2022 BMW M850i Car Insurance Calculator

Monitor in real-time how life choices impact the cost of insurance for a 2022 BMW M850i. Customize factors such as policy coverages, liability limits, and deductibles to see how rates are affected. Instantly discover if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2022 BMW M850i is $3,526 per year, or about $294 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

$3,526

Cost Per Month

$294

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 2022 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.

$3,526
Average Rate
Your Rate
$3,526

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 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 2022 BMW M850i is $3,526.

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 M850i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2022 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.

2022 BMW M850i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,510-$1,016
2Volvo S90$2,768-$758
3Lexus LS 500$2,874-$652
4Mercedes-Benz AMG E53$2,922-$604
5Genesis G90$2,928-$598
6Mercedes-Benz AMG GT43$2,986-$540
7Lexus LS 500h$3,074-$452
8BMW 840i$3,094-$432
9BMW 745e$3,150-$376
10Mercedes-Benz EQS 450$3,226-$300
11Infiniti Q60$3,236-$290
12Mercedes-Benz S500$3,276-$250
13Audi RS 7$3,282-$244
14Mercedes-Benz EQS 580$3,306-$220
2022 Large Luxury Car Average$3,380-$146
15BMW M850i$3,526--
16Mercedes-Benz S580$3,532$6
17BMW 740i$3,560$34
18Audi S8$3,612$86
19BMW 750i$3,650$124
20Audi A8$3,658$132
21Porsche Panamera$3,728$202
22Mercedes-Benz S560$3,888$362
23BMW Alpina B8$4,080$554
24BMW M760i$4,212$686
25Mercedes-Benz Maybach S580$4,424$898

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 M850i Insurance Rates by Trim Level

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

2022 BMW M850i Insurance Rates by Trim Level
2022 BMW M850i Trim Level Annual Premium Cost Per Month
xDrive Gran Coupe$3,460$288
xDrive Coupe$3,518$293
xDrive Convertible$3,604$300

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 M850i for different driver ages.

2022 BMW M850i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,243$1,020
17$11,979$998
18$10,956$913
19$9,894$825
20$7,636$636
21$7,290$608
22$6,565$547
23$5,315$443
24$5,057$421
25$4,108$342
30$3,784$315
35$3,616$301
40$3,526$294
45$3,280$273
50$3,094$258
55$2,888$241
60$2,898$242
65$3,094$258
70$3,302$275
75$3,826$319
80$4,704$392

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.