BMW 5 Series Car Insurance Rates

The average cost is $223.38 per month, or $2.680,56 per year for a 2021 BMW 5 series car insurance rates. However, your actual rates depend on your driving history, car model, location and other circumstances.

How to compare insurance for the BMW 5 Series

BMW 5 Series Car Insurance Rates - BMW Car Brand Logo

Car insurance is an expensive business that almost all drivers need, but nobody likes to use. Everybody can find shopping frustrating. Coverage and policies might vary greatly from provider to provider, yet the majority claim the greatest price. It might be hard to find the right insurance if you don’t know what you’re looking for if it’s not too difficult to locate a firm to cover your 5 series. Some things to be considered when shopping are here.

  • Price. Price doesn’t mean much if you don’t compare similar insurance. Use the same information for each quotation to accurately compare your options.
  • Deductible. Please note that the cost of your deductible is likely to influence you. Choose a charge that matches your budget and does not break the bank when making a claim.
  • Coverage minimum. Except New Hampshire and Virginia, each state has mandatory minimum coverage criteria. Make sure your state minimum is met before you purchase coverage.
  • Further coverage. Further protection alternatives beyond your normal insurance may provide further protection. If you are interested in personal injury protection, medical bill coverage or other options, ensure that quotations are included.
  • Extras. Accident forgiveness, deductibility and roadside assistance are a few possible political additions. See which insurance features are covered and where additional payment is required.
  • Restrictions. Policy constraints may result in refused claims or gaps in coverage. Ask about any limits prior to the purchase of insurance.
  • Offer or discount loyalty from the manufacturer. BMW partnerships can provide benefits or discounts to manufacturers. Speak to your dealer for further details.
  • Warranty. Find out what coverage or extended guarantee your manufacturer may provide to prevent overlap.

What factors affect car insurance rates for BMW 5 Series?

Car insurance doesn’t fit everybody in one dimension. Depending on several drivers, places and cars, the probability of collisions and the cost of damages might differ. Because the performance, crash test results, theft rates and other features might differ in brands and models, your car decision is directly influenced by the price you spend for the auto insurance. Here are some of the features of the 5 series and how they might impact the costs of your insurance.

  • Body type. The 5 series includes a four-door automobile every day for families, vacationers and other hazardous drivers. This may lead to lower pricing.
  • Car type. BMW manufactures luxury cars and the 5-series is no exception. Luxury cars are generally costlier in insurance costs.
  • Theft. Unfortunately, sedans are the most often robbed automobile. This might lead to higher insurance costs for cars.
  • Repairs. While BMW has US manufacturing plants, components and maintenance may be expensive nevertheless. The enormous expenditures of repair may increase the costs of insurance.
  • Ratings for safety. The 5 series has great safety ratings and has even achieved the 2018 IIHS highest security pick+. This can help reduce the cost of insurance.

How do trim packages and extra build options affect insurance cost?

The insurance prices are mostly dependent on your accident probabilities and payment charges. You have to have quotations that represent your actual circumstances, which may be influenced by your driving history, your location and automobile. While your product and model selection might affect insurance prices, other cuts and packages could also have an impact. This is how options might affect your costs on the basis of the BMW 530i baseline.


  • xDrive. xDrive is an all-wheel drive technology that enables driving and traction to be improved. The vehicle insurance rate would be better if this option is utilized.
  • 540i. The 540i means an increase in power and prices that might raise the cost of car insurance.
  • Diesel. Diesel automobiles, on average, are more costly than petrol to fix. Choosing this option might increase the cost of insurance.
  • Hybrid. While this approach might save you on petrol, reparations and insurance can be expensive.


  • Executive Tier. The executive level includes in addition to the LED headlights, the stationer Plus and more. Improved visibility might lead to higher rates.
  • Package for Dynamic Management. This group might improve the handling of insurance for cheaper cars.
  • Package of Driving Support. These features can enhance safety and decrease accident probability. The insurance cost can also be reduced.
  • Lighting or Night Vision Package. These products might assist you in noticing and knowing individuals on the road. It can help to reduce the cost of insurance.
  • Package parking support. This bundle can decrease your risk of parking and help you acquire higher insurance rates in other vehicles. You can help with this package.

BMW 5 Series money-saving safety features

You may save money on car insurance in your BMW 5 series if it comes to these safeguards.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the BMW 5 Series qualify for auto insurance discounts?

