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
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.
| Touring | $240 | $474 |
| Sedan 4d | $112 | $219 |
| Competition Sedan 4d | $121 | $240 |
| Cs Sedan 4d | $211 | $417 |
| M5 | $235 | $466 |
Compare Personalized BMW M5 Insurance Costs
We've organized BMW M5 insurance costs by model year and trim for accurate personalization.
Data filtered by:
2000
Sedan 4d
| Sedan 4d | $79 | $153 |
BMW M5 Insurance Cost by Company
BMW M5 insurance costs vary by provider. Minimum coverage ranges from $96 to $190 per month, and full coverage runs $184 to $441. Each insurer uses its own risk model, which is why rates differ so much for the same car.
| 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 rates range from $55 per month 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. Drivers under 25 pay around $651 per month for full coverage, more than twice what drivers ages 26 to 64 pay at $259.
| Adult Drivers | $132 | $259 |
| Drivers With a Speeding Ticket | $164 | $324 |
| Senior Drivers | $176 | $327 |
| Drivers With an Accident | $194 | $379 |
| Drivers With a DUI | $243 | $472 |
| Drivers With Bad Credit | $322 | $651 |
| Young Drivers | $335 | $651 |
Is a BMW M5 Expensive to Insure?
The BMW M5 ranks 674th out of 827 vehicles for affordability, putting it among the pricier cars to insure. Among midsize luxury sedans, it 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 |
| Mercedes EQE | $124 | $243 |
| Jaguar XF | $125 | $242 |
| 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
A few key factors drive BMW M5 insurance costs higher than average:
- 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
UAIC offers the lowest full coverage rate for M5 drivers at $184 per month. For minimum coverage, GEICO comes in at $96 per month.
| GEICO | $96 | $211 |
| Kemper | $99 | $205 |
| Travelers | $109 | $201 |
| The Hartford | $113 | $193 |
| UAIC | $147 | $184 |
Cheapest BMW M5 Insurance by State
Travelers and GEICO each offer the lowest rates in nine states. American National leads in four states.
You can filter below to see who offers the most affordable auto insurance rates for your BMW M5.
Data filtered by:
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:
- 1Choose the right coverage
Three things determine how much coverage to buy: your BMW's current value, how much you drive and what you can afford.
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
- 2Research costs and cheap companies
Look up average auto insurance costs before you shop. Knowing the benchmarks helps you spot the cheapest car insurance companies and recognize when a quote is overpriced.
- 3Look for more than just low rates
To get the most balanced car insurance for your BMW M5, check J.D. Power satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings. Also scan forum reviews for real claims experiences.
Some low-cost insurers process claims slowly or cap coverage in ways that leave you short after an accident.
- 4Explore discounts you qualify for
M5 owners are well-positioned to stack discounts. Most are over 40, earn above $250,000 and drive fewer miles than the average policyholder, a profile that checks several boxes at once.
- Professional/occupational discount (5% to15%): Insurers reward certain careers with lower rates. M5 owners often work in fields that qualify: software development, corporate law, investment banking and real estate development. This discount can save $109 to $233 per year.
- Bundling/multi-policy discount (15% to 25%): BMW owners have a 90% homeownership rate, well above the 64% to 67% national average. Bundling your M5's auto policy with homeowners insurance can save $500 or more per year, and M5 owners with high-value properties tend to see the biggest savings.
- Good driver/safe driver discount (10% to 15%): Drivers over 40 with clean records qualify for good driver discounts of 10% to 15%. M5 owners with no accidents on file can save up to $614 per year.
- Safety features discount (5% to 15%): The M5 comes with anti-lock brakes, multiple airbags, traction control and electronic stability control. The 2024 BMW 5 Series earned IIHS Top Safety Pick+. Some insurers apply a discount for these features automatically; others require you to ask.
- Low-mileage discount (5% to 25%): Many M5 owners drive their car on weekends rather than daily. Drivers logging 5,000 to 7,500 miles per year pay around $93 per month. If you're under 7,500 miles annually, ask about low-mileage pricing.
- 5Consider 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.
- 6Check 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?
Compare quotes from at least three insurers; rates vary more for M5s than for most cars. Ask your insurer about safety feature discounts, bundle with a home policy and keep a clean record. Usage-based programs like Progressive Snapshot can also trim costs if you're a low-mileage driver.
How We Determined BMW M5 Insurance Costs
MoneyGeek analyzed hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to calculate BMW M5 insurance costs.
Who We Based These Rates On
These rates reflect a sample driver profile:
- 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!