BMW M850i Car Insurance Calculator

Monitor in real-time how choices you make impact the cost of insurance for a BMW M850i. Experiment with rate factors like liability limits, policy deductibles, and driver age to see how insurance rates are affected. Immediately discover if the choices you make result in higher or lower insurance rates.

The average estimated car insurance premium for a 2024 BMW M850i is $3,780 per year, or about $315 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

$3,780

Cost Per Month

$315

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 M850i 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 BMW M850i.

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.

$3,780
Average Rate
Your Rate
$3,780

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW M850i.

The 'Average Rate' is a combined value for all BMW M850i 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 2024 BMW M850i is $3,780.

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.

2024 BMW M850i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2024 BMW M850i against all other models in the large luxury car segment. The BMW M850i 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 M850i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW M850i.

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

2024 BMW M850i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,782-$998
2Volvo S90$2,870-$910
3Genesis G90$3,076-$704
4Mercedes-Benz AMG E53$3,088-$692
5Mercedes-Benz EQS 450$3,122-$658
6Lexus LS 500$3,220-$560
7Lexus LS 500h$3,262-$518
8BMW 840i$3,354-$426
9BMW i7$3,402-$378
10Audi RS 7$3,524-$256
2024 Large Luxury Car Average$3,748-$32
11BMW M850i$3,780--
12BMW 740i$3,794$14
13BMW 750e$3,806$26
14Mercedes-Benz AMG GT43$3,832$52
15Audi S8$3,878$98
16Mercedes-Benz S500$3,972$192
17Audi A8$3,982$202
18BMW 760i$4,008$228
19Mercedes-Benz S580$4,162$382
20Mercedes-Benz EQS 580$4,230$450
21Mercedes-Benz Maybach S580$4,598$818
22Mercedes-Benz AMG EQS$4,642$862
23Porsche Panamera$4,666$886
24Mercedes-Benz Maybach S680$4,906$1,126

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.

2024 M850i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 BMW M850i.

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.

2024 BMW M850i Insurance Rates by Trim Level
2024 BMW M850i Trim Level Annual Premium Cost Per Month
xDrive Coupe$3,722$310
xDrive Gran Coupe$3,726$311
xDrive Convertible$3,886$324

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 2024 BMW M850i for different driver ages.

2024 BMW M850i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$13,024$1,085
17$12,754$1,063
18$11,691$974
19$10,557$880
20$8,156$680
21$7,789$649
22$7,023$585
23$5,687$474
24$5,413$451
25$4,402$367
30$4,058$338
35$3,874$323
40$3,780$315
45$3,512$293
50$3,314$276
55$3,092$258
60$3,104$259
65$3,310$276
70$3,522$294
75$4,074$340
80$5,000$417

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 M850i trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW M850i.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW M850i Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 BMW M850i$3,780$315
2023 BMW M850i$3,666$306
2022 BMW M850i$3,526$294
2021 BMW M850i$3,342$279
2020 BMW M850i$3,232$269
2019 BMW M850i$3,010$251

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 BMW M850i trim levels for each model year.