile.
- Driver Profile: Most BMW 5 Series drivers fall into the 45-55 age range with higher incomes, which reduces rates. However, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of the BMW 5 Series for young drivers.
BMW 5 Series Insurance Cost by State
Car insurance for a BMW 5 Series ranges from $41 monthly in Wyoming to $190 in Louisiana for minimum coverage, depending on where you're located. Your state's risk factors and insurance regulations drive these differences, not the vehicle model itself.
| Alabama | $84 | $159 |
| Alaska | $70 | $149 |
| Arizona | $114 | $213 |
| Arkansas | $77 | $172 |
| California | $92 | $186 |
| Colorado | $95 | $227 |
| Connecticut | $127 | $219 |
| Delaware | $130 | $217 |
| Florida | $118 | $274 |
| Georgia | $137 | $227 |
| Hawaii | $51 | $115 |
| Idaho | $52 | $106 |
| Illinois | $88 | $165 |
| Indiana | $61 | $120 |
| Iowa | $56 | $136 |
| Kansas | $71 | $165 |
| Kentucky | $118 | $200 |
| Louisiana | $190 | $404 |
| Maine | $51 | $106 |
| Maryland | $142 | $239 |
| Massachusetts | $99 | $209 |
| Michigan | $149 | $287 |
| Minnesota | $80 | $168 |
| Mississippi | $85 | $169 |
| Missouri | $115 | $231 |
| Montana | $75 | $178 |
| Nebraska | $69 | $158 |
| Nevada | $160 | $290 |
| New Hampshire | $68 | $120 |
| New Jersey | $152 | $251 |
| New Mexico | $79 | $176 |
| New York | $111 | $200 |
| North Carolina | $76 | $149 |
| North Dakota | $61 | $134 |
| Ohio | $72 | $139 |
| Oklahoma | $89 | $199 |
| Oregon | $108 | $189 |
| Pennsylvania | $85 | $198 |
| Rhode Island | $116 | $207 |
| South Carolina | $96 | $180 |
| South Dakota | $56 | $175 |
| Tennessee | $75 | $152 |
| Texas | $119 | $242 |
| Utah | $99 | $168 |
| Vermont | $45 | $109 |
| Virginia | $90 | $145 |
| Washington | $86 | $161 |
| West Virginia | $87 | $176 |
| Wisconsin | $63 | $139 |
| Wyoming | $41 | $127 |
BMW 5 Series Costs by Model Year and Insurance Company
Model year impacts your BMW 5 Series insurance costs, along with driver age on your policy. A 35- to 55-year-old driver pays around $253 monthly for full coverage on a 2026 BMW 5 Series compared to $198 for a 2017 model. This $55 difference shows how model year affects your insurance costs, with newer vehicles consistently costing more to insure.
Travelers offers the cheapest rates across some BMW 5-series model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 BMW 5 Series
| Geico | $104 | $229 |
| State Farm | $107 | $224 |
| Travelers | $108 | $200 |
| Kemper | $112 | $231 |
| Nationwide | $125 | $217 |
| National General | $125 | $257 |
| Progressive | $128 | $240 |
| The Hartford | $141 | $240 |
| AAA | $159 | $332 |
| UAIC | $164 | $207 |
| Allstate | $171 | $333 |
| Chubb | $190 | $385 |
| Amica | $195 | $402 |
| AIG | $199 | $500 |
| Farmers | $212 | $370 |
Cost of Car Insurance for 2024 BMW 5 Series
| The Hartford | $66 | $113 |
| Kemper | $76 | $155 |
| Geico | $78 | $171 |
| National General | $80 | $164 |
| Travelers | $83 | $155 |
| Progressive | $84 | $158 |
| Nationwide | $98 | $172 |
| State Farm | $102 | $217 |
| UAIC | $106 | $134 |
| AAA | $111 | $232 |
| Chubb | $125 | $253 |
| Amica | $129 | $265 |
| Allstate | $131 | $255 |
| AIG | $132 | $332 |
| Farmers | $136 | $240 |
Cost of Car Insurance for 2023 BMW 5 Series
| Geico | $73 | $159 |
| The Hartford | $77 | $132 |
| Travelers | $78 | $146 |
| National General | $81 | $166 |
| Kemper | $81 | $167 |
| Nationwide | $84 | $146 |
| Progressive | $85 | $159 |
| State Farm | $93 | $196 |
| AAA | $107 | $224 |
| UAIC | $122 | $155 |
