BMW 5 Series Car Insurance Rates

For a 2021 BMW 5 Series car insurance rates on average are $223.38 per month or $2,680.56 per year. However, your exact rates are determined by a variety of factors, including your driving history, vehicle type, and geographic area.

How to compare insurance for the BMW 5 Series

BMW 5 Series Car Insurance Rates - BMW Logo

Insurance for a car is a costly business that almost all motorists must use, but no one wants to do. Shopping is something that many people dislike doing. Providers’ coverage and policies may differ greatly, but most claim to offer the best value. If you don’t know what you’re searching for, finding the appropriate insurance for your 5 series may be tough. Here are a few things to keep in mind while you’re out shopping.

  • Price. If you don’t compare comparable types of insurance, then price isn’t all that important. Compare your choices properly by using the same information in each quote.
  • Deductible. Please keep in mind that the amount of your deductible may have an impact on your premiums. When filing a claim, choose a fee that fits your budget but doesn’t break the bank.
  • Coverage minimum. Every state, with the exception of New Hampshire and Virginia, has minimum coverage requirements. Before you get insurance, be sure the bare minimum requirements are fulfilled in your state.
  • Further coverage. Alternatives to your standard insurance that offer additional protection may be available. Ensure that quotes are included if you’re thinking about personal injury protection, medical bill coverage, or any other kind of insurance coverage.
  • Extras. Some potential political additions include accident forgiveness, deductibility, and roadside assistance. See what insurance benefits are included and what you’ll have to pay for out of pocket.
  • 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 isn’t one size fits all. The likelihood of a collision and the cost of the damages may vary depending on the number of drivers, locations, and vehicles. Because car brands and models may differ in terms of performance, crash test results, theft rates, and other characteristics, your car purchase is heavily influenced by the cost of your auto insurance. Here are some of the 5 series’ unique features and how they may affect your insurance premiums.

  • Body type. Every day, families, tourists, and other risky drivers may drive in the 5 series’ four-door sedan. There’s a chance this will result in reduced prices.
  • The make and model of the vehicle. The 5-series is another one of BMW’s high-end models, and it’s no different from the others. Insurance premiums for high-end vehicles tend to be higher.
  • Theft. Sadly, sedans are the most often targeted for theft. As a result, vehicle insurance premiums may go up.
  • Repairs. Despite the fact that BMW maintains manufacturing facilities in the United States, parts and maintenance are still costly. It’s possible that the massive repair expenses may push up insurance rates.
  • Safety scores. The 2018 IIHS top security pick+ grade was obtained by the 5 series, which offers excellent safety ratings. This may help keep insurance premiums down.

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

Your accident propensity and deductible will have a significant impact on your insurance premiums. A quote has to reflect your real circumstances since they may be affected by your driving history, where you live and what kind of car you drive. Other cutbacks and packages may influence insurance costs as well, even if your product and model choices don’t. This is how the BMW 530i’s options can impact your overall expenses.


  • xDrive. xDrive is a kind of all-wheel drive that enhances performance and traction. Utilizing this option would result in lower car insurance rates.
  • 540i. Because of the 540i’s increased power and price, drivers’ auto insurance premiums may go up.
  • Diesel. Repairing a diesel car is often more expensive than a petrol one. The cost of insurance could go up if you go with this option.
  • Hybrid. While this strategy may save you money on gas, the cost of repairs and insurance may outweigh the savings.


  • Executive Tier. The stationer Plus and other luxuries are included with the executive trim, in addition to the LED headlights. An increase in rates is possible if visibility is improved.
  • Package for Dynamic Management. This organization may help with the insurance process for low-priced vehicles.
  • Package of Driving Support. These characteristics have the potential to improve safety while also reducing the likelihood of an accident occurring. It is also possible to cut insurance costs.
  • Lighting or Night Vision Package. These devices may help you become more aware of and familiar with other drivers. It has the potential to lower insurance premiums.
  • Package parking support. This package may help you save money on parking while also getting you better insurance rates for other cars. Using this package, you may assist the cause.

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?

