BMW 5 Series insurance group & average cost

BMW 5 Series models range from insurance groups 26 to 50, so the cost of insurance can vary significantly depending on which model you have.

BMW 5 Series insurance groups and cost

In the table below, we show you the insurance group for different BMW 5 Series model versions alongside the likely premiums for different age ranges.

Model / Version	Group (1-50)	Age 20yrs	Age 30yrs	Age 40yrs	Age 50yrs	Link
BMW 5 Series Saloon (2003 - 2010) SE 520d SE 4d Auto	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
BMW 3-Series Touring (2012 - 2019) EfficientDynamics Plus 320d EfficientDynamics Plus (07/15-) 5d	27	£1,598.22	£902.37	£784.49	£759.41	Get Quote
BMW 5 Series Saloon (2017 - 2024) 518d SE Auto 4d	28	£1,051.05	£582.19	£543.93	£540.48	Get Quote
BMW 3-Series Touring (2012 - 2019) M Sport Shadow Edition 318d M Sport Shadow Edition 5d	28	£1,051.05	£582.19	£543.93	£540.48	Get Quote
BMW 5 Series Touring (1997 - 2004) SE 525 tds SE 5d Auto	29	£1,663.68	£1,031.80	£773.88	£754.05	Get Quote
BMW 5 Series Saloon (1996 - 2003) 520i 4d (96)	29	£1,663.68	£1,031.80	£773.88	£754.05	Get Quote
BMW 5 Series Saloon (2017 - 2024) 520i SE Auto 4d	30	£3,439.38	£1,001.68	£874.54	£861.41	Get Quote
BMW 5 Series Touring (2017 - 2024) 520d SE Auto (11/19-on) 5d	30	£3,439.38	£1,001.68	£874.54	£861.41	Get Quote
BMW 5 Series Saloon (2017 - 2024) 520i M Sport Auto 4d	31	£3,544.85	£1,019.77	£863.52	£847.78	Get Quote
BMW 5 Series Touring (2017 - 2024) 520d M Sport (Plus Package and Technology Package) Auto (11/19-on) 5d	31	£3,544.85	£1,019.77	£863.52	£847.78	Get Quote
BMW 5 Series Saloon (2003 - 2010) 520d 4d	31	£3,544.85	£1,019.77	£863.52	£847.78	Get Quote
BMW 5 Series Touring (2003 - 2010) 520d 5d	31	£3,544.85	£1,019.77	£863.52	£847.78	Get Quote
BMW 5 Series Saloon (2010 - 2017) 520d BluePerformance Eff Dynamics (Bus Media) 4d	32	£2,980.18	£914.54	£796.14	£767.16	Get Quote
BMW 5 Series Touring (2010 - 2017) 520d BluePerformance SE 5d	32	£2,980.18	£914.54	£796.14	£767.16	Get Quote
BMW 5 Series Saloon (2010 - 2017) Modern 520d Modern 4d Step Auto	33	£2,293.32	£1,256.31	£1,048.45	£1,141.00	Get Quote
BMW 5 Series GT (2009 - 2017) 520d SE (Euro 5) GT Hatch 5d Step Auto	33	£2,293.32	£1,256.31	£1,048.45	£1,141.00	Get Quote
BMW 5 Series Touring (2010 - 2017) 520d SE (07/13-) 5d	33	£2,293.32	£1,256.31	£1,048.45	£1,141.00	Get Quote
BMW 5 Series Saloon (1996 - 2003) Midnight Blue Edition 525i SE Midnight Blue Edition 4d Auto	33	£2,293.32	£1,256.31	£1,048.45	£1,141.00	Get Quote
BMW 5 Series Touring (2024 onwards) 520i M Sport 5dr Auto	34	£1,549.25	£891.08	£756.41	£696.03	Get Quote
BMW 5 Series Saloon (2010 - 2017) 520d (190bhp) SE 4d	34	£1,549.25	£891.08	£756.41	£696.03	Get Quote
BMW 5 Series GT (2009 - 2017) 520d Modern (Euro 5) GT Hatch 5d Step Auto	34	£1,549.25	£891.08	£756.41	£696.03	Get Quote
BMW 5 Series Saloon (2003 - 2010) SE 525d SE 4d	34	£1,549.25	£891.08	£756.41	£696.03	Get Quote
BMW 5 Series Touring (2003 - 2010) SE 523i SE 5d	34	£1,549.25	£891.08	£756.41	£696.03	Get Quote
BMW 5 Series Saloon (2024 onwards) 520i M Sport 4dr Auto	35	£1,951.55	£1,055.05	£952.11	£921.24	Get Quote
