Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 21, 2020

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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 average BMW 5 Series car insurance rates are $130/mo
  • 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? How much is insurance for a BMW 5 series?

The best car insurance companies all have very different rates for the BMW 5 series. But don’t worry about the research, because it’s all right here. We’ll break down BMW 5 series car insurance rates and the factors that affect them.

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.

Table of Contents

How do I get a cheap car insurance quote on a BMW 5 Series?

The average cost of insurance for a BMW 5 series is $130/month. Your rates will vary, however, based on driving history, location, and other factors.

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.

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 from the main types of car insurance policies, 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.

The model and trim level will affect your rates, BMW 520d insurance cost may be more or less than other models, for example.

The cost of the vehicle itself makes a difference as well. How much is a BMW 5 series? The base price is $53,900. It’s possible to get a cheap BMW 5 series if you look at older models. How much is a BMW 550i? It can run a bit higher. 2019 BMW 525i cost can be a little lower, according to Kelley Blue Book.

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What are the Safety Features Available on a BMW 5 Series Car?

  • Tire Pressure Monitor
  • Electronic Stability Control
  • 4 Wheel Anti-Lock Brakes
  • Traction Control
  • Child Seat Anchors
  • Seat Belt Tensioners
  • Dynamic Head Restraints
  • Automatic Crash Notifying Systems
  • Airbags (front, side, head)
  • Rear Seat Head Restraints

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.

When it comes to the BMW 5 series, the cost to own is affected by some of these factors, but also by the fact that it’s a high-end luxury car. BMW 5 series running costs are known to be expensive due to the fact that it’s an import.

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Government Crash Test Rating Effects on 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. Crash ratings can differ based on the model, so BMW 528i crash tests may differ from the 550i.

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

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!