| Allstate | $123 | $238 |
| Amica | $126 | $259 |
| Chubb | $129 | $260 |
| AIG | $132 | $333 |
| Farmers | $143 | $253 |
Cost of Car Insurance for 2022 BMW 5 Series
| Geico | $83 | $181 |
| National General | $98 | $200 |
| Travelers | $106 | $196 |
| Progressive | $123 | $231 |
| State Farm | $124 | $260 |
| Nationwide | $128 | $223 |
| Kemper | $132 | $271 |
| AAA | $137 | $284 |
| Chubb | $149 | $300 |
| Amica | $153 | $314 |
| Allstate | $153 | $297 |
| The Hartford | $156 | $265 |
| UAIC | $164 | $207 |
| AIG | $169 | $423 |
| Farmers | $182 | $318 |
Cost of Car Insurance for 2021 BMW 5 Series
| Geico | $70 | $153 |
| National General | $82 | $169 |
| Travelers | $90 | $166 |
| Progressive | $104 | $195 |
| State Farm | $105 | $220 |
| Nationwide | $108 | $188 |
| Kemper | $111 | $229 |
| AAA | $116 | $240 |
| Chubb | $126 | $253 |
| Amica | $129 | $266 |
| Allstate | $130 | $251 |
| The Hartford | $131 | $224 |
| UAIC | $138 | $175 |
| AIG | $143 | $357 |
| Farmers | $154 | $269 |
Cost of Car Insurance for 2020 BMW 5 Series
| Geico | $61 | $134 |
| National General | $72 | $147 |
| Travelers | $78 | $144 |
| Progressive | $90 | $170 |
| State Farm | $92 | $192 |
| Nationwide | $94 | $164 |
| Kemper | $97 | $200 |
| AAA | $101 | $210 |
| Chubb | $110 | $221 |
| Amica | $113 | $231 |
| Allstate | $113 | $219 |
| The Hartford | $115 | $195 |
| UAIC | $121 | $152 |
| AIG | $124 | $311 |
| Farmers | $134 | $234 |
Cost of Car Insurance for 2019 BMW 5 Series
| Geico | $90 | $197 |
| National General | $101 | $208 |
| Travelers | $102 | $189 |
| Progressive | $106 | $198 |
| Kemper | $112 | $234 |
| The Hartford | $115 | $196 |
| State Farm | $117 | $245 |
| Nationwide | $129 | $225 |
| Chubb | $134 | $273 |
| UAIC | $142 | $175 |
| Allstate | $144 | $280 |
| AAA | $148 | $308 |
| Amica | $163 | $335 |
| Farmers | $171 | $300 |
| AIG | $175 | $433 |
Cost of Car Insurance for 2018 BMW 5 Series
| Geico | $90 | $197 |
| Travelers | $101 | $186 |
| National General | $101 | $207 |
| Progressive | $102 | $192 |
| The Hartford | $108 | $185 |
| Kemper | $109 | $227 |
| State Farm | $115 | $241 |
| Nationwide | $128 | $223 |
| Chubb | $131 | $267 |
| UAIC | $138 | $169 |
| Allstate | $142 | $275 |
| AAA | $148 | $309 |
| Amica | $163 | $336 |
| Farmers | $168 | $296 |
| AIG | $175 | $431 |
Cost of Car Insurance for 2017 BMW 5 Series
| National General | $97 | $198 |
| Geico | $101 | $221 |
| Travelers | $113 | $209 |
| State Farm | $132 | $276 |
| The Hartford | $137 | $234 |
| Progressive | $141 | $264 |
| Kemper | $141 | $291 |
| AAA | $145 | $301 |
| Nationwide | $146 | $254 |
| Amica | $148 | $304 |
| Chubb | $150 | $300 |
| Allstate | $164 | $317 |
| AIG | $177 | $439 |
| Farmers | $188 | $333 |
| UAIC | $192 | $241 |
Cost of Car Insurance for 2016 BMW 5 Series
| National General | $80 | $165 |
| Geico | $84 | $184 |
| Travelers | $95 | $174 |
| State Farm | $110 | $230 |
| The Hartford | $114 | $195 |
| Progressive | $117 | $220 |
| Kemper | $118 | $243 |
| AAA | $121 | $251 |
| Nationwide | $122 | $212 |
| Amica | $124 | $254 |
| Chubb | $125 | $250 |
| Allstate | $137 | $264 |
| AIG | $148 | $366 |
| Farmers | $156 | $278 |
| UAIC | $161 | $201 |
BMW 5 Series Insurance Cost by Trim
BMW 5 Series insurance costs vary by trim, from $351 monthly for full coverage on high-performance 540d Xdrive Sedan 4d variants down to $60 for minimum coverage on basic 528it Wagon 4d models. Market value and performance features determine where each trim falls in this range.