BMW 5 Series Saloon (2017 - 2024) 530i M Sport Auto 4d	35	£1,951.55	£1,055.05	£952.11	£921.24	Get Quote
BMW 5 Series Touring (2017 - 2024) 530i SE Auto 5d	35	£1,951.55	£1,055.05	£952.11	£921.24	Get Quote
BMW 5 Series Saloon (1996 - 2003) SE 525i SE 4d	35	£1,951.55	£1,055.05	£952.11	£921.24	Get Quote
BMW 5 Series Saloon (2017 - 2024) 530e SE Auto 4d	36	£1,795.79	£947.00	£829.72	£807.78	Get Quote
BMW 5 Series Touring (2017 - 2024) 520i MHT SE Step Auto 5d	36	£1,795.79	£947.00	£829.72	£807.78	Get Quote
BMW 5 Series Touring (1997 - 2004) 540i 5d (6) (00)	36	£1,795.79	£947.00	£829.72	£807.78	Get Quote
BMW 5 Series Saloon (1996 - 2003) Sport 535i Sport 4d Auto (99)	36	£1,795.79	£947.00	£829.72	£807.78	Get Quote
BMW 5 Series Saloon (2017 - 2024) 530e M Sport Auto 4d	37	£2,172.92	£1,067.37	£933.26	£896.05	Get Quote
BMW 5 Series Touring (2017 - 2024) 525d SE Sport Automatic 5d	37	£2,172.92	£1,067.37	£933.26	£896.05	Get Quote
BMW 5 Series Saloon (2017 - 2024) M Sport Edition 520i MHT M Sport Edition 4dr Step Auto 4d	38	£1,992.12	£1,028.10	£890.79	£870.50	Get Quote
BMW 5 Series Touring (2017 - 2024) 520d MHT SE Step Auto 5d	38	£1,992.12	£1,028.10	£890.79	£870.50	Get Quote
BMW 5 Series Saloon (2010 - 2017) 528i SE 4d	38	£1,992.12	£1,028.10	£890.79	£870.50	Get Quote
BMW 5 Series Touring (2010 - 2017) 528i SE 5d	38	£1,992.12	£1,028.10	£890.79	£870.50	Get Quote
BMW 5 Series Saloon (2017 - 2024) 520d MHT M Sport 4dr Step Auto 4d	39	£4,431.11	£1,118.83	£1,081.52	£1,038.52	Get Quote
BMW 5 Series Touring (2017 - 2024) 520d MHT xDrive SE Step Auto 5d	39	£4,431.11	£1,118.83	£1,081.52	£1,038.52	Get Quote
BMW 5 Series Saloon (2024 onwards) M Sport Pro 530e M Sport Pro 4dr Auto [Tech Plus]	40	£2,497.85	£1,182.11	£1,154.65	£1,006.90	Get Quote
BMW 5 Series Touring (2024 onwards) 530e M Sport 5dr Auto	40	£2,497.85	£1,182.11	£1,154.65	£1,006.90	Get Quote
BMW 5 Series Touring (2003 - 2010) SE 530d SE 5d Auto (07)	40	£2,497.85	£1,182.11	£1,154.65	£1,006.90	Get Quote
BMW 5 Series Saloon (2017 - 2024) 530d SE Auto 4d	41	£4,976.17	£1,537.43	£1,223.63	£1,173.91	Get Quote
BMW 5 Series Saloon (2017 - 2024) 530d xDrive SE Auto 4d	41	£4,976.17	£1,537.43	£1,223.63	£1,173.91	Get Quote
BMW 5 Series Touring (2017 - 2024) 530d SE Auto 5d	41	£4,976.17	£1,537.43	£1,223.63	£1,173.91	Get Quote
BMW 5 Series Saloon (2017 - 2024) 530e SE 4dr Auto 4d	42	£6,986.31	£1,338.71	£1,340.77	£1,134.04	Get Quote
BMW 5 Series GT (2009 - 2017) 530d Executive GT 5d Step Auto	42	£6,986.31	£1,338.71	£1,340.77	£1,134.04	Get Quote
BMW 5 Series Touring (2010 - 2017) M Sport 535i M Sport (07/13-) 5d Step Auto	42	£6,986.31	£1,338.71	£1,340.77	£1,134.04	Get Quote
BMW 5 Series Saloon (2017 - 2024) 545e xDrive SE 4dr Auto	43	£1,991.61	£1,043.65	£842.46	£826.48	Get Quote
BMW 5 Series GT (2009 - 2017) 530d BluePerf SE GT (Professional Media) 5d Step Auto	43	£1,991.61	£1,043.65	£842.46	£826.48	Get Quote
BMW 5 Series Touring (2010 - 2017) M Sport 530d (258bhp) BluePerform M Sport (Bus Media) 5d Step Auto	43	£1,991.61	£1,043.65	£842.46	£826.48	Get Quote
BMW 5 Series Touring (2010 - 2017) M Sport 530d (258bhp) BluePerform M Sport (Prof Media) 5d	43	£1,991.61	£1,043.65	£842.46	£826.48	Get Quote
