2014 BMW M5 Car Insurance Calculator

Explore and understand how seemingly small changes impact the cost of car insurance for a 2014 BMW M5. Customize factors such as driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately how changes you make impact the rate.

The average estimated car insurance premium for a 2014 BMW M5 is $2,394 per year, or about $200 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,394

Cost Per Month

$200

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW M5 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2014 BMW M5.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,394
Average Rate
Your Rate
$2,394

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2014 BMW M5 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2014 BMW M5 is $2,394.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2014 BMW M5 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2014 BMW M5 against all other models in the midsize luxury car segment. The BMW M5 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW M5, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW M5.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2014 BMW M5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TSX$1,482-$912
2Acura ILX$1,524-$870
3Lincoln MKZ$1,536-$858
4Acura TL$1,586-$808
5Lexus ES 350$1,718-$676
6Mercedes-Benz CLA250$1,768-$626
7Audi A6$1,802-$592
8Audi S5$1,810-$584
9Mercedes-Benz SLK55 AMG$1,816-$578
10Mercedes-Benz C350$1,888-$506
11Lexus ES 300H$1,902-$492
12BMW 435i$1,930-$464
13Mercedes-Benz E250$1,934-$460
14BMW 428xi$1,936-$458
15Mercedes-Benz E350$1,946-$448
16Infiniti Q50$1,952-$442
17Mercedes-Benz E400$1,956-$438
18Lexus GS 350$1,958-$436
19BMW 528xi$1,962-$432
20BMW 535i$1,972-$422
21Audi RS 5$1,978-$416
22BMW 428i$1,982-$412
23Mercedes-Benz CLA45 AMG$1,986-$408
24Hyundai Genesis$1,988-$406
25Volvo S80$1,994-$400
26BMW 435xi$2,000-$394
27BMW 535xi$2,008-$386
28BMW Activehybrid 5$2,036-$358
29Mercedes-Benz E550$2,042-$352
30Jaguar XF$2,050-$344
31Audi S6$2,064-$330
32Audi S4$2,066-$328
33Cadillac ELR$2,078-$316
34Jaguar XK$2,080-$314
35BMW 528i$2,084-$310
2014 Midsize Luxury Car Average$2,089-$305
36BMW 535d$2,094-$300
37BMW 550i$2,096-$298
38BMW 550xi$2,134-$260
39Audi A7$2,194-$200
40BMW 640i$2,196-$198
41BMW 640xi$2,224-$170
42Mercedes-Benz SL550$2,258-$136
43Audi S7$2,310-$84
44BMW 650xi$2,390-$4
45BMW M5$2,394--
46Jaguar XKR$2,470$76
47BMW M6$2,498$104
48Tesla Model S$2,512$118
49Mercedes-Benz SL63 AMG$2,596$202
50Mercedes-Benz CL63 AMG$2,858$464
51Mercedes-Benz SL65 AMG$3,212$818
52Mercedes-Benz SLS AMG$3,390$996

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2014 M5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 BMW M5.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2014 BMW M5 Insurance Rates by Trim Level
2014 BMW M5 Trim Level Annual Premium Cost Per Month
Sedan$2,394$200

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2014 BMW M5 for different driver ages.

2014 BMW M5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,473$706
17$8,229$686
18$7,407$617
19$6,734$561
20$5,165$430
21$4,929$411
22$4,420$368
23$3,618$302
24$3,424$285
25$2,784$232
30$2,554$213
35$2,458$205
40$2,394$200
45$2,234$186
50$2,116$176
55$1,974$165
60$1,980$165
65$2,110$176
70$2,276$190
75$2,668$222
80$3,284$274

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW M5 trim levels.