2019 BMW M5 Car Insurance Calculator

See in real-time how life choices affect car insurance rates for a 2019 BMW M5. Tailor settings like liability limits, policy deductibles, and driver age to understand how each affects your rate. Immediately discover if the choice you make raises or lowers the cost of insurance.

The average estimated car insurance premium for a 2019 BMW M5 is $3,134 per year, or about $261 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

$3,134

Cost Per Month

$261

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 2019 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.

$3,134
Average Rate
Your Rate
$3,134

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 2019 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 2019 BMW M5 is $3,134.

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.

2019 BMW M5 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2019 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.

2019 BMW M5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$1,284
2Lexus IS 300$2,006-$1,128
3Lexus RC 300$2,094-$1,040
4Lexus ES 350$2,140-$994
5Lincoln MKZ$2,166-$968
6Mercedes-Benz SLC300$2,188-$946
7Mercedes-Benz AMG CLA45$2,198-$936
8Audi A3$2,236-$898
9Mercedes-Benz CLA250$2,260-$874
10Audi S5$2,264-$870
11Mercedes-Benz E300$2,274-$860
12Genesis G80$2,290-$844
13Lexus ES 300H$2,312-$822
14BMW 430i$2,328-$806
15Lexus GS 300$2,368-$766
16Audi A6$2,378-$756
17Audi S4$2,390-$744
18Lexus GS 350$2,396-$738
19Mercedes-Benz CLS450$2,410-$724
20BMW 540i$2,442-$692
21BMW 530i$2,444-$690
22Mercedes-Benz E450$2,474-$660
23Jaguar XF$2,484-$650
2019 Midsize Luxury Car Average$2,497-$637
24BMW 440i$2,498-$636
25Mercedes-Benz AMG C43$2,552-$582
26Mercedes-Benz SL450$2,560-$574
27BMW 530e$2,598-$536
28Infiniti Q50$2,614-$520
29BMW M550i$2,726-$408
30Audi RS 5$2,738-$396
31BMW 640i$2,772-$362
32Mercedes-Benz AMG C63$2,782-$352
33Tesla Model S$2,788-$346
34Lexus GS F$2,914-$220
35Mercedes-Benz SL550$2,922-$212
36Audi A7$2,946-$188
37Lexus LC 500H$2,974-$160
38BMW M5$3,134--
39BMW M6$3,472$338

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.

2019 M5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 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.

2019 BMW M5 Insurance Rates by Trim Level
2019 BMW M5 Trim Level Annual Premium Cost Per Month
Competition Sedan$3,076$256
Sedan$3,194$266

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 2019 BMW M5 for different driver ages.

2019 BMW M5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,068$922
17$10,810$901
18$9,848$821
19$8,894$741
20$6,841$570
21$6,525$544
22$5,861$488
23$4,739$395
24$4,502$375
25$3,654$305
30$3,358$280
35$3,212$268
40$3,134$261
45$2,914$243
50$2,754$230
55$2,572$214
60$2,582$215
65$2,760$230
70$2,956$246
75$3,448$287
80$4,256$355

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.