BMW 5 Series Saloon (2017 - 2024) M Sport Edition 545e xDrive M Sport Edition 4dr Auto	44	£6,571.27	£1,623.70	£1,309.63	£1,058.60	Get Quote
BMW 5 Series Touring (2017 - 2024) 540i MHT xDrive SE Auto 5d	44	£6,571.27	£1,623.70	£1,309.63	£1,058.60	Get Quote
BMW 5 Series GT (2009 - 2017) 535d Executive GT 5d Step Auto	44	£6,571.27	£1,623.70	£1,309.63	£1,058.60	Get Quote
BMW 5 Series Touring (2024 onwards) 550e xDrive M Sport 5dr Auto	45	£2,403.40	£1,299.41	£978.16	£912.43	Get Quote
BMW 5 Series Touring (2010 - 2017) 535d (313bhp) SE 5d Step Auto	45	£2,403.40	£1,299.41	£978.16	£912.43	Get Quote
BMW 5 Series M5 (2005 - 2010) 5.0 V10 Saloon 4d SMG	45	£2,403.40	£1,299.41	£978.16	£912.43	Get Quote
BMW 5 Series M5 (2005 - 2010) 5.0 V10 Saloon 4d SMG (07)	45	£2,403.40	£1,299.41	£978.16	£912.43	Get Quote
BMW 5 Series M5 (2005 - 2010) 5.0 V10 Touring 5d SMG (07)	45	£2,403.40	£1,299.41	£978.16	£912.43	Get Quote
BMW 5 Series Saloon (1996 - 2003) M5 4d	45	£2,403.40	£1,299.41	£978.16	£912.43	Get Quote
BMW 5 Series Saloon (2017 - 2024) M550i xDrive 4dr Auto 4d	46	£2,460.13	£1,350.17	£1,076.48	£989.03	Get Quote
BMW 5 Series GT (2009 - 2017) M Sport 550i M Sport GT Hatch 5d Step Auto	46	£2,460.13	£1,350.17	£1,076.48	£989.03	Get Quote
BMW 5 Series Touring (2010 - 2017) 550i SE (Business Media) 5d Step Auto	46	£2,460.13	£1,350.17	£1,076.48	£989.03	Get Quote
BMW 5 Series Touring (2010 - 2017) 550i SE (Professional Media) 5d Step Auto	46	£2,460.13	£1,350.17	£1,076.48	£989.03	Get Quote
BMW 5 Series Touring (2010 - 2017) 550i SE 5d Step Auto	46	£2,460.13	£1,350.17	£1,076.48	£989.03	Get Quote
BMW 5 Series Saloon (2010 - 2017) 4.2 TDI Quattro Executive SE LWB 4d Tip Auto	47	£5,754.09	£1,554.28	£1,237.96	£1,084.25	Get Quote
BMW 5 Series GT (2009 - 2017) M Sport 550i (450bhp) M Sport GT (Professional Media) 5d Step Auto	47	£5,754.09	£1,554.28	£1,237.96	£1,084.25	Get Quote
BMW 5 Series M5 (2011 - 2016) M5 4d DCT	47	£5,754.09	£1,554.28	£1,237.96	£1,084.25	Get Quote
BMW 5 Series M5 (2011 - 2016) M5 (07/13-) 4d DCT	48	£5,802.56	£1,613.85	£1,229.46	£1,242.81	Get Quote
BMW 5 Series Saloon (2003 - 2010) M Sport 540i M Sport 4d Auto	48	£5,802.56	£1,613.85	£1,229.46	£1,242.81	Get Quote
BMW 5 Series M5 (2024 onwards) M5 5dr DCT	49	£7,917.72	£1,669.14	£1,383.80	£1,133.85	Get Quote
BMW 5 Series M5 (2018 - 2024) M5 M Steptronic Auto 4d	49	£7,917.72	£1,669.14	£1,383.80	£1,133.85	Get Quote
BMW 5 Series M5 (2018 - 2024) M5 35 Jahre Edition M Steptronic Auto 4d	50	£7,121.14	£1,412.48	£1,108.35	£1,076.97	Get Quote
BMW 5 Series M5 (2018 - 2024) M5 Competition M Steptronic Auto 4d	50	£7,121.14	£1,412.48	£1,108.35	£1,076.97	Get Quote
BMW 5 Series M5 (2018 - 2024) M5 Competition 4dr DCT 4d	50	£7,121.14	£1,412.48	£1,108.35	£1,076.97	Get Quote
BMW 5 Series M5 (2018 - 2024) M5 Competition M Steptronic Auto (11/19-) 4d	50	£7,121.14	£1,412.48	£1,108.35	£1,076.97	Get Quote
BMW 5 Series Saloon (2010 - 2017) 6.3 Quattro LWB 4d Tip Auto	50	£7,121.14	£1,412.48	£1,108.35	£1,076.97	Get Quote
BMW 5 Series M5 (2011 - 2016) M5 (Competition Pack) 4d DCT	50	£7,121.14	£1,412.48	£1,108.35	£1,076.97	Get Quote

