Bmw 5 Series Car Insurance Cost
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Written by
Leslie Kasperowicz
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Reviewed by
Joel Ohman
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UPDATED: Jun 17, 2021
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Looking for a new or used BMW 5 Series? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.
BMW 5 Series insurance facts
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Average full coverage auto insurance premium: $194/month
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Most affordable companies: Erie ($140/month) & GEICO ($151/month)
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5 Series car insurance cost vs. average rate: $18 more expensive than the average vehicle
Explore the pricing information below to find how much it will cost you to insure your BMW 5 Series by model year and auto insurer.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Below average BMW 5 Series insurer costs by state:
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Georgia car insurance – $2,317 per year
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Kentucky car insurance – $1,976 per year
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New York car insurance – $2,976 per year
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Ohio – $1,553 per year
- Tennessee – $1,687 per year
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Virginia – $1,892 per year
Risk factors affecting BMW 5 Series car insurance rates
The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.
How to save money on BMW 5 Series car insurance?
Many driver discounts are available to people through most major auto insurance companies, such as
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Student discounts
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Safe drivers
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Senior discounts
With all BMW models, you can get the following car insurance discounts:
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Passive restraint systems
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Anti-lock brakes
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Anti-theft devices
BMW Luxury Automobile Brand
BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.
Higher than average 5 Series repair costs equal higher car insurance rates
Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW’s driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.
Rapid depreciation for BMW 5 Series affecting auto policies
Another factor to consider for BMW’s, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.
High IIHS and NHTSA safety ratings lower car insurance rates for drivers
BMW’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, five series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.
AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
2021 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| 21st Century | $2615 |
| Allstate | $2319 |
| American Family | $1879 |
| Erie | $1687 |
| GEICO | $1736 |
| Kentucky Farm Bureau | $2469 |
| Liberty Mutual | $2015 |
| Mercury | $2267 |
| Nationwide | $2387 |
| Progressive | $2036 |
| Safeco | $2734 |
| State Farm | $2149 |
| Tennessee Farmers | $2250 |
| Texas Farm Bureau | $2048 |
| The Hanover | $2536 |
| Travelers | $2350 |
| USAA | $1936 |
Compare all 2021 BMW 5 Series rates
Average Cost to Insure Per Year
$2319
List Price
$54200
Trims Available
530e iPerformance - 530i - 530e xDrive iPerformance - 530i xDrive - 540i - 540i xDrive - 540d xDrive - M550i xDrive - Engine: 2.0 L-liter hybrid engine or a 3.0 L-liter hybrid engine, with output up to 335 hp with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist
2020 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| 21st Century | $2254 |
| Allstate | $1899 |
| American Family | $1406 |
| Erie | $1380 |
| GEICO | $1726 |
| Kentucky Farm Bureau | $2094 |
| Liberty Mutual | $1589 |
| Mercury | $1864 |
| Nationwide | $2040 |
| Progressive | $1636 |
| State Farm | $1465 |
| Tennessee Farmers | $1780 |
| Texas Farm Bureau | $1694 |
| The Hanover | $2160 |
