Car Insurance Costs for a BMW 5 Series

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Joel Ohman
Founder, CFP®

UPDATED: Dec 1, 2016

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Here's what you need to know...
  • The BMW 5 Series come equipped with many state-of-the-art safety features.
  • The 5 Series obtained excellent results in government crash test studies.
  • There are several things you can do personally to keep your car insurance premiums as low as possible.

The BMW 5 Series cars are known for their performance, luxury, and quality of engineering. So, what does that mean for you when it comes time to get a BMW 5 Series auto insurance policy?

There are many different ways to answer that question, along with a multitude of factors that are considered by insurance providers when they give you a quote.

One of these vehicles new will certainly cost more to insure than an average car that costs a lot less. It is impossible to know exactly what a person will have to pay until they get some different quotes, but there are some general ideas to get a ballpark figure.

Read on to learn all about BMW 5 Series car insurance rates! Then enter your ZIP code above to get started with comparing FREE car insurance quotes!

Consider The Safety Features Available on a BMW 5 Series Car


In general, the more safety features that a vehicle has, the more the owner will be able to lower their insurance rates.

While the cost of insuring a BMW 5 Series car will already be higher than what the average person pays, these safety features should offer substantial discounts.

Remember that every insurance provider weighs these features differently when they calculate your rate, so you’ll want to shop around comparing prices from various companies.

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Government Crash Test Rating Effect BMW 5 Series Car Insurance Rates

Another generalization is that the safer a vehicle is for its occupants, the lower the cost to insure should be as well.

In government crash tests the car scored a 3 stars out of 5 for drivers in frontal crashes, with the passenger rating a perfect 5 stars in frontal impacts.

For side impact, the vehicle received a perfect score for all passengers. In rollovers, the vehicle scored 4 stars making it remarkably safe in a rollover accident.

Overall the rating for the driver will undoubtedly cause the insurance rate to be higher than that for a vehicle with a better rating.

Tips to Help Lower Quote


There are other things a person can continually do to help lower their insurance rates.

  • Being a safe driver is probably the most important thing you can do. Besides keeping yourself safe, not getting in accidents allows the insurance providers to view you as less of a risk to insure, which means you won’t have the highest rate possible.
  • Keeping your insurance claims to a minimum will also help to make you appear as less of a risk.
  • Keep your credit score high. A lower credit score is associated with people who get in accidents more often.
  • Remember, as well, that you can select different levels of coverage, and although the cheapest may seem great in terms of how much you pay for a policy term, it could potentially cost you a lot more in the long run if you have an accident.

Being diligent and looking around, comparing multiple quotes, making sure you get the right discounts, and being a safe driver will help ensure you get a great rate.

Enter your ZIP code below to start comparing FREE car insurance rates online now!

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