The BMW M5 Sedan is a plug-in hybrid saloon with a 4.4 petrol engine. Few cars on Singapore roads carry bigger yearly bills. This guide sets out what we can show: the list price, the COE rule, road tax and insurance.
The insurance figures are examples for one stated driver, as of 1 November 2026. With only one insurer pricing this car online, they are a starting point at best.
The version on the list
The new-car list on 2026-10-10 shows one version: the M5 Sedan Plug-in Hybrid 4.4 M xDrive. It runs on petrol and electric power, with a 4,395cc engine and 717bhp in total. The body type is Sports, and it is made in Germany.
The quote form prices the M5 Sedan 4.4 M xDrive, the version most insurers quote.
Listed price
As listed on 2026-10-10, the M5 Sedan was S$784,888, COE included. List prices move after COE rounds. Check what each offer includes, such as a home charger, before you compare.
COE category
The price page says that with a 4,395cc engine, above 1,600cc, the M5 Sedan needs a Category B COE. Category B closed at S$131,901 in the October 2026, 2nd round. The COE page shows newer rounds. Category B premiums can swing by thousands of dollars between rounds. Since the COE is folded into the list price, a quote given in one round may not hold in the next. Ask how long a dealer will honour a figure.
Road tax on a 4.4 engine
Road tax follows engine size. For 4,395cc, LTA's formula gives S$4,566.88 a year, before any age surcharge. That is among the larger road tax bills for a private car, and it recurs every year.
After 10 years, the surcharge adds:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
See the road tax page to work out other engines.
One online price
The BMW M5 Sedan price page prices these details:
- Car: M5 Sedan 4.4 M xDrive, registered 3 years ago, private use, comprehensive
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
Only 1 insurer prices it: S$3,485.71 a year, including 9% GST. That price is marked as an estimate, and its excess is S$2,000.
Eighteen insurers have no online price for the M5 Sedan. With one estimated figure, there is nothing online to set it against. For a car like this, quotes on your own details are the only real test of the market. A broker can ask insurers that do not quote it online.
About that excess
A S$2,000 excess means you pay the first S$2,000 of most claims yourself. When you get other quotes, compare excesses as closely as premiums. A plan with a lower premium and a bigger excess may cost you more after one claim.
The change table
The lowest price after one change:
- No NCD (0%): S$7,432.66, which is S$3,946.95 more
- 20% NCD: S$5,946.11, S$2,460.40 more
- Driver aged 27, 3 years' driving, 30% NCD: S$7,112.91, S$3,627.20 more
- Driver aged 65, 20 years' driving: S$3,887.82, S$402.11 more
- New car, registered this year: S$3,485.71, the same
- Car 8 years old: S$3,485.71, the same
Your NCD carries the most weight. With none, the lowest price rises by 113%. The younger driver with 30% NCD lands a little under that.
Car age makes no difference to this estimate. A new car and an 8-year-old car price the same as the standard case. All cases rest on a single insurer, so treat the pattern with care. Other insurers may rate a new car or an older one quite differently. They may also treat a young driver of a car like this with more caution, or decline to quote at all. Your own quote is the only figure that settles it.
Six large-engine cars alongside
The price page compares the M5 Sedan with six cars of large engine size, for the same driver and car age:
- Audi RS Q8: S$2,154.12
- Audi SQ7: S$2,154.12
- Kia Amanti: S$1,397.35
- Audi SQ8: S$1,370.00
- Jeep Wrangler: S$1,227.67
- Jeep Wrangler Unlimited: S$1,087.84
Their average lowest price is S$1,565.18. The M5 Sedan costs 123% more, and all 6 are cheaper to insure. Several of those cars also have only a few insurers pricing them. The BMW car insurance page lists other BMW models.
Costs that depend on how you use it
- Fuel and charging: a plug-in hybrid uses both. How often you charge, and how far you drive, sets the mix.
- Parking: season parking at home and at work, plus a charging spot if you have one.
- ERP: your routes and travel times.
- Servicing: a hybrid system adds parts to look after. Follow the maker's schedule and read the warranty, including any battery cover.
- Depreciation: what you pay against what the car fetches later.
Summary of yearly costs we can show
For the BMW M5 Sedan 4.4 M xDrive:
- Road tax: S$4,566.88 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: S$3,485.71 a year, an estimate from 1 insurer (as of 1 November 2026)
- Insurance, no NCD: S$7,432.66
- Insurance, driver aged 27 with 30% NCD: S$7,112.91
One-off, for reference: S$784,888 as listed on 2026-10-10. Category B COE closed at S$131,901 in the October 2026, 2nd round.
Before you buy: car insurance for the BMW M5 Sedan
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BMW M5 Sedan to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.