BMW 5 Series Insurance Cost
The BMW 5 Series is a luxury sedan with an average insurance cost of $2,550/yr. It carries a IIHS Top Safety Pick+ safety rating and medium theft risk. See how costs break down by year below.
Quote My 5 Series$2,550/yr
Avg. Annual Insurance
IIHS Top Safety Pick+
Safety Rating
Medium
Theft Risk
Luxury Sedan
Body Type
Insurance Cost by Year — BMW 5 Series
About BMW 5 Series Insurance
The BMW 5 Series is a popular luxury sedan that averages $2,550/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a IIHS Top Safety Pick+ safety rating, the 5 Series is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The medium theft risk also has a moderate impact on comprehensive coverage costs.
Insurance costs vary by model year — newer 5 Seriess (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does BMW 5 Series insurance cost?
The average insurance cost for a BMW 5 Series is $2,550/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the BMW 5 Series expensive to insure?
Compared to the national average of about $1,770/yr, the BMW 5 Series at $2,550/yr is above average in insurance cost. As a luxury sedan, it falls within the typical range for its class.
What is the BMW 5 Series's safety rating?
The BMW 5 Series has a IIHS Top Safety Pick+ safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the BMW 5 Series a theft target?
The BMW 5 Series has a medium theft risk rating. Moderate theft risk means comprehensive coverage is reasonably priced. Anti-theft devices may still qualify you for discounts.
How can I get cheap BMW 5 Series insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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