Your automobile may qualify for various car insurance savings depending on the supplier that you have chosen. You may obtain genuine savings depending on the area, provider, choice and other criteria. Here are few of the applicable BMW 5 series:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

How reliable is the BMW 5 Series?

According to the United States news and J.D Power the 2018 BMW 5 Series gets a rating of 4.5/5 stars, which is much better than most of them.

BMW has created a number of vehicles that may be classified as five series in order to avoid identifying common faults. In past versions there have been several issues with the 5-series. Recent versions like the 530i and 550 have very few common defects.

  • 2018. The gasoline pump can be suspended in 2018 and the engine might be halted in some five-series trucks because of an error in engine control software.
  • 2016. Some 2016 5 series vehicles have been revoked owing to faulty airbag inflators, which cannot be properly deployed when an accident occurs. Certain models have problems with retention mounting anchors, which might impede effective securing of booster or children’s seats.
  • 2015. Almost three thousand BMW 5 cars in 2015 were documented because of steering issues and high humidity exposure electrical faults. See whether your automobile was impacted by your dealer.
  • 2013. Almost 500 vehicles in the 2013 5 Series were recalled for retroreflective and lighting systems which do not meet with safety regulations. In addition, approximately 10,000 5 cars from the series 2012-2013 5 had a production mistake which might lead to a lower oil supply on the braking system for the vacuum-pump.
  • 2011. For an issue with gasoline supply that could produce inaccurate reading of the fuel indicator a limited number of cars from 2010 and 2011 have been recalled. Almost 4,000 automobiles were also recalled because of worries about the auxiliary water pump that may hinder a proper cooling of the turbocharger and possibly result in fire.

BMW 5 Series maintenance

Like many other BMW automobiles, the 5 Series delivers an easy driving experience with less time in the shop and longer on the road. With its high-reliability ratings and advanced technology, the BMW is not difficult to maintain but it doesn’t suggest servicing should be avoided. In the following several years, maintenance practices can ensure that your five series operates correctly. That’s what you need to know here. That’s what you need to know.

  • BMW recommended that the oil will change every 10,000 miles or 12 months. You might wish to change it more often according to how you use your car.
  • However, oil costs are expected to fluctuate from $100 to $200.
    The 2018 530i stands at an average of 27 miles per gallon with 24 in the city and 34 in the State.
  • The BMW 540i xDrive 2018, 20 in the urban sector and 29 on the highway, averaged 23 miles per gallon.
  • The 2018 BMW 530e hybrid and 29 mpg gasoline achieve an average of 72 miles/gallon of electricity + gas power.
  • Included with the 2018 BMW 5 series is a standard 4-year 50,000 mile warranty.
  • A service interval indicator and condition-based servicing system are provided for the latest BMW models. The two systems monitor your automobile and advise you when it is necessary to replace components and when it is to be put into service.

Is an extended warranty worth it for the BMW 5 Series?

The five-series features the BMW 4-year/50-000 mile warranty covering defective components and inadequate servicing issues. Free road support and a supplementary corrosion guarantee are also available. Even if the normal guarantee is good, the 5-series might contain expensive components and maintenance. The addition of the extended guarantee might be calm following expiry of the initial coverage. The service offering of approved BMW specialists, OEM replacement parts, mechanical breakdown towing and more is a comprehensive package.

Furthermore, BMW Ultimate Care is an additional service plan of 36,000 kilometers for the qualifying 5-series vehicles for 3 years. Various extensive maintenance options are available for an extra price.

How safe is the BMW 5 Series?

Like other BMW cars, the 5 Series has excellent safety ratings. BMW 5 Series 2018 delivers a perfect safety rating of 10/10 for the U.S. News & J. D. Power and a maximum rating for all crash test areas. The highest safety pick+ 2018 IIHS and nearly perfect crash resistance scores were obtained.

Compare BMW competitors

Explore other BMW models or see other manufacturers offering BMW 5 series-like cars.

Bottom line

The 5 Series is a contemporary luxury vehicle with state-of-the-art technology. It’s a great daily conductor or family automobile with its outstanding safety and crash test scores from little more than $5,000. In order to get the greatest policy and cost, you should not select a supplier to cover your 5 series but assess your choices.

You may check out our review of BMW 3 Series Insurance Rates, for other makes and model.