Average BMW 5 Series insurance cost

To provide you with an idea of how much it may cost you to insure your BMW 5 Series, we ran several quotes to find an average figure. Based on our results, on average, you could insure your BMW 5 Series with a comprehensive policy for £1,650.64 yearly, or £142.51 paying monthly.

We generated these quotes using the following assumptions about the vehicle and the driver. We looked at prices for a driver aged 20, 30, 40 and 50. For each age category we took the average price of the 3 best quotes. We said the 20-year-old driver has 3 years of driving experience, the 30-year-old driver has 13 years of driving experience, the 40-year-old driver has 23 years of driving experience and the 50-year-old driver has 25+ years of driving experience, as that is the quote engine's largest option. We used a cheap (TR8), mid-range (CH1) and expensive (E10) postcode for each hypothetical driver.
All other factors were the same. These were:
The vehicle:
- Has a factory-fitted alarm system
- Hasn't been modified
- Would be parked in a work car park during the day
- Would be parked on a driveway at night
- Hadn't been bought yet but would be by the time the policy starts
- Isn't fitted with a dashcam
The driver:
- Is a teacher
- Is male
- Is a non-homeowner
- Has had no accidents or claims in the last 5 years
- Has had no motoring convictions, driving licence endorsements or fixed penalty points in the last 5 years
- Doesn't have any unspent non-motoring convictions
- Has no medical conditions
- Has never had insurance declined, cancelled or special terms imposed
- Has lived in the UK continuously since birth
- Is single and has no children
- Has a full UK manual licence
- Doesn't have use of another vehicle
- Doesn't have any medical conditions
- No driving or other convictions in the last 5 years
Other factors:
- We used 1 January as the birthday for each driver, alongside their respective birth year
- We looked for quotes with a 3-year no-claims discount
- We chose a voluntary excess of £500
- We didn't protect the no-claims bonus
- We looked for quotes for comprehensive policies
- We didn't include additional drivers
- We opted for an annual payment
- We used cars that were first registered in 2020, with an aim to find a mid-range car in that group
- The policy is for social, domestic and commuting purposes
- We looked at policies covering 10,000 miles per year

BMW 5 Series insurance cost by location

The table above shows the average cost of BMW 5 Series insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.

To show the power of the postcode, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a BMW 5 Series Saloon (2024 onwards) 520i M Sport 4dr Auto.

Expensive: £1,465.80 (London E10)
Mid-range: £1,055.05 (Chester CH1)
Cheap: £866.76 (Newquay TR8)

What factors affect my BMW 5 Series insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

Your marital status
Your credit history and job
Your car's safety rating score
The model of your car
The age of your car
Your car's security and any extra anti-theft precautions
Annual miles driven
Your driving history and activity
No-claims discount

How can I save on my BMW 5 Series premiums?

When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.

Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
Clear out the garage! If you have a garage – clear it out and park your car there. Parking your car in a garage reduces your risk to insurers and therefore reduces your premiums too.
Consider any named drivers. Only name drivers on the insurance policy that regularly drive the vehicle, you can easily add on others at a later date or get them temporary cover.
Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.

Bottom line

As we've shown, factors like where you live, how old you are, whether you want to pay monthly or annually, and the specific variant of BMW 5 Series you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £389.94 to £16,359.52, and that's based on shopping around to find a competitive deal. Unfortunately, if you don't shop around, there's every chance you could end up paying more than you have to.

Frequently asked questions

Thank you for your feedback!

Written by

Danny Butler

Publisher

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Danny was a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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Danny has written 292 Finder guides across topics including:

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Giving valuable insights to website visitors

Co-written by

Jason Loewenthal

Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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BMW 5 Series insurance group

Find out which insurance group your BMW 5 Series falls under and how much it costs to insure based on your age and location.

BMW 5 Series insurance groups and cost

How we got these rates

Average BMW 5 Series insurance cost

How we got this rate

BMW 5 Series insurance cost by location

What factors affect my BMW 5 Series insurance rate?

How can I save on my BMW 5 Series premiums?

Bottom line

Frequently asked questions

How much car tax do I have to pay for the BMW 5 Series?

Where can I buy a BMW 5 Series?

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