2023 BMW M850i Car Insurance Calculator

See and learn how life choices impact car insurance rates for a 2023 BMW M850i. Change driving record, coverage levels, mileage driven, and vehicle usage plus many other factors. Instantly know if your changes have a favorable or unfavorable effect on the rates.

The average estimated car insurance premium for a 2023 BMW M850i is $3,666 per year, or about $306 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

$3,666

Cost Per Month

$306

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 2023 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.

$3,666
Average Rate
Your Rate
$3,666

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 2023 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 2023 BMW M850i is $3,666.

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.

2023 BMW M850i vs. the Large Luxury Car Segment

The table below compares insurance rates for the 2023 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.

2023 BMW M850i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A5$2,558-$1,108
2Volvo S90$2,884-$782
3Lexus LS 500$2,978-$688
4Mercedes-Benz AMG E53$2,996-$670
5Genesis G90$3,016-$650
6BMW i7$3,034-$632
7Mercedes-Benz AMG GT43$3,062-$604
8Lexus LS 500h$3,162-$504
9BMW 840i$3,252-$414
10Mercedes-Benz EQS 450$3,326-$340
11Infiniti Q60$3,334-$332
12Mercedes-Benz S500$3,360-$306
13Audi RS 7$3,434-$232
14Mercedes-Benz EQS 580$3,448-$218
2023 Large Luxury Car Average$3,525-$141
15BMW 740i$3,618-$48
16BMW M850i$3,666--
17Mercedes-Benz AMG EQS$3,694$28
18Audi A8$3,738$72
19Audi S8$3,756$90
20Porsche Panamera$3,818$152
21BMW 760i$3,854$188
22Mercedes-Benz S580$3,940$274
23BMW Alpina B8$4,188$522
24BMW M760i$4,322$656
25Mercedes-Benz Maybach S580$4,454$788
26Mercedes-Benz Maybach S680$4,752$1,086

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.

2023 M850i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 BMW M850i Insurance Rates by Trim Level
2023 BMW M850i Trim Level Annual Premium Cost Per Month
xDrive Coupe$3,610$301
xDrive Gran Coupe$3,614$301
xDrive Convertible$3,772$314

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 2023 BMW M850i for different driver ages.

2023 BMW M850i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$12,675$1,056
17$12,408$1,034
18$11,362$947
19$10,259$855
20$7,925$660
21$7,566$631
22$6,818$568
23$5,518$460
24$5,253$438
25$4,270$356
30$3,932$328
35$3,756$313
40$3,666$306
45$3,408$284
50$3,214$268
55$3,000$250
60$3,012$251
65$3,214$268
70$3,424$285
75$3,964$330
80$4,870$406

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.