BMW M5 insurance costs average $132 monthly for minimum coverage and $259 per month for full coverage. Depending on your particular trim and model year, costs can range from $75 for a 2006 BMW M5 to $474 for a 2025 BMW M5 monthly.
BMW M5 Insurance Cost
Updated: October 2, 2025
Key Takeaways
BMW M5 insurance costs range from $89 to $474 monthly depending on coverage type and model year variations.
BMW M5 ranks 674th out of 827 vehicles for insurance affordability in the United States vehicle market through 2025.
UAIC offers the most affordable BMW M5 coverage at $184 monthly for full coverage, while minimum coverage policies start at just $96 per month.
How Much Is BMW M5 Insurance?
| BMW M5 | $132 | $259 |
BMW M5 Insurance Cost by Model Year
Your BMW M5's model year and available trims affect insurance rates, with newer vehicles costing more due to higher fair value. Monthly premiums vary widely by year, starting as low as $75 for older models and reaching as high as $471 for the newest M5s.
| 2026 | $238 | $471 |
| 2025 | $236 | $467 |
| 2023 | $174 | $345 |
| 2022 | $184 | $364 |
| 2021 | $150 | $297 |
| 2020 | $122 | $242 |
| 2019 | $113 | $224 |
| 2018 | $125 | $244 |
| 2016 | $115 | $225 |
| 2015 | $111 | $217 |
| 2014 | $142 | $279 |
| 2013 | $111 | $217 |
| 2010 | $98 | $191 |
| 2009 | $101 | $198 |
| 2008 | $98 | $192 |
| 2007 | $95 | $184 |
| 2006 | $75 | $145 |
| 2003 | $96 | $184 |
| 2002 | $88 | $170 |
| 2001 | $84 | $162 |
| 2000 | $79 | $153 |
BMW M5 Insurance Cost by Trim
Your BMW M5's trim affects insurance costs based on features, rarity and market value. Monthly rates vary widely across trim levels, ranging from $112 to $474 depending on your specific model and coverage choices.
| Sedan 4d | $112 | $219 |
| Competition Sedan 4d | $121 | $240 |
| Cs Sedan 4d | $211 | $417 |
| M5 | $235 | $466 |
| Touring | $240 | $474 |
Compare Personalized BMW M5 Insurance Costs
We've organized BMW M5 insurance costs by model year and trim for accurate personalization.
Data filtered by:Results filtered by:
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Model Year:2000
Select
Trim:Sedan 4d
| Sedan 4d | $79 | $153 |
BMW M5 Insurance Cost by Company
BMW M5 insurance costs vary by provider from $153 to $309 monthly. Minimum coverage ranges from $96 to $190, while full coverage costs $184 to $441. Rates vary due to different risk assessment models.
| AAA | $141 | $295 |
| AIG | $177 | $441 |
| Allstate | $178 | $345 |
| Amica | $177 | $364 |
| Chubb | $153 | $308 |
| Farmers | $190 | $333 |
| GEICO | $96 | $211 |
| Kemper | $99 | $205 |
| Nationwide | $128 | $223 |
| Progressive | $129 | $242 |
| State Farm | $120 | $253 |
| The Hartford | $113 | $193 |
| Travelers | $109 | $201 |
| UAIC | $147 | $184 |
BMW M5 Insurance Cost by State
BMW M5 insurance costs vary by location, ranging from $55 monthly in Wyoming to $576 in Louisiana.
| Alabama | $116 | $226 |
| Alaska | $103 | $220 |
| Arizona | $147 | $278 |
| Arkansas | $114 | $254 |
| California | $117 | $236 |
| Colorado | $132 | $316 |
| Connecticut | $169 | $293 |
| Delaware | $164 | $275 |
| Florida | $139 | $328 |
| Georgia | $172 | $288 |
| Hawaii | $70 | $160 |
| Idaho | $77 | $158 |
| Illinois | $123 | $232 |
| Indiana | $84 | $164 |
| Iowa | $88 | $211 |
| Kansas | $98 | $230 |
| Kentucky | $151 | $260 |
| Louisiana | $271 | $576 |
| Maine | $78 | $163 |
| Maryland | $192 | $328 |
| Massachusetts | $132 | $282 |
| Michigan | $203 | $397 |
| Minnesota | $117 | $253 |
| Mississippi | $120 | $240 |
| Missouri | $167 | $331 |
| Montana | $108 | $261 |
| Nebraska | $98 | $224 |
| Nevada | $186 | $338 |
| New Hampshire | $102 | $184 |
| New Jersey | $192 | $319 |
| New Mexico | $106 | $235 |
| New York | $137 | $248 |
| North Carolina | $103 | $204 |
| North Dakota | $96 | $211 |
| Ohio | $100 | $196 |
| Oklahoma | $133 | $297 |
| Oregon | $132 | $230 |
| Pennsylvania | $126 | $298 |
| Rhode Island | $160 | $288 |
| South Carolina | $124 | $234 |
| South Dakota | $86 | $276 |
| Tennessee | $103 | $209 |
| Texas | $154 | $314 |
| Utah | $122 | $208 |
| Vermont | $74 | $178 |
| Virginia | $122 | $197 |
| Washington | $111 | $208 |
| West Virginia | $129 | $264 |
| Wisconsin | $92 | $204 |
| Wyoming | $55 | $170 |
BMW M5 Insurance Cost by Driver Profile
Your driving profile affects BMW M5 insurance costs. Young drivers under 25 can expect monthly premiums around $493, while adult drivers between 26-64 typically pay about $195 monthly for the same coverage.
