2022 BMW M550i Car Insurance Calculator

Get instant feedback how different factors affect the cost of insurance for a 2022 BMW M550i. Fine-tune factors like liability limits, policy deductibles, driver age, and policy discounts. Instantly know why rates change and by how much.

The average estimated car insurance premium for a 2022 BMW M550i is $3,282 per year, or about $274 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

$3,282

Cost Per Month

$274

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 2022 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.

$3,282
Average Rate
Your Rate
$3,282

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 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 2022 BMW M550i is $3,282.

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 M550i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2022 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.

2022 BMW M550i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$1,314
2Lexus RC 300$2,370-$912
3Mercedes-Benz AMG CLA35$2,424-$858
4BMW i4$2,438-$844
5Cadillac CT5$2,446-$836
6Audi A3$2,472-$810
7Mercedes-Benz AMG CLA45$2,482-$800
8Mercedes-Benz CLA250$2,494-$788
9Lexus ES 250$2,504-$778
10Lexus IS 300$2,510-$772
11Lexus ES 350$2,518-$764
12Audi S5$2,596-$686
13Audi S4$2,612-$670
14BMW 530i$2,650-$632
15Lexus ES 300h$2,660-$622
16Genesis G80$2,674-$608
17Mercedes-Benz E350$2,676-$606
18BMW 530e$2,702-$580
19BMW 540i$2,708-$574
20BMW M440i$2,720-$562
21Mercedes-Benz E450$2,732-$550
22Audi A6$2,804-$478
23Jaguar XF$2,812-$470
2022 Midsize Luxury Car Average$2,819-$463
24Lexus IS 500$2,846-$436
25BMW 430i$2,876-$406
26Mercedes-Benz CLS450$2,896-$386
27Infiniti Q50$3,008-$274
28Audi RS 5$3,040-$242
29Mercedes-Benz AMG C43$3,060-$222
30Audi S6$3,082-$200
31Mercedes-Benz AMG C63$3,156-$126
32Audi A7$3,252-$30
33BMW M550i$3,282--
34Lexus LC 500h$3,348$66
35Tesla Model S$3,408$126
36Audi S7$3,526$244
37BMW M8$3,656$374
38BMW M5$3,696$414

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 M550i Insurance Rates by Trim Level

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

2022 BMW M550i Insurance Rates by Trim Level
2022 BMW M550i Trim Level Annual Premium Cost Per Month
xDrive Sedan$3,282$274

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 M550i for different driver ages.

2022 BMW M550i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,565$964
17$11,339$945
18$10,411$868
19$9,359$780
20$7,211$601
21$6,876$573
22$6,187$516
23$4,961$413
24$4,730$394
25$3,834$320
30$3,526$294
35$3,360$280
40$3,282$274
45$3,050$254
50$2,872$239
55$2,686$224
60$2,700$225
65$2,894$241
70$3,080$257
75$3,578$298
80$4,426$369

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.