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2010 2011 BMW 5 Series Forum F10 BMW 5-Series (F10) Forums General 5-Series Sedan and Wagon (F10 / F11) Forum how much is your insurance?
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      01-30-2013, 12:00 PM   #1
Volcano375
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how much is your insurance?

i know there are many things to consider when u get a car insurance, but i was wondering what is your yearly insurance cost for your 5 series?
please respond in below order, this might help some of us to see if what we pay is reasonable.

2012 528 xdrive
500 deductible
clean driver history(no tickets)
$1320 a year.
St Louis, MO
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      01-30-2013, 12:30 PM   #2
pMart36
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Quote:
Originally Posted by Volcano375 View Post
i know there are many things to consider when u get a car insurance, but i was wondering what is your yearly insurance cost for your 5 series?
please respond in below order, this might help some of us to see if what we pay is reasonable.

2012 528 xdrive
500 deductible
clean driver history(no tickets)
$1320 a year.
St Louis, MO
There are way too many other factors to have a proper comparison. Call a local independent insurance broker, they will compare your existing policy to other carriers with the same policy and supply you a comparison (at no charge).
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      01-30-2013, 01:43 PM   #3
Luigi524TD
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Relative cost of insurance

I moved my policy from my '07 530xi to a '13 535xDrive ... both were pretty loaded (MRSP for the '07 was about $64K and my '13 was $67K) so the relative replacement costs etc were close. I expected to get nailed (after all I'm in NJ + a 6 year newer car + turbomotors etc) but the annual premium increase, keeping all the same coverages, was $160/yr. It's hard to break out my individual per vehicle situation because I insure 4 cars + house + multi Mil $ liability blanket etc.

BTW, I write it thru BMWCCA's 'partnership' with one of the large companies - so when I need them there will be no debate about using BMW repairs and parts vs Joes Bodyshop.

BTW, I'm relocated from the 5 Series . net forum
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      01-30-2013, 03:04 PM   #4
bmw-man-uk
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Can those from over the water join in?


2011 530D Msport Saloon
900 excess
clean driver history(no tickets but a few accidents)
2,500 a year. ($3950)
London



p.s: is age a big factor in US insurance prices?
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      01-30-2013, 03:15 PM   #5
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Quote:
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p.s: is age a big factor in US insurance prices?
Yes. The big jump seems to be about 25 years of age. Below that, you have much higher rates apparently.
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      01-30-2013, 03:25 PM   #6
AP
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530d msport. no accidents around 650.
off public road. age 46
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      01-30-2013, 04:24 PM   #7
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I have USAA insurance and I pay for a 2013 X5, 2011 535i, a house, and personal property for $2600 a year... its all lumped together. I figure that's a damn good deal though.
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      01-30-2013, 05:13 PM   #8
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im 25
no accidents
no current tickets
500 dec
1476 a year with Wawanesa
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      01-30-2013, 05:43 PM   #9
bmwombat
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My new car is AUD1343.
- maximum no claim bonus (no accidents in last 6 or more years)
- nominated drivers
- AUD600 at fault excess
- multi-policy discount (we have 6 other pieces of insurance with the same company)
- free replacement in 1st 2 years if a total write-off

As a guide to other insurers here for this car, based upon my history etc:
Commonwealth Bank Insurance (Largest bank in OZ) - AUD2300
BMW Insurance - AUD3750
APIA (specialises in insurance for the over-50s) - AUD1573
NRMA (state motoring organisation like the AA in UK) - AUD2520
BUPA (massive global insurers) - AUD2755

So you can see it's all over the place premium-wise.
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      01-30-2013, 07:12 PM   #10
Luigi524TD
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Relative cost of insurance

It's near impossible to do a driver-car comparison for insurance prices. Actuaries run the formulas ... state agencies regulate the rates ... the individual determines how much risk they can tolerate and etc etc etc. To much fruit in the mix to compare apples and oranges!
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      01-30-2013, 08:28 PM   #11
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Here in Atlanta with all the illegals driving on the roads, I'm paying $1200 a year
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      01-31-2013, 01:30 AM   #12
freeewilly
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2013 535i
1000 deductible
clean driver history
$1350 a year.
37 Yrs Old
El Monte, CA
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      01-31-2013, 02:30 AM   #13
EV0LVE
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35 y/o
$500 deductible
$820/year for the 535.
Clean driving record.
It's lumped in with 2 other cars and homeowners policy.
Santa Clarita, CA
Statefarm. BTW, they're the cheapest I found for motorcycle too.
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      01-31-2013, 07:06 AM   #14
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Quote:
Originally Posted by bmw-man-uk View Post
Can those from over the water join in?


