2022 BMW M5 Car Insurance Calculator

Discover and learn how different driver, vehicle, and coverage options impact the cost of car insurance for a 2022 BMW M5. Experiment with rate factors like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2022 BMW M5 is $3,696 per year, or about $308 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

$3,696

Cost Per Month

$308

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 2022 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.

$3,696
Average Rate
Your Rate
$3,696

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 2022 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 2022 BMW M5 is $3,696.

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.

2022 BMW M5 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2022 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.

2022 BMW M5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$1,728
2Lexus RC 300$2,370-$1,326
3Mercedes-Benz AMG CLA35$2,424-$1,272
4BMW i4$2,438-$1,258
5Cadillac CT5$2,446-$1,250
6Audi A3$2,472-$1,224
7Mercedes-Benz AMG CLA45$2,482-$1,214
8Mercedes-Benz CLA250$2,494-$1,202
9Lexus ES 250$2,504-$1,192
10Lexus IS 300$2,510-$1,186
11Lexus ES 350$2,518-$1,178
12Audi S5$2,596-$1,100
13Audi S4$2,612-$1,084
14BMW 530i$2,650-$1,046
15Lexus ES 300h$2,660-$1,036
16Genesis G80$2,674-$1,022
17Mercedes-Benz E350$2,676-$1,020
18BMW 530e$2,702-$994
19BMW 540i$2,708-$988
20BMW M440i$2,720-$976
21Mercedes-Benz E450$2,732-$964
22Audi A6$2,804-$892
23Jaguar XF$2,812-$884
2022 Midsize Luxury Car Average$2,819-$877
24Lexus IS 500$2,846-$850
25BMW 430i$2,876-$820
26Mercedes-Benz CLS450$2,896-$800
27Infiniti Q50$3,008-$688
28Audi RS 5$3,040-$656
29Mercedes-Benz AMG C43$3,060-$636
30Audi S6$3,082-$614
31Mercedes-Benz AMG C63$3,156-$540
32Audi A7$3,252-$444
33BMW M550i$3,282-$414
34Lexus LC 500h$3,348-$348
35Tesla Model S$3,408-$288
36Audi S7$3,526-$170
37BMW M8$3,656-$40
38BMW M5$3,696--

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.

2022 M5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 BMW M5 Insurance Rates by Trim Level
2022 BMW M5 Trim Level Annual Premium Cost Per Month
Sedan$3,632$303
Competition Sedan$3,760$313

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 2022 BMW M5 for different driver ages.

2022 BMW M5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,951$1,079
17$12,647$1,054
18$11,520$960
19$10,413$868
20$8,019$668
21$7,654$638
22$6,880$573
23$5,581$465
24$5,304$442
25$4,304$359
30$3,964$330
35$3,792$316
40$3,696$308
45$3,442$287
50$3,250$271
55$3,034$253
60$3,044$254
65$3,252$271
70$3,478$290
75$4,050$338
80$4,988$416

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.