| Adult Drivers | $132 | $259 |
| Young Drivers | $335 | $651 |
| Senior Drivers | $176 | $327 |
| Drivers With a Speeding Ticket | $164 | $324 |
| Drivers With an Accident | $194 | $379 |
| Drivers With a DUI | $243 | $472 |
| Drivers With Bad Credit | $322 | $651 |
Is a BMW M5 Expensive to Insure?
You might be concerned about BMW insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a BMW M5 ranks 674th out of 827, making it one of the more expensive cars to insure. Among midsize luxury sedans, the model ranks 28th out of 47.
| Alfa Romeo Giulia | $61 | $120 |
| Cadillac Seville | $62 | $119 |
| Infiniti I | $64 | $124 |
| Lincoln LS | $68 | $132 |
| Buick Regal | $71 | $136 |
| Volvo S80 | $78 | $151 |
| Volkswagen Phaeton | $78 | $151 |
| Lincoln MKZ | $79 | $153 |
| Acura TL | $80 | $154 |
| Buick Lacrosse | $83 | $160 |
| Infiniti G-Series | $83 | $160 |
| Infiniti M | $85 | $165 |
| Mercedes C-Class | $85 | $166 |
| Mercedes E-Class | $87 | $170 |
| Buick Regal Tour X | $88 | $171 |
| Lincoln Continental | $88 | $172 |
| Buick Regal Sportback | $88 | $171 |
| Audi A6 | $90 | $176 |
| Bmw 3-series | $91 | $176 |
| Lexus GS | $91 | $177 |
| Infiniti Q40 | $93 | $181 |
| Audi A5 | $94 | $184 |
| Cadillac CTS | $96 | $187 |
| Bmw 5-series | $97 | $188 |
| Lexus ES | $97 | $189 |
| Acura RLX | $104 | $203 |
| Volvo S60 | $105 | $204 |
| BMW M5 | $107 | $208 |
| Genesis G80 | $111 | $216 |
| Audi S6 | $111 | $218 |
| Acura TLX | $112 | $218 |
| Mercedes CLS | $116 | $227 |
| Infiniti Q70 | $118 | $229 |
| Cadillac CT5 | $118 | $231 |
| Audi S7 | $124 | $244 |
| Jaguar XF | $125 | $242 |
| Mercedes EQE | $124 | $243 |
| Cadillac STS | $126 | $244 |
| Audi A7 | $128 | $250 |
| Bmw i4 | $130 | $254 |
| Bmw M5 | $132 | $259 |
| Bmw 6-series | $137 | $267 |
| Volvo S90 | $138 | $269 |
| Audi RS 7 | $150 | $295 |
| Maserati Ghibili | $184 | $362 |
| Cadillac CT5-V | $247 | $482 |
| Cadillac CTS-V | $276 | $538 |
Factors That Affect BMW Car Insurance Costs
Several factors influence how much you'll pay for BMW M5 insurance coverage:
- Age (median 56): Mature drivers typically qualify for lower rates than younger performance car buyers
- Gender (predominantly male): Male ownership correlates with higher risk-taking behaviors in performance vehicles
- Income ($250,000+ household average): High-income drivers often select higher coverage limits, though financial stability reduces payment risk
Average Repair or Replacement Costs
BMW ranks 33rd in repair affordability among 59 U.S. automakers with median annual costs of $1,423, contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The 2025 BMW M5's revolutionary M Hybrid powertrain produces 717 horsepower and 738 lb-ft of torque, combining a twin-turbo 4.4-liter V8 with a 194-hp electric motor. This extreme performance capability (0 to 60 mph in 3.4 seconds, top speed up to 190 mph with M Driver's Package) increases insurance premiums.
Higher trim options like carbon-ceramic brakes ($8,500), M Driver's Package ($2,500), and Executive Package ($1,850) add substantial replacement costs, driving up comprehensive and collision coverage rates.
Fuel Type
The M5's first-ever plug-in hybrid system creates unique insurance considerations. The 14.8-kWh battery pack and 25-mile electric range require specialized repair facilities and technicians trained in high-voltage systems.
Electric motor repairs and battery replacement costs more than traditional powertrains. The hybrid system's complexity means fewer shops can service it, increasing repair costs and insurance premiums. Additionally, the 5,390-pound curb weight (1,100 pounds heavier than previous M5) poses greater property damage potential in accidents.
Location
BMW M5 owners concentrate heavily in affluent metropolitan areas where luxury vehicle theft rates and repair costs run highest. California and Northeast regions show the strongest M5 concentrations, correlating with areas that have elevated insurance rates due to higher collision frequencies, theft risks and specialized repair costs.