2011 530D Msport Saloon
900 excess
clean driver history(no tickets but a few accidents)
2,500 a year. ($3950)
London



p.s: is age a big factor in US insurance prices?
WOW, you've put a thumbs up at 2500 a year!

My 35i is just 700 and thats in Manchester where crime is as rife as London!

700, that deserves a
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      01-31-2013, 09:16 AM   #15
ipso_facto
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Quote:
Originally Posted by ManiacGT View Post
WOW, you've put a thumbs up at 2500 a year!

My 35i is just 700 and thats in Manchester where crime is as rife as London!

700, that deserves a
Age late 30's, East Midlands (UK), F10 520D Sports Auto M Sport, 2 years no claims, no penalties / no license points, 500 excess : 645 pa ( $1,020 )
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      01-31-2013, 09:35 AM   #16
Alan l.
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We get screwed here in NY. I am 35 paying about $1850 per year with a clean driving record. My 335 was about 1700.

Alan
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      01-31-2013, 10:05 AM   #17
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Quote:
Originally Posted by Alan l. View Post
We get screwed here in NY. I am 35 paying about $1850 per year with a clean driving record. My 335 was about 1700.

Alan
oh yes you do, your state takes advantage or should i say your politician?
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      01-31-2013, 01:14 PM   #18
OzDriver
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Quote:
Originally Posted by bmwombat View Post
My new car is AUD1343.
- maximum no claim bonus (no accidents in last 6 or more years)
- nominated drivers
- AUD600 at fault excess
- multi-policy discount (we have 6 other pieces of insurance with the same company)
- free replacement in 1st 2 years if a total write-off

As a guide to other insurers here for this car, based upon my history etc:
Commonwealth Bank Insurance (Largest bank in OZ) - AUD2300
BMW Insurance - AUD3750
APIA (specialises in insurance for the over-50s) - AUD1573
NRMA (state motoring organisation like the AA in UK) - AUD2520
BUPA (massive global insurers) - AUD2755

So you can see it's all over the place premium-wise.
All over the place in Oz as well. Insured mine through NRMA for A$1500 (a lot less than they quoted you), but it did include a multi policy discount. I thought that was OK for $150K cover
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      02-02-2013, 02:01 AM   #19
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GEICO Umbrella Policy. 2 cars ('13 F10 528 + '02 INF G20) + Condo policy = $1402. of course, I've had GEICO since 2002 and they maxed out my discounts.
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      02-02-2013, 03:03 AM   #20
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Quote:
Originally Posted by ipso_facto View Post
Age late 30's, East Midlands (UK), F10 520D Sports Auto M Sport, 2 years no claims, no penalties / no license points, 500 excess : 645 pa ( $1,020 )
Here in Ireland we normally pay more than everywhere else for just about everything, but not on this occasion, check it out -

2013 F10 520d SE, Sports Auto, 5 years no claims, no penalties or licence points, 290. Fully comp with protected bonus. Excess 200.

Got to be the best out there!
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      02-02-2013, 05:47 AM   #21
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again, I feel shafted living in Japan... my insurance this year going forward was 230000yen-ish = 2480 dollars. have total coverage on any dmg I do to ppl/things/cars and if I drive my car off the cliff I get about 70% of my car's MSRP price btw no records but not very good rate since I have to have no record for about 5-6 years till I get good rate.
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      02-02-2013, 12:41 PM   #22
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Quote:
Originally Posted by EV0LVE View Post
Statefarm. BTW, they're the cheapest I found for motorcycle too.
I use SF for everything as well, but for me they definitely weren't cheapest for the bike. I really need to consider moving that policy. What do you ride?
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