BMW M850i Car Insurance Rates [2022 Updated Data]

How much does BMW M850i insurance cost? We break down rates for the M850i xDrive Coupe and Gran Coupe models to find out how insurance prices compare to all other large luxury cars.

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  • BMW M850i insurance costs an average of $2,514 per year, $1,257 for a 6-month policy, or around $210 per month.
  • As one of the more expensive large luxury cars to insure, the BMW M850i costs $104 more per year on average to insure when compared to the rest of the segment.
  • BMW M850i car insurance cost ranges from $2,466 to $2,568 annually on average, depending on trim level.

How much does BMW M850i insurance cost?

The average policyholder can plan on paying $2,514 a year for full coverage to insure a BMW M850i. When separated into individual coverages, comprehensive coverage will cost approximately $678 a year, liability and medical (or PIP) coverage will cost around $510, and the remaining collision coverage will cost an estimated $1,326.

The price summary chart below shows average auto insurance cost for a 2022 BMW M850i using different driver ages and policy limits.

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Chart Data Details: Average rates are for a 2022 model year BMW M850i with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all BMW M850i trim levels.Data last updated on December 2, 2022
BMW M850i Car Insurance Cost Summary
BMW M850i Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$5,714$476
Safe Driver Age 20$5,006$417
At-fault Accidents Age 40$3,512$293
Low Deductibles Age 40$3,402$284
Safe Driver Age 30$2,684$224
Safe Driver Age 40$2,514$210
Safe Driver Age 50$2,282$190
Safe Driver Age 60$2,242$187
Discount Rate Age 40$2,088$174
High Deductibles Age 40$2,060$172

The next table details average insurance rate data for a BMW M850i for the 2019 to 2021 model years.

BMW M850i Insurance Cost for 2019-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 BMW M850i$2,514$1,257$210
2021 BMW M850i$2,360$1,180$197
2020 BMW M850i$2,308$1,154$192
2019 BMW M850i$2,192$1,096$183

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 2, 2022
BMW M850i Insurance Cost by Model Year

The table below shows the average yearly and 6-month policy costs, in addition to a monthly amount for budgeting, for each BMW M850i package and trim level.

2022 BMW M850i Insurance Cost by Trim Level
BMW M850i Trim Level Annual Policy 6-month Policy Per Month
xDrive Gran Coupe$2,466$1,233$206
xDrive Coupe$2,506$1,253$209
xDrive Convertible$2,568$1,284$214

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 BMW M850i, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 2, 2022
BMW M850i Insurance Cost by Trim Level

Additional rates and discounts

Additional important insights about BMW M850i insurance cost include:

  • Your choice of occupation could earn you discounts. Some car insurance providers offer discounts for being employed in professions like architects, firefighters, scientists, police officers and law enforcement, doctors, dentists, and others. Obtaining this discount could potentially save between $75 and $159 on your yearly car insurance bill, depending on your policy.
  • Rates tend to decrease as driver age increases. The difference in BMW M850i insurance rates between a 60-year-old driver ($2,242 per year) and a 20-year-old driver ($5,006 per year) is $2,764, or a savings of 55.2%.
  • Good credit equals better rates. Having an excellent credit score over 800 may save $395 per year versus a credit score between 670-739. Conversely, a weaker credit score could cost as much as $458 more per year.
  • The cost to insure teen drivers is expensive. Average rates for full coverage M850i insurance costs $8,614 per year for a 16-year-old driver, $8,166 per year for a 17-year-old driver, $7,674 per year for a 18-year-old driver, and $7,024 per year for a 19-year-old driver.
  • High-risk drivers pay extremely high rates. For a 20-year-old driver, the requirement to buy a high-risk policy could trigger a rate increase of $3,850 or more per year.
  • Avoid driving violations to reduce insurance cost. In order to have the cheapest possible M850i insurance rates, it makes good sense to be a safe driver. A couple of traffic citations could result in spiking rates by at least $650 per year. Being convicted of a serious infraction like DUI and hit-and-run could raise rates by an additional $2,294 or more.

How does BMW M850i insurance compare?

When compared side-by-side to some other models in the 2022 large luxury car category, insurance prices for a BMW M850i cost $724 more per year than the Audi A5, $26 less than the BMW 740i, and $142 less than the Porsche Panamera.

The BMW M850i ranks #15 out of 25 total comparison vehicles in the large luxury car segment for auto insurance affordability. The M850i costs an estimated $2,514 per year to insure for full coverage and the class average is $2,410 annually, a difference of $104 per year.

The chart displayed below shows how insurance cost for a BMW M850i compares to the top 10 most popular large luxury cars like the Infiniti Q60, Audi A8, and the Genesis G90. A table is included after the chart that shows car insurance cost rankings for the entire 25 vehicle full-size luxury sedan segment for the 2022 model year.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year BMW M850i, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all BMW M850i trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 2, 2022
BMW M850i vs Top 10 Large Luxury Cars Insurance Cost Comparison
BMW M850i Insurance Cost Compared to All Large Luxury Cars
Rank Make/Model Insurance Cost Difference
1Audi A5$1,790-$724
2Volvo S90$1,974-$540
3Lexus LS 500$2,048-$466
4Mercedes-Benz AMG E53$2,082-$432
5Genesis G90$2,088-$426
6Mercedes-Benz AMG GT43$2,130-$384
7Lexus LS 500h$2,192-$322
8BMW 840i$2,206-$308
9BMW 745e$2,246-$268
10Mercedes-Benz EQS 450$2,298-$216
11Infiniti Q60$2,308-$206
12Mercedes-Benz S500$2,336-$178
13Audi RS 7$2,340-$174
14Mercedes-Benz EQS 580$2,356-$158
15BMW M850i$2,514--
16Mercedes-Benz S580$2,518$4
17BMW 740i$2,540$26
18Audi S8$2,574$60
19BMW 750i$2,602$88
20Audi A8$2,606$92
21Porsche Panamera$2,656$142
22Mercedes-Benz S560$2,772$258
23BMW Alpina B8$2,906$392
24BMW M760i$3,002$488
25Mercedes-Benz Maybach S580$3,154$640