Depending on your choice of insurance provider, your vehicle may be eligible for a number of discounts on your auto insurance. Depending on where you live, who your service provider is, and your preferences, you may be able to save money. Here are a few examples of BMW 5 series models that fit the bill:

  • 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?

The 2018 BMW 5 Series has a higher rating than most of them, according to U.S. news and J.D. Power.

In order to avoid having to deal with the same problems again, BMW has developed a variety of cars that may be categorized as five series. In previous iterations, the 5-series had a number of flaws. Newer models, such as the 530i and 550, have a small number of common flaws.

  • 2018. Due to a mistake in the engine management software, the gasoline pump may be stopped in 2018 and the engine may be shut off in some five-series trucks.
  • 2016. Some 5 Series 2016 models have had their licenses cancelled because of defective airbag inflators that fail to deploy correctly in an accident. Some vehicles have issues with the retention mounting anchors, making it difficult to secure child or booster seats properly.
  • 2015. In 2015, almost 3,000 BMW 5s were recalled due to steering problems and electrical failures associated with excessive humidity exposure. Check to see whether your car has been harmed by your dealer.
  • 2013. Around 500 2013 5 Series models were recalled because of faulty retroreflective and lighting systems. About 10,000 of the series 2012-2013 5 vehicles also had a manufacturing error that may lead to a reduced oil supply on the vacuum-braking pump’s system.
  • 2011. Limited numbers of vehicles from 2010 and 2011 have been recalled due to a problem with gasoline delivery that may lead to incorrect fuel indicator readings. Nearly 4,000 vehicles were also pulled off the road due to a safety concern with the auxiliary water pump, which may interfere with the correct cooling of the turbocharger and create a fire.

BMW 5 Series maintenance

For less time in the shop and more time on the road, the 5 Series follows in the footsteps of many previous BMW vehicles. Because of its excellent ratings for durability and cutting-edge technology, the BMW isn’t difficult to maintain, but that doesn’t mean regular maintenance should be foregone. Maintenance procedures may keep your five-series running well for many more years. So that’s what you should be aware of in this particular case. That is all the information you need.

  • According to BMW, oil should be changed every 10,000 miles or 12 months, whichever comes first. Depending on how often you drive, you may want to do this more often.
  • Oil prices, on the other hand, are anticipated to vary between $100 and $200 per barrel.
  • The 2018 530i gets 24 mpg in the city and 34 mpg on the highway, for a combined average of 27 mpg.
  • The BMW 540i xDrive 2018 got 20 mpg in the city and 29 mpg on the highway, for a combined 23 mpg.
  • The 2018 BMW 530e hybrid’s combined electricity and petrol mileage is 72 miles per gallon.
  • The standard warranty for the 2018 BMW 5 series is four years and 50,000 miles.
  • In order to keep up with the times, BMW’s newest models are equipped with an interval indicator and a condition-based maintenance system. Both systems keep tabs on your car and let you know when parts need to be replaced or when it’s time to put it into service.

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

With the BMW 5 Series, you get a 4-year/50, 000-mile guarantee on faulty parts and poor service. There’s also a free roadside assistance program and a corrosion warranty to choose from. While the 5-series comes with a strong standard warranty, there may be costly parts and maintenance that need to be paid for separately. After the original coverage expires, the addition of an extended guarantee may provide some peace of mind. There is a complete package of services available, including certified BMW experts, OEM replacement parts, mechanical breakdown towing, and more.

BMW Ultimate Care is a three-year, 36,000-kilometer servicing package for owners of qualifying 5-series cars. You may upgrade to more comprehensive maintenance at any time for a fee.

How safe is the BMW 5 Series?

The 5 Series boasts outstanding safety ratings, much like the rest of the BMW lineup. The U.S. News & J.D. Power and Associates safety rating for the 2018 BMW 5 Series is 10/10, with a flawless score in every crash test. There were near-perfect ratings for crash resistance and the highest safety pick+ 2018 IIHS.

Compare BMW competitors

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

Bottom line

The BMW 5 Series is a cutting-edge luxury sedan with cutting-edge technology inside and out. With its excellent safety and crash test results starting at less than $5,000, it’s an excellent daily driver or family car. Choose a provider to cover your 5 series but compare your options instead to obtain the best coverage and price.

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