2019 BMW M550i Car Insurance Calculator

Find out how different driver and vehicle factors impact the cost of insurance for a 2019 BMW M550i. Experiment with your marital status, location, homeowner status, and credit rating to see the impact on rates. Instantly know how much and why your choice impacts rates.

The average estimated car insurance premium for a 2019 BMW M550i is $2,726 per year, or about $227 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

$2,726

Cost Per Month

$227

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 M550i 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 M550i.

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.

$2,726
Average Rate
Your Rate
$2,726

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 M550i 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 M550i is $2,726.

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 M550i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2019 BMW M550i against all other models in the midsize luxury car segment. The BMW M550i 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 M550i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW M550i.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2019 BMW M550i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$876
2Lexus IS 300$2,006-$720
3Lexus RC 300$2,094-$632
4Lexus ES 350$2,140-$586
5Lincoln MKZ$2,166-$560
6Mercedes-Benz SLC300$2,188-$538
7Mercedes-Benz AMG CLA45$2,198-$528
8Audi A3$2,236-$490
9Mercedes-Benz CLA250$2,260-$466
10Audi S5$2,264-$462
11Mercedes-Benz E300$2,274-$452
12Genesis G80$2,290-$436
13Lexus ES 300H$2,312-$414
14BMW 430i$2,328-$398
15Lexus GS 300$2,368-$358
16Audi A6$2,378-$348
17Audi S4$2,390-$336
18Lexus GS 350$2,396-$330
19Mercedes-Benz CLS450$2,410-$316
20BMW 540i$2,442-$284
21BMW 530i$2,444-$282
22Mercedes-Benz E450$2,474-$252
23Jaguar XF$2,484-$242
2019 Midsize Luxury Car Average$2,497-$229
24BMW 440i$2,498-$228
25Mercedes-Benz AMG C43$2,552-$174
26Mercedes-Benz SL450$2,560-$166
27BMW 530e$2,598-$128
28Infiniti Q50$2,614-$112
29BMW M550i$2,726--
30Audi RS 5$2,738$12
31BMW 640i$2,772$46
32Mercedes-Benz AMG C63$2,782$56
33Tesla Model S$2,788$62
34Lexus GS F$2,914$188
35Mercedes-Benz SL550$2,922$196
36Audi A7$2,946$220
37Lexus LC 500H$2,974$248
38BMW M5$3,134$408
39BMW M6$3,472$746

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 M550i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 BMW M550i.

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 M550i Insurance Rates by Trim Level
2019 BMW M550i Trim Level Annual Premium Cost Per Month
xDrive Sedan$2,726$227

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 M550i for different driver ages.

2019 BMW M550i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,604$800
17$9,422$785
18$8,663$722
19$7,781$648
20$5,992$499
21$5,713$476
22$5,137$428
23$4,112$343
24$3,921$327
25$3,182$265
30$2,928$244
35$2,788$232
40$2,726$227
45$2,530$211
50$2,384$199
55$2,232$186
60$2,242$187
65$2,404$200
70$2,556$213
75$2,964$247
80$3,674$306

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 M550i trim levels.