2021 BMW M5 Car Insurance Calculator

Understand how the choices you make influence insurance rates for a 2021 BMW M5. Make changes to factors like coverage deductibles, age of the driver, and policy discounts to learn how each impacts cost. Immediately see if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2021 BMW M5 is $3,612 per year, or about $301 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

$3,612

Cost Per Month

$301

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 2021 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.

$3,612
Average Rate
Your Rate
$3,612

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 2021 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 2021 BMW M5 is $3,612.

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.

2021 BMW M5 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2021 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.

2021 BMW M5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,946-$1,666
2Lexus RC 300$2,240-$1,372
3Lexus ES 350$2,310-$1,302
4Mercedes-Benz AMG CLA45$2,322-$1,290
5Lexus IS 300$2,352-$1,260
6Audi A3$2,386-$1,226
7Cadillac CT5$2,428-$1,184
8Audi S5$2,494-$1,118
9Mercedes-Benz E350$2,568-$1,044
10Lexus ES 300H$2,606-$1,006
11Audi S4$2,630-$982
12BMW 530i$2,638-$974
13BMW 540i$2,668-$944
14Mercedes-Benz CLA250$2,682-$930
15Genesis G80$2,692-$920
16Audi A6$2,698-$914
17Mercedes-Benz E450$2,732-$880
18BMW 430i$2,754-$858
19Jaguar XF$2,756-$856
20Mercedes-Benz CLS450$2,790-$822
2021 Midsize Luxury Car Average$2,813-$799
21Mercedes-Benz AMG C43$2,880-$732
22BMW 440i$2,894-$718
23Audi RS 5$2,926-$686
24Audi S6$2,994-$618
25Infiniti Q50$3,016-$596
26BMW 530e$3,032-$580
27Mercedes-Benz AMG C63$3,158-$454
28BMW M550i$3,220-$392
29Tesla Model S$3,298-$314
30Audi A7$3,344-$268
31Lexus LC 500H$3,432-$180
32Audi S7$3,562-$50
33BMW M8$3,576-$36
34BMW M5$3,612--

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.

2021 M5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW M5 Insurance Rates by Trim Level
2021 BMW M5 Trim Level Annual Premium Cost Per Month
Rear Entertainment Sedan$3,564$297
Sedan$3,564$297
Competition Sedan$3,630$303
Competition Rear Entertainment Sedan$3,692$308

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 2021 BMW M5 for different driver ages.

2021 BMW M5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,696$1,058
17$12,394$1,033
18$11,283$940
19$10,199$850
20$7,851$654
21$7,492$624
22$6,733$561
23$5,458$455
24$5,185$432
25$4,208$351
30$3,872$323
35$3,704$309
40$3,612$301
45$3,362$280
50$3,176$265
55$2,966$247
60$2,976$248
65$3,178$265
70$3,402$284
75$3,968$331
80$4,888$407

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.