2018 BMW M5 Car Insurance Calculator

View in real-time how seemingly small changes impact the cost of insurance for a 2018 BMW M5. Experiment with coverage deductibles, age of the driver, policy discounts, and trim level options to see the impact on rates. Get instant feedback if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2018 BMW M5 is $3,034 per year, or about $253 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

$3,034

Cost Per Month

$253

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 2018 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.

$3,034
Average Rate
Your Rate
$3,034

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 2018 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 2018 BMW M5 is $3,034.

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.

2018 BMW M5 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 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.

2018 BMW M5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$1,278
2Lexus IS 300$1,908-$1,126
3Lexus RC 300$1,992-$1,042
4Mercedes-Benz SLC300$2,058-$976
5Lexus ES 350$2,062-$972
6Mercedes-Benz AMG CLA45$2,076-$958
7Audi S5$2,114-$920
8Audi A3$2,126-$908
9Mercedes-Benz CLA250$2,136-$898
10Mercedes-Benz C350E$2,146-$888
11Lincoln MKZ$2,158-$876
12Mercedes-Benz E300$2,162-$872
13Lexus ES 300H$2,170-$864
14Genesis G80$2,174-$860
15BMW 430i$2,190-$844
16Audi A6$2,212-$822
17Audi S4$2,224-$810
18Lexus GS 300$2,260-$774
19Jaguar XE$2,262-$772
20Lexus GS 350$2,282-$752
21BMW 530i$2,288-$746
22BMW 540xi$2,298-$736
23BMW 540i$2,304-$730
24BMW 440i$2,334-$700
25Jaguar XF$2,354-$680
26Mercedes-Benz AMG C43$2,410-$624
27Mercedes-Benz SL450$2,430-$604
28Mercedes-Benz E400$2,442-$592
29Infiniti Q50$2,450-$584
2018 Midsize Luxury Car Average$2,459-$575
30BMW 530e$2,460-$574
31Audi RS 5$2,490-$544
32Mercedes-Benz AMG E43$2,500-$534
33BMW 530xi$2,504-$530
34BMW M550i$2,582-$452
35Mercedes-Benz AMG C63$2,634-$400
36BMW 640xi$2,642-$392
37Audi S6$2,662-$372
38BMW 640i$2,712-$322
39Mercedes-Benz SL550$2,762-$272
40Lexus GS F$2,772-$262
41Tesla Model S$2,810-$224
42Lexus LC 500H$2,834-$200
43Audi A7$2,844-$190
44BMW 650xi$2,848-$186
45Audi S7$3,022-$12
46BMW M5$3,034--
47BMW M6$3,228$194
48Mercedes-Benz SL63 AMG$3,280$246
49Mercedes-Benz SL65 AMG$4,084$1,050

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.

2018 M5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 BMW M5 Insurance Rates by Trim Level
2018 BMW M5 Trim Level Annual Premium Cost Per Month
Sedan$3,034$253

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 2018 BMW M5 for different driver ages.

2018 BMW M5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,690$891
17$10,434$870
18$9,496$791
19$8,583$715
20$6,603$550
21$6,298$525
22$5,660$472
23$4,585$382
24$4,355$363
25$3,536$295
30$3,250$271
35$3,110$259
40$3,034$253
45$2,822$235
50$2,666$222
55$2,492$208
60$2,500$208
65$2,672$223
70$2,860$238
75$3,338$278
80$4,114$343

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.