BMW 850i Car Insurance Costs: 2025 Edition

We looked at average insurance prices for the xDrive Convertible model to see how insurance for a 850i ranks when compared to the entire large luxury car segment.

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  • BMW 850i car insurance costs $3,484 per year (about $290 per month) for a full coverage policy, but can vary based on deductibles and limits.
  • Car insurance cost ranges from $3,484 to $3,484 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 $164 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 $3,484 a year, or about $290 a month, for a full coverage policy. Expect to pay about $164 more per year for BMW 850i insurance compared to the large luxury cars average rate, and $1,263 more per year than the $2,221 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 $2,360 per year for a driver age 60 with high policy deductibles to a high policy cost of $8,394 each year for a 20-year-old driver with a deductible of $250.

Average 2021 BMW 850i car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2021 BMW 850i car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on a 2021 model year BMW 850i. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2021 BMW 850i Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$5,818$485
$500$7,066$589
$250$8,394$700
30-Year-Old$1,000$3,054$255
$500$3,738$312
$250$4,452$371
40-Year-Old$1,000$2,856$238
$500$3,484$290
$250$4,142$345
50-Year-Old$1,000$2,514$210
$500$3,056$255
$250$3,622$302
60-Year-Old$1,000$2,360$197
$500$2,868$239
$250$3,398$283

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2021 BMW 850i. Updated June 26, 2025

The next table illustrates average BMW 850i insurance policy costs for the 2020 to 2021 model years and a range of rated drivers.

BMW 850i Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 BMW 850i$7,066$3,484$2,868
2020 BMW 850i$6,830$3,368$2,770

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 June 27, 2025

Average insurance rates for 2020 to 2021 BMW 850i models for drivers age 20, 40 and 60
Average insurance rates for 2020 to 2021 BMW 850i models for drivers age 20, 40 and 60

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 $1,126 more per year than the Audi A5, $28 more than the BMW 740i, and $162 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 $3,484 per year for full coverage auto insurance and the category median cost is $3,320 per year, a difference of $164 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.

Insurance Cost Comparison: BMW 850i vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,358-$1,126
2Volvo S90$2,520-$964
3Lexus LS 500H$2,834-$650
4Kia K900$2,888-$596
5Lexus LS 500$2,980-$504
6Mercedes-Benz AMG E53$3,026-$458
7Infiniti Q60$3,038-$446
8Genesis G90$3,046-$438
9Mercedes-Benz AMG CLS53$3,118-$366
10BMW 840i$3,184-$300
11Mercedes-Benz S450$3,324-$160
12BMW M850i$3,342-$142
13BMW 740i$3,456-$28
14BMW 850i$3,484--
15Mercedes-Benz E63 AMG$3,500$16
16Porsche Panamera$3,646$162
17Audi A8$3,704$220
18Mercedes-Benz S560$3,738$254
19BMW 750i$3,754$270
20BMW M760i$4,238$754
21Mercedes-Benz AMG S63$4,532$1,048

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 June 27, 2025

At $3,484 per year, insurance cost for a 2021 BMW 850i ranks 14th out of 21 models in the large luxury car segment
At $3,484 per year, insurance cost for a 2021 BMW 850i ranks 14th out of 21 models in the large luxury car segment

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 $4,298 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 ($2,868 per year) and a 20-year-old driver ($7,066 per year) is $4,198, or a savings of 84.5%.
  • 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 $922 per year. Major misdemeanors like driving while intoxicated could raise rates by an additional $3,248 or more.
  • Raising physical damage deductibles lowers cost. Raising deductibles from $500 to $1,000 could save around $628 per year for a 40-year-old driver and $1,248 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 $658 per year for a 40-year-old driver and $1,328 per year for a 20-year-old driver.