Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jul 9, 2019

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Auto insurance for a luxury sedan like the BMW 5 Series comprises a significant portion of this vehicle’s total cost of ownership.

According to data from Edmunds, the average BMW 5 Series owner will pay around $8,811 for car insurance during the first five years of ownership. This breaks down to approximately $1,760 per year and $147 for drivers who pay monthly.

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However your auto insurance rates could be much higher or lower than these estimates depending on your driving record, zip code, and the amount of coverage that you purchase.

Most owners of luxury cars opt for comprehensive insurance to protect their investments.

Ownership Costs for the BMW 5 Series

In addition to car insurance expenditures, you’ll also fork over nearly $10,500 for fuel over five years, based on current prices and mileage of 15,000 per year.

The 5 Series gets 22 mpg in the city and 32 mpg on the highway, which makes it one of the more fuel efficient luxury sedans on the road.

Edmunds estimates that you’ll pay about $8,000 in financing costs during the first five years, but this figure will be lower if you have a very high credit score or you make a large down payment on your BMW.

Since BMW offers all owners free maintenance for the first 50,000 miles or four years, scheduled maintenance costs for this vehicle are low.

If you plan to put lots of miles on your 5 Series, though, you may find yourself paying for expensive maintenance sooner than the average driver.

The BMW 5 Series is covered under warranty for the same time period, so you could also end up footing the bill for expensive repairs if you hit the 50,000 mile mark quickly.

By way of comparison, Mercedes E Class owners report paying over $3,500 for maintenance during the first four years of ownership. Insurance and fuel costs are also higher for the E Class, at about $1,925 per year and $13,101 for five years, respectively.

Fuel costs for the Lexus GS are also slightly higher, at $11,912 for five years, as are insurance rates, at about $2,125 per year. When it comes to long-term cost of ownership, Edmunds’ data indicates that the 5 Series is a good buy.

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BMW 5 Series Safety Features and Ratings

The federal government’s crash testing agency has not yet reviewed the BMW 5 Series, but this luxury sedan impressed the Insurance Institute for Highway Safety (IIHS), and the organization designated the 5 Series a “Top Safety Pick” for 2011.

It earned the highest possible rating of “Good” in all four major crash tests: frontal offset, side-impact, roof strength, and rear crash protection/head restraint.

BMW has outfitted the 2011 5 Series with the extensive safety features that you’d expect on a luxury sedan, including electronic stability control, side-curtain airbags, traction control, and emergency brake assist.

U.S. News and World Report points out, though, that the BMW 5 Series does not feature a driver’s side knee airbag, which is standard on the Lexus GS and the Mercedes-Benz E Class.

The 2011 5 Series is also equipped with brand new safety technologies like a blind spot detection system and a “night vision” system that alerts drivers to potential hazards before they are within headlight range.

Another feature that addresses BMW drivers’ need for both safety and convenience is the free 4-year subscription to BMW Assist that is standard on all 5 Series sedans. The system will contact emergency responders and indicate the car’s location in the event of a crash.

U.S. News says that the 4-year subscription offered by BMW is much longer than those offered for competing systems like GM’s OnStar and Lexus’ Enform.

Performance Reviews for the BMW 5 Series

U.S. News ranks the BMW 5 Series #3 out of 16 vehicles in its “Large Luxury Car” category. The 2011 Mercedes-Benz E Class ranks #1, and the 2012 Audi A7 takes home the #2 spot.

The 5 Series was redesigned for the 2011 model year, and reviewers love the new look and more luxurious cabin. Edmunds calls it “tough to beat,” and Popular Mechanics deems it a “solid car.”

Drivers can choose between the 535i engine and the 550i engine. The former generates 300 horsepower with a 3.0 liter, 6-cylinder turbocharged engine, and the latter puts out 400 horsepower with a turbocharged 4.4 liter V8.

The Los Angeles Times calls the vehicle’s acceleration “seamless,” but reviewers are a bit disappointed with the car’s handling.

Popular Mechanics says that the Sport Handling Package and other upgrades make the new 5 Series feel more like a BMW, but the car is a bit “ponderous” with the standard suspension.

Interior Amenities in the BMW 5 Series

Although BMWs are typically described as “driver-centric,” with lots of driver’s side amenities but few on the passenger’s side, the new 5 Series escapes this label.

The Los Angeles Times says the sedan’s interior is “just about perfect,” and Autoblog describes the controls as “ergonomically sound.”

Car and Driver’s reviewer raves about the “heavenly” seating, and Edmunds notes that space for passengers is a bit more generous than in previous 5 Series models.

Reviewers also love the 2011 5 Series’ simplified iDrive infotainment system, which they say is more intuitive than previous iterations.

The 5 Series also offers options like a navigation system, leather seats, a rear entertainment system with two 8-inch monitors, and 4-zone climate control. Ambient lighting and a driver’s seat memory function are both available as well.

Need auto insurance for a BMW 5 Series? Start an auto insurance comparison search online and compare auto insurance quotes from providers nationwide.

As a luxury car owner you need to pay special attention to policy limits, types of coverage and more when choosing a car insurance policy.

Compare your auto insurance options today and find affordable car insurance for the BMW 5 Series online.

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