2020 BMW M850i Car Insurance Calculator

Explore and learn how the choices you make impact the cost of car insurance for a 2020 BMW M850i. Make changes to factors like credit rating, policy coverages, and liability limits and watch the impact on your premiums. See instantly if your choice raises or lowers your rate and learn exactly why.

The average estimated car insurance premium for a 2020 BMW M850i is $3,232 per year, or about $269 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

$3,232

Cost Per Month

$269

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 2020 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.

$3,232
Average Rate
Your Rate
$3,232

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 2020 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 2020 BMW M850i is $3,232.

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.

2020 BMW M850i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2020 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.

2020 BMW M850i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,284-$948
2Lincoln Continental$2,372-$860
3Volvo S90$2,438-$794
4Cadillac CT6$2,516-$716
5Acura RLX$2,638-$594
6Lexus LS 500H$2,744-$488
7Kia K900$2,796-$436
8Lexus LS 500$2,886-$346
9Infiniti Q60$2,934-$298
10Mercedes-Benz AMG E53$2,938-$294
11Genesis G90$2,950-$282
12Mercedes-Benz AMG CLS53$3,016-$216
13BMW 840i$3,082-$150
2020 Large Luxury Car Average$3,122-$110
14Mercedes-Benz S450$3,214-$18
15BMW M850i$3,232--
16BMW 740i$3,340$108
17BMW 850i$3,368$136
18Mercedes-Benz E63 AMG$3,384$152
19Porsche Panamera$3,518$286
20Audi A8$3,578$346
21Mercedes-Benz S560$3,614$382
22BMW 750i$3,628$396
23BMW M760i$4,094$862
24Mercedes-Benz AMG S63$4,374$1,142

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.

2020 M850i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 BMW M850i Insurance Rates by Trim Level
2020 BMW M850i Trim Level Annual Premium Cost Per Month
xDrive Gran Coupe$3,202$267
xDrive Coupe$3,264$272

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 2020 BMW M850i for different driver ages.

2020 BMW M850i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$11,335$945
17$11,076$923
18$10,097$841
19$9,120$760
20$7,024$585
21$6,704$559
22$6,027$502
23$4,879$407
24$4,638$387
25$3,768$314
30$3,464$289
35$3,314$276
40$3,232$269
45$3,006$251
50$2,838$237
55$2,652$221
60$2,660$222
65$2,844$237
70$3,040$253
75$3,538$295
80$4,358$363

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.