Urban areas with BMW M performance centers command premium labor rates for service, while limited technician availability in rural areas can drive up claims costs through extended rental periods and vehicle transport expenses.
Driver Profile
Most BMW M5 drivers are middle-aged professionals (median age 56) with household incomes averaging $250,000+, typically entrepreneurs or high-ranking executives. This demographic generally receives favorable insurance rates due to financial stability and mature driving patterns.
Driver demographics that affect BMW M5 insurance rates:
Cheapest BMW M5 Insurance Companies
M5 drivers can find their most affordable full coverage car insurance through UAIC, which offers average monthly premiums of $184. For those seeking basic minimum coverage, GEICO provides the cheapest option at $96 monthly for M5 owners.
| Kemper | $99 | $205 |
| GEICO | $96 | $211 |
| The Hartford | $113 | $193 |
| Travelers | $109 | $201 |
| UAIC | $147 | $184 |
Cheapest BMW M5 Insurance by State
Overall, we found that the following are the top three cheapest car insurance providers for a BMW M5:
- Travelers: Wins for affordability in nine states
- GEICO: Wins for affordability in nine states
- American National: Wins for affordability in four states
You can filter below to see who offers the most affordable auto insurance rates for your BMW M5.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Country Financial | $85 |
How to Get the Best Cheap BMW M5 Insurance
Here's how to find the most affordable BMW M5 insurance:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your BMW's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and with another provider. You can then find the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your BMW M5, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
BMW M5 owners typically have the financial profile and driving patterns that qualify for multiple insurance discounts. With the average M5 owner earning $250,000+ annually and being over 40 years old, you're likely eligible for several money-saving opportunities that can knock hundreds off your premium.
- Professional/occupational discount (5% to15%): M5 owners frequently work in high-earning professional fields that insurance companies reward with discounts. Common M5 owner professions include software developers, attorneys practicing corporate law, investment bankers, property developers and other professional roles that insurers consider lower risk. You may save between $109 and $233 on your annual car insurance bill by getting this discount.
- Bundling/multi-policy discount (15% to 25%): BMW owners have exceptionally high homeownership rates at 90% compared to just 64% to 67% of the general population, with median home values of $317,200. Given M5 owners' even higher income levels ($250,000+ vs. $124,800 for average BMW buyers), they likely own premium properties that benefit from bundling discounts. Combining your M5's auto policy with homeowners insurance can reduce both premiums, often saving $500+ annually, given the luxury status of both your vehicle and property.
- Good driver/safe driver discount (10% to 15%): M5 owners are mature drivers over 40 with established careers and stable lifestyles. This demographic typically maintains cleaner driving records, making them eligible for good driver discounts of 10-15%. The M5's advanced safety features, including anti-lock brakes, daytime running lights, airbags, and traction control systems, help you avoid crashes. BMW M5 drivers with accident-free records can save as much as $614 per year through various safe driving discounts.
- Safety features discount (5% to 15%): Your BMW M5 comes equipped with comprehensive safety technology that insurers recognize. Standard safety features include anti-lock braking systems, multiple airbags, traction control, and electronic stability control. The 2024 BMW 5 Series earned the IIHS Top Safety Pick+ award, demonstrating excellent crashworthiness. These safety features can qualify you for discounts with some insurers.
- Low-mileage discount (5% to 25%): Many M5 owners use their high-performance sedan as a weekend or pleasure vehicle rather than daily transportation. BMW M5 drivers who log between 5,000 and 7,500 miles annually may pay around $93 per month for insurance, whereas those exceeding 10,000 miles annually face higher premiums. If you drive fewer than 7,500 miles per year, you can save.
- 5
Consider alternative car insurance types
BMW M5 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your BMW M5 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
BMW M5 Insurance Cost: Bottom Line
Insuring a BMW M5 costs more than average. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
BMW M5 Insurance Rates: FAQ
Here are answers to common questions about insuring a BMW M5.
What is the average cost of car insurance for a BMW M5?
The BMW M5's average annual insurance cost is $1,581 for state minimum and $3,106 for full coverage.
What company has the cheapest car insurance for a BMW M5?
M5 drivers can find their most affordable full coverage car insurance through UAIC, which offers average monthly premiums of $184. For those seeking basic minimum coverage, GEICO provides the cheapest option at $96 monthly for M5 owners.
Are BMW M5s expensive to insure?
Yes, BMW M5 insurance costs more than most cars. Out of 827 vehicles we track, the M5 ranks 674th for affordability. Among midsize luxury sedans, this model sits at 28th out of 47.
What factors affect insurance costs for BMW M5s?
Repairs cost more because of specialized high-performance parts and advanced materials. Your driving record, credit score and coverage level you choose impact premiums significantly. Location also matters; areas with higher theft rates or fewer BMW-certified repair shops result in increased premiums.
How can I lower BMW M5 insurance costs?
Shop around with multiple insurers as rates vary for M5s, and consider usage-based insurance programs that track your driving habits. Take advantage of BMW's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined BMW M5 Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate BMW M5 insurance costs.
Who We Based These Rates On
These BMW M5 prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.