Ashlee Tilford Written by Ashlee Tilford
Managing Editor

Ashlee is a dynamic business writer and editor with a focus on personal finance. With an MBA and more than fourteen years in the finance industry, Ashlee brings a practical and relatable perspective to insurance topics. She is passionate about empowering others to achieve financial success and protect their assets. When Ashlee isn't writing and editing, she enjoys spending time with her partner, dog and chickens on their farm in Kentucky.


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Car insurance rates vary based on the make and model of the vehicle and trim levels. According to Insurance.com research, the average cost of insuring a Bmw M850i is $4,604 per year or $384 per month. However, these rates can vary depending on your location, driving history, age, and other factors.

The auto insurance rates also change based on the vehicle’s model year. For example, the 2023 Bmw M850i costs $4,604 per year, whereas the 2022 Bmw M850i costs $3,824 annually. State Farm offers the cheapest annual rate for 2023 Bmw M850i $2,531 per year.

Keep reading to learn more about which state offers the cheapest car insurance rates based on model year and which model year is the cheapest to insure amongst all the models surveyed by Insurance.com.

Average insurance cost of Bmw M850i by model year

Year of Bmw M850i ModelAverage Cost to Insure
2023$4,604
2022$3,824
2021$3,574
2020$3,986
2019$3,120
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Compare Bmw M850i insurance rates by state

L O A D I N G
CompanyStyleAverage annual premium
Allstate4WD 2 Door Convertible DOHC Turbo$5,736
Geico4WD 2 Door Convertible DOHC Turbo$9,710
Farmers4WD 2 Door Convertible DOHC Turbo$6,178
Nationwide4WD 2 Door Convertible DOHC Turbo$7,018
Progressive4WD 2 Door Convertible DOHC Turbo$4,452
State Farm4WD 2 Door Convertible DOHC Turbo$4,303
Allstate4WD 2 Door Coupe DOHC Turbo$4,945
Geico4WD 2 Door Coupe DOHC Turbo$6,378
Farmers4WD 2 Door Coupe DOHC Turbo$6,178
Nationwide4WD 2 Door Coupe DOHC Turbo$6,750
Progressive4WD 2 Door Coupe DOHC Turbo$4,399
State Farm4WD 2 Door Coupe DOHC Turbo$4,111

Bmw M850i insurance rates per year

2023

2023 Bmw M850i insurance rates

Average cost to insure $4,604
Annual cheapest rate $2,531
Available trims XDrive, XDrive Gran Coupe
RankCompanyAverage annual premium
1State Farm$2,531
2Nationwide$4,216
3Progressive$4,644
4Geico$4,701
5Farmers$5,128
6Allstate$6,406
2022

2022 Bmw M850i insurance rates

Average cost to insure $3,824
Annual cheapest rate $2,215
Available trims XDrive, XDrive Gran Coupe
RankCompanyAverage annual premium
1State Farm$2,215
2Geico$3,515
3Nationwide$3,636
4Farmers$3,795
5Progressive$3,807
6Allstate$5,978
2021

2021 Bmw M850i insurance rates

Average cost to insure $3,574
Annual cheapest rate $1,799
Available trims XDrive, XDrive Gran Coupe
RankCompanyAverage annual premium
1Progressive$1,799
2State Farm$2,072
3Geico$3,511
4Farmers$3,668
5Nationwide$4,053
6Allstate$6,341
2020

2020 Bmw M850i insurance rates

Average cost to insure $3,986
Annual cheapest rate $2,198
Available trims XDrive, XDrive Gran Coupe
RankCompanyAverage annual premium
1State Farm$2,198
2Geico$3,271
3Progressive$3,380
4Farmers$4,161
5Nationwide$4,997
6Allstate$5,908
2019

2019 Bmw M850i insurance rates

Average cost to insure $3,120
Annual cheapest rate $2,239
Available trims XDrive, XDrive Gran Coupe
RankCompanyAverage annual premium
1State Farm$2,239
2Nationwide$2,626
3Allstate$2,640
4Geico$3,046
5Progressive$3,855
6Farmers$4,314
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