2020 BMW M5 Car Insurance Calculator

Learn and understand how decisions you make impact car insurance rates for a 2020 BMW M5. Experiment with credit rating, policy coverages, liability limits, and coverage deductibles to see the impact on rates. Know immediately how much rates change and learn exactly why.

The average estimated car insurance premium for a 2020 BMW M5 is $3,494 per year, or about $291 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

$3,494

Cost Per Month

$291

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 2020 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.

$3,494
Average Rate
Your Rate
$3,494

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 2020 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 2020 BMW M5 is $3,494.

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.

2020 BMW M5 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2020 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.

2020 BMW M5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$1,608
2Lexus RC 300$2,168-$1,326
3Mercedes-Benz SLC300$2,230-$1,264
4Lexus ES 350$2,238-$1,256
5Lincoln MKZ$2,248-$1,246
6Mercedes-Benz AMG CLA45$2,268-$1,226
7Jaguar XE$2,272-$1,222
8Lexus IS 300$2,276-$1,218
9Audi A3$2,316-$1,178
10Cadillac CT5$2,354-$1,140
11Audi S5$2,414-$1,080
12Lexus GS 350$2,478-$1,016
13Mercedes-Benz E350$2,488-$1,006
14Lexus ES 300H$2,526-$968
15Audi S4$2,550-$944
16BMW 530i$2,558-$936
17BMW 540i$2,582-$912
18Mercedes-Benz CLA250$2,598-$896
19Genesis G80$2,604-$890
20Audi A6$2,614-$880
21Mercedes-Benz E450$2,644-$850
22BMW 430i$2,666-$828
23Mercedes-Benz CLS450$2,700-$794
24Jaguar XF$2,702-$792
2020 Midsize Luxury Car Average$2,704-$790
25BMW 440i$2,796-$698
26Mercedes-Benz AMG C43$2,804-$690
27Mercedes-Benz SL450$2,822-$672
28Audi RS 5$2,838-$656
29Audi S6$2,898-$596
30Infiniti Q50$2,926-$568
31BMW 530e$2,942-$552
32Lexus GS F$3,016-$478
33Mercedes-Benz AMG C63$3,056-$438
34BMW M550i$3,110-$384
35Mercedes-Benz SL550$3,136-$358
36Tesla Model S$3,192-$302
37Audi A7$3,236-$258
38Lexus LC 500H$3,320-$174
39Audi S7$3,444-$50
40BMW M8$3,448-$46
41BMW M5$3,494--

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.

2020 M5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 BMW M5 Insurance Rates by Trim Level
2020 BMW M5 Trim Level Annual Premium Cost Per Month
Rear Entertainment Sedan$3,446$287
Sedan$3,446$287
Competition Sedan$3,508$292
Competition Rear Entertainment Sedan$3,572$298

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 2020 BMW M5 for different driver ages.

2020 BMW M5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,298$1,025
17$11,999$1,000
18$10,909$909
19$9,867$822
20$7,589$632
21$7,244$604
22$6,509$542
23$5,281$440
24$5,014$418
25$4,068$339
30$3,746$312
35$3,584$299
40$3,494$291
45$3,254$271
50$3,072$256
55$2,870$239
60$2,880$240
65$3,076$256
70$3,296$275
75$3,846$321
80$4,738$395

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.