| Travelers | $1964 |
| USAA | $1527 |
Compare all 2020 BMW 5 Series rates
Average Cost to Insure Per Year
$2183
List Price
$53900
Trims Available
530e iPerformance - 530i - 530e xDrive iPerformance - 530i xDrive - 540i - 540i xDrive - 540d xDrive - M550i xDrive - Engine: 2.0 L-liter hybrid engine or a 3.0 L-liter hybrid engine, with output up to 335 hp with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist
2019 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| 21st Century | $2245 |
| Allstate | $1840 |
| American Family | $1394 |
| Erie | $1365 |
| GEICO | $1652 |
| Kentucky Farm Bureau | $2059 |
| Liberty Mutual | $1487 |
| Mercury | $1765 |
| Nationwide | $2046 |
| Progressive | $1529 |
| State Farm | $1425 |
| Tennessee Farmers | $1725 |
| Texas Farm Bureau | $1583 |
| The Hanover | $2139 |
| Travelers | $1931 |
| USAA | $1463 |
Compare all 2019 BMW 5 Series rates
Average Cost to Insure Per Year
$2069
List Price
$53400
Trims Available
530e iPerformance - 530i - 530e xDrive iPerformance - 530i xDrive - 540i - 540i xDrive - 540d xDrive - M550i xDrive - Engine: 2.0 L-liter hybrid engine or a 3.0 L-liter hybrid engine, with output up to 335 hp with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist
2018 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1515 |
| Acuity | $ 1515 |
| Allied | $ 1094 |
| Allied | $ 1094 |
| Country | $ 1790 |
| Country | $ 1790 |
| Erie | $ 1291 |
| Erie | $ 1291 |
| GEICO | $ 1279 |
| GEICO | $ 1279 |
| Nationwide | $ 1238 |
| Nationwide | $ 1238 |
| Plymouth Rock Insurance | $ 1678 |
| Plymouth Rock Insurance | $ 1678 |
| Progressive | $ 1402 |
| Progressive | $ 1402 |
| State Farm | $ 1459 |
| State Farm | $ 1459 |
| Tennessee Farmers | $ 1348 |
| Tennessee Farmers | $ 1348 |
| USAA | $ 1441 |
| USAA | $ 1441 |
| Vermont Mutual | $ 1696 |
| Vermont Mutual | $ 1696 |
Compare all 2018 BMW 5 Series rates
Average Cost to Insure Per Year
$ 1727
List Price
$ 52650
Trims Available
530e iPerformance - 530i - 530e xDrive iPerformance - 530i xDrive - 540i - 540i xDrive - 540d xDrive - M550i xDrive
2017 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1624 |
| Acuity | $ 1624 |
| Allied | $ 1572 |
| Allied | $ 1572 |
| Arbella | $ 1872 |
| Arbella | $ 1872 |
| Country | $ 1854 |
| Country | $ 1854 |
| Erie | $ 1370 |
| Erie | $ 1370 |
| Mercury | $ 1820 |
| Mercury | $ 1820 |
| Nationwide | $ 1655 |
| Nationwide | $ 1655 |
| Plymouth Rock Insurance | $ 1622 |
| Plymouth Rock Insurance | $ 1622 |
| State Farm | $ 1838 |
| State Farm | $ 1838 |
| Tennessee Farmers | $ 1600 |
| Tennessee Farmers | $ 1600 |
| USAA | $ 1685 |
| USAA | $ 1685 |
| Vermont Mutual | $ 1764 |
| Vermont Mutual | $ 1764 |
Compare all 2017 BMW 5 Series rates
Average Cost to Insure Per Year
$ 2621
List Price
$ 51200
Trims Available
530i - 530i xDrive - 540i - 540i xDrive - 535i Gran Turismo - 535i xDrive Gran Turismo - 550i xDrive Gran Turismo
2016 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1495 |
| Acuity | $ 1495 |
| Allied | $ 1741 |
| Allied | $ 1741 |
| Country | $ 1668 |
| Country | $ 1668 |
| Erie | $ 1109 |
| Erie | $ 1109 |
| GEICO | $ 1408 |
| GEICO | $ 1408 |
| Nationwide | $ 1473 |
| Nationwide | $ 1473 |
| Plymouth Rock Insurance | $ 1588 |
| Plymouth Rock Insurance | $ 1588 |
| Progressive | $ 1480 |
| Progressive | $ 1480 |
| State Farm | $ 1508 |
| State Farm | $ 1508 |
| Tennessee Farmers | $ 1310 |
| Tennessee Farmers | $ 1310 |
| USAA | $ 1458 |
| USAA | $ 1458 |
| Vermont Mutual | $ 1603 |
| Vermont Mutual | $ 1603 |
Compare all 2016 BMW 5 Series rates
Average Cost to Insure Per Year
$ 1901
List Price
$ 50200
Trims Available
528i - 528i xDrive - 535i - 535d - 535i xDrive - 535d xDrive - 535i Gran Turismo - ActiveHybrid 5 - 535i xDrive Gran Turismo - 550i - 550i xDrive - 550i xDrive Gran Turismo
2015 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1439 |
| Acuity | $ 1439 |
| Arbella | $ 1753 |
| Arbella | $ 1753 |
| Country | $ 1628 |
| Country | $ 1628 |
| Erie | $ 1086 |
| Erie | $ 1086 |
| GEICO | $ 1451 |
| GEICO | $ 1451 |
| Nationwide | $ 1522 |
| Nationwide | $ 1522 |
| Plymouth Rock Insurance | $ 1549 |
| Plymouth Rock Insurance | $ 1549 |
