Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

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

  • Average full coverage auto insurance premium: $194/month

  • Most affordable companies: Erie ($140/month) & GEICO ($151/month)

  • 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.

Free Auto Insurance Comparison

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:

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 scoretype 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

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • 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.

2021 BMW 5 Series

Cheapest Insurance CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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 CompaniesAverage 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