| 528it Wagon 4d | $60 | $117 |
| 545i Sedan 4d | $63 | $122 |
| 525i Sedan 4d | $66 | $127 |
| 525it Wagon 4d | $68 | $131 |
| 540it Wagon 4d | $71 | $136 |
| 525xi Sedan 4d | $75 | $145 |
| 530xi Sedan 4d | $76 | $147 |
| 528i Xdrive Sedan 4d | $78 | $151 |
| 528i Sedan 4d | $78 | $151 |
| 528xi Sedan 4d | $81 | $156 |
| 530i Sedan 4d | $81 | $157 |
| 535xi Sedan 4d | $82 | $158 |
| 535i Sedan 4d | $82 | $159 |
| 535i Xdrive Sedan 4d | $85 | $164 |
| 530xi Wagon 4d | $89 | $171 |
| 530e Sedan 4d | $92 | $179 |
| 540i Sedan 4d | $95 | $185 |
| 530e Xdrive Sedan 4d | $99 | $193 |
| 535d Sedan 4d | $99 | $194 |
| 550i Sedan 4d | $100 | $193 |
| 550i Xdrive Sedan 4d | $100 | $194 |
| 535i Gran Turismo Sedan 4d | $101 | $197 |
| 530i Xdrive Sedan 4d | $104 | $202 |
| 535i Gran Turismo Xdrive Sedan 4d | $105 | $204 |
| 530e Iperformance Sedan 4d | $106 | $207 |
| Activehybrid 5 Sedan 4d | $106 | $206 |
| 530e Xdrive Iperformance Sedan 4d | $106 | $208 |
| 535xi Sport Wagon 4d | $107 | $207 |
| 535i Xdrive Wagon 4d | $111 | $215 |
| 550i Gran Turismo Sedan 4d | $111 | $216 |
| 535d Xdrive Sedan 4d | $112 | $217 |
| 530i | $112 | $220 |
| 540i Xdrive Sedan 4d | $116 | $226 |
| 530i Xdrive | $117 | $230 |
| 550i Gran Turismo Xdrive Sedan 4d | $126 | $245 |
| 535i Xdrive Sport Wagon 4d | $126 | $244 |
| 540i Xdrive | $127 | $249 |
| M550i Xdrive Sedan 4d | $130 | $254 |
| 550e Xdrive | $137 | $269 |
| 540d Xdrive Sedan 4d | $179 | $351 |
How to Lower the Cost of BMW 5 Series Insurance
We've compiled tips below to help you find better rates on BMW 5 Series insurance:
- 1Choose the right coverage
Determine how much coverage to buy for your BMW 5 Series based on ownership status. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for luxury sedans like your BMW 5 Series. This benchmark assists with finding the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you spot genuine deals versus inflated quotes when shopping around.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation and vehicle. BMW 5 Series owners qualify for safety features discounts, good driver rewards, policy bundling savings and anti-theft device reductions.
- 5Consider alternative car insurance types
BMW 5 Series owners might benefit from usage-based insurance options like Progressive Snapshot or Allstate Drivewise. These telematics programs track safe driving habits and deliver premium reductions for careful drivers. Low-mileage drivers in urban areas see savings with pay-per-mile plans.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure competitive pricing. Your current insurer doesn't notify you when competitors lower their rates, so yearly comparisons could save up to 24% on your BMW 5 Series insurance.
BMW 5 Series Insurance Cost: Bottom Line
BMW 5 Series insurance runs average in cost, though you can still secure decent rates. Shopping multiple companies, claiming available discounts and adjusting coverage options helps you find better pricing for your luxury sedan.
BMW 5 Series Insurance Rates: FAQ
What is the average cost of car insurance for a BMW 5 Series?
BMW 5 Series insurance costs $1,159 annually for state minimum coverage and $2,252 yearly for full coverage. These rates represent solid value compared to other luxury vehicles in this class.
What company has the cheapest car insurance for a BMW 5 Series?
GEICO provides the most affordable minimum coverage for a BMW 5 Series at $825 annually. The insurer also delivers the best value for full coverage at $1,799 per year.
Are BMW 5 Series cars expensive to insure?
No, BMW 5 Series insurance is not more expensive than most vehicles. Among sedans specifically, this model places 116th out of 199 for affordability, while ranking 456th out of 827 total vehicles we track.
What factors affect insurance costs for BMW 5 Series cars?
Various factors influence BMW 5 Series insurance premiums. Premium parts and advanced technology make repairs expensive, while luxury vehicles face higher theft risks. However, sophisticated safety features help reduce accident claims.
How can I lower BMW 5 Series insurance costs?
Compare quotes from several insurers since BMW 5 Series pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same provider, and maintain a clean driving record to secure better rates.
How We Determined BMW 5 Series Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate BMW 5 Series insurance costs.
Who We Based These Rates On
These BMW 5 Series rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.