| Progressive | $ 1505 |
| Progressive | $ 1505 |
| State Farm | $ 1327 |
| State Farm | $ 1327 |
| Tennessee Farmers | $ 1527 |
| Tennessee Farmers | $ 1527 |
| USAA | $ 1385 |
| USAA | $ 1385 |
| Vermont Mutual | $ 1529 |
| Vermont Mutual | $ 1529 |
Compare all 2015 BMW 5 Series rates
Average Cost to Insure Per Year
$ 1871
List Price
$ 49950
Trims Available
528i - 528i xDrive - 535i - 535d - 535i xDrive - 535d xDrive - 535i Gran Turismo - ActiveHybrid 5 - 535i xDrive Gran Turismo - 550i - 550i xDrive - 550i Gran Turismo - 550i xDrive Gran Turismo
2014 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1393 |
| Acuity | $ 1393 |
| Arbella | $ 1709 |
| Arbella | $ 1709 |
| Country | $ 1607 |
| Country | $ 1607 |
| Erie | $ 1069 |
| Erie | $ 1069 |
| GEICO | $ 1437 |
| GEICO | $ 1437 |
| Nationwide | $ 1568 |
| Nationwide | $ 1568 |
| Plymouth Rock Insurance | $ 1520 |
| Plymouth Rock Insurance | $ 1520 |
| Progressive | $ 1616 |
| Progressive | $ 1616 |
| State Farm | $ 1355 |
| State Farm | $ 1355 |
| Tennessee Farmers | $ 1515 |
| Tennessee Farmers | $ 1515 |
| USAA | $ 1378 |
| USAA | $ 1378 |
| Vermont Mutual | $ 1477 |
| Vermont Mutual | $ 1477 |
Compare all 2014 BMW 5 Series rates
Average Cost to Insure Per Year
$ 1891
List Price
$ 49500
Trims Available
528i - 528i xDrive - 535i - 535d - 535i xDrive - 535d xDrive - 535i Gran Turismo - ActiveHybrid 5 - 535i xDrive Gran Turismo - 550i - 550i xDrive - 550i Gran Turismo - 550i xDrive Gran Turismo
2013 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1325 |
| Acuity | $ 1325 |
| Arbella | $ 1562 |
| Arbella | $ 1562 |
| Country | $ 1581 |
| Country | $ 1581 |
| Erie | $ 999 |
| Erie | $ 999 |
| GEICO | $ 1244 |
| GEICO | $ 1244 |
| Nationwide | $ 1497 |
| Nationwide | $ 1497 |
| Plymouth Rock Insurance | $ 1585 |
| Plymouth Rock Insurance | $ 1585 |
| Progressive | $ 1453 |
| Progressive | $ 1453 |
| State Farm | $ 1286 |
| State Farm | $ 1286 |
| Tennessee Farmers | $ 1442 |
| Tennessee Farmers | $ 1442 |
| USAA | $ 1212 |
| USAA | $ 1212 |
| Vermont Mutual | $ 1380 |
| Vermont Mutual | $ 1380 |
Compare all 2013 BMW 5 Series rates
Average Cost to Insure Per Year
$ 1734
List Price
$ 47500
Trims Available
528i - 528i xDrive - 535i - 535i xDrive - 535i Gran Turismo - 535i xDrive Gran Turismo - ActiveHybrid 5 - 550i - 550i xDrive - 550i Gran Turismo - 550i xDrive Gran Turismo
2012 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1253 |
| Acuity | $ 1253 |
| Arbella | $ 1549 |
| Arbella | $ 1549 |
| Country | $ 1516 |
| Country | $ 1516 |
| Erie | $ 985 |
| Erie | $ 985 |
| GEICO | $ 1295 |
| GEICO | $ 1295 |
| Nationwide | $ 1541 |
| Nationwide | $ 1541 |
| Plymouth Rock Insurance | $ 1403 |
| Plymouth Rock Insurance | $ 1403 |
| Southern Farm Bureau | $ 1573 |
| Southern Farm Bureau | $ 1573 |
| State Farm | $ 1255 |
| State Farm | $ 1255 |
| Tennessee Farmers | $ 1400 |
| Tennessee Farmers | $ 1400 |
| USAA | $ 1175 |
| USAA | $ 1175 |
| Vermont Mutual | $ 1283 |
| Vermont Mutual | $ 1283 |
Compare all 2012 BMW 5 Series rates
Average Cost to Insure Per Year
$ 1773
List Price
$ 46900
Trims Available
528i - 528i xDrive - 535i - 535i xDrive - 535i Gran Turismo - 535i xDrive Gran Turismo - ActiveHybrid 5 - 550i - 550i xDrive - 550i Gran Turismo - 550i xDrive Gran Turismo
2011 BMW 5 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Acuity | $ 1356 |
| Acuity | $ 1356 |
| Arbella | $ 1302 |
| Arbella | $ 1302 |
| Country | $ 1392 |
| Country | $ 1392 |
| Erie | $ 877 |
| Erie | $ 877 |
| GEICO | $ 1061 |
| GEICO | $ 1061 |
| Nationwide | $ 1408 |
| Nationwide | $ 1408 |
| Plymouth Rock Insurance | $ 1355 |
| Plymouth Rock Insurance | $ 1355 |
| Southern Farm Bureau | $ 1444 |
| Southern Farm Bureau | $ 1444 |
| State Farm | $ 1223 |
| State Farm | $ 1223 |
| Tennessee Farmers | $ 1291 |
| Tennessee Farmers | $ 1291 |
| USAA | $ 1065 |
| USAA | $ 1065 |
| Vermont Mutual | $ 1144 |
| Vermont Mutual | $ 1144 |
Compare all 2011 BMW 5 Series rates
Average Cost to Insure Per Year
$ 1634
List Price
$ 44550
Trims Available
528i - 535i - 535i xDrive - 535i Gran Turismo - 535i xDrive Gran Turismo - 550i - 550i xDrive - 550i Gran Turismo - 550i xDrive Gran Turismo