- BMW 850i car insurance costs $3,568 per year (about $297 per month) for a full coverage policy, but can vary based on deductibles and limits.
- Car insurance cost ranges from $3,568 to $3,568 per year on the 850i, depending on trim level.
- The BMW 850i is one of the more expensive large luxury cars to insure for the 2021 model year, costing $168 more per year on average as compared to the rest of the vehicles in the segment.
How much does BMW 850i insurance cost?
BMW 850i car insurance rates average $3,568 a year, or about $297 a month, for a full coverage policy. Expect to pay about $168 more per year for BMW 850i insurance compared to the large luxury cars average rate, and $1,292 more per year than the $2,276 national average.
The bar chart below illustrates how average 850i car insurance prices can change based on driver age and the physical damage deductibles chosen for the policy. Cost estimates range from the cheapest rate of $2,416 per year for a driver age 60 with high policy deductibles to a high policy cost of $8,598 each year for a 20-year-old driver with a deductible of $250.
The next table illustrates average BMW 850i insurance policy costs for the 2020 to 2021 model years and a range of rated drivers.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2021 BMW 850i | $7,240 | $3,568 | $2,936 |
| 2020 BMW 850i | $6,998 | $3,448 | $2,840 |
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 850i trim levels for each model year. Updated October 24, 2025
BMW 850i insurance rates vs. the competition
When rates are compared to popular vehicles in the large luxury car segment, insurance prices for a BMW 850i cost $1,154 more per year than the Audi A5, $28 more than the BMW 740i, and $166 less than the Porsche Panamera.
The BMW 850i ranks 14th out of 21 total vehicles in the large luxury car segment for the most affordable car insurance cost. The 850i costs an estimated $3,568 per year for full coverage auto insurance and the category median cost is $3,400 per year, a difference of $168 per year.
The table displayed below shows how the insurance rates for the 850i compare to other luxury cars like the Infiniti Q60, Audi A8, and Genesis G90.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Audi A5 | $2,414 | -$1,154 |
| 2 | Volvo S90 | $2,582 | -$986 |
| 3 | Lexus LS 500H | $2,904 | -$664 |
| 4 | Kia K900 | $2,958 | -$610 |
| 5 | Lexus LS 500 | $3,054 | -$514 |
| 6 | Mercedes-Benz AMG E53 | $3,102 | -$466 |
| 7 | Infiniti Q60 | $3,114 | -$454 |
| 8 | Genesis G90 | $3,122 | -$446 |
| 9 | Mercedes-Benz AMG CLS53 | $3,190 | -$378 |
| 10 | BMW 840i | $3,262 | -$306 |
| 11 | Mercedes-Benz S450 | $3,404 | -$164 |
| 12 | BMW M850i | $3,424 | -$144 |
| 13 | BMW 740i | $3,540 | -$28 |
| 14 | BMW 850i | $3,568 | -- |
| 15 | Mercedes-Benz E63 AMG | $3,586 | $18 |
| 16 | Porsche Panamera | $3,734 | $166 |
| 17 | Audi A8 | $3,794 | $226 |
| 18 | Mercedes-Benz S560 | $3,830 | $262 |
| 19 | BMW 750i | $3,846 | $278 |
| 20 | BMW M760i | $4,340 | $772 |
| 21 | Mercedes-Benz AMG S63 | $4,640 | $1,072 |
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 vehicle from the 2021 model year. Updated October 24, 2025
More rates and observations
Some other noteworthy data insights about BMW 850i insurance rates include:
- Car insurance is expensive for high-risk drivers. For a 30-year-old driver, the need to buy a high-risk policy could inflate rates by $4,402 or more per year.
- Younger drivers pay higher rates. The difference in insurance rates for a 2021 BMW 850i between a 60-year-old driver ($2,936 per year) and a 20-year-old driver ($7,240 per year) is $4,304, or a savings of 84.6%.
- Obey the law and pay less. For the cheapest 850i insurance rates, it pays to obey traffic laws and avoid traffic citations. In fact, just a couple of minor driving infractions can potentially raise policy prices by up to $948 per year. Major misdemeanors like driving while intoxicated could raise rates by an additional $3,330 or more.
- Raising physical damage deductibles lowers cost. Raising deductibles from $500 to $1,000 could save around $644 per year for a 40-year-old driver and $1,278 per year for a 20-year-old driver.
- The lower deductible you choose, the higher the policy cost. Dropping your deductibles from $500 to $250 could cost an additional $674 per year for a 40-year-old driver and $1,358 per year for a 20-year-old driver.