The BMW M5 Touring is the estate version of the M5, a plug-in hybrid with a 4.4 petrol engine. It is a rare sight in Singapore, and that shows in how few insurers price it online. Here is what we can put figures on.
The insurance figures are examples for one stated driver, as of 1 November 2026. Only one insurer prices the car online, and that price is an estimate.
The listed car
On 2026-10-10, the new-car list showed the M5 Touring Plug-in Hybrid 4.4 M xDrive. It is petrol-electric, with a 4,395cc engine and 717bhp combined. The list calls the body a Stationwagon, made in Germany.
The quote form prices the M5 Touring 4.4 M xDrive. That is the version most insurers quote.
How much it was listed at
The M5 Touring was S$804,888 as listed on 2026-10-10, with COE included. COE rounds move this figure, and dealer terms vary. Since the COE is part of the list price, a figure quoted in one round may change in the next. Ask each dealer what the figure covers. Items like a wall charger, servicing or a longer warranty can sit inside or outside it. Set two offers out item by item before you compare them.
COE: Category B
With a 4,395cc engine, above 1,600cc, the M5 Touring needs a Category B COE, as the price page says. In the October 2026, 2nd round, Category B closed at S$131,901. The COE page has later results.
Annual road tax
For a 4,395cc engine, LTA's formula gives S$4,566.88 a year before any age surcharge. Being a hybrid does not change this: road tax here follows the petrol engine's size.
The surcharge on older cars:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page works out other figures.
What insurance looks like
The BMW M5 Touring price page prices one profile:
- Car: M5 Touring 4.4 M xDrive, 3 years old, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
1 insurer prices it, at S$3,485.71 a year including 9% GST. That figure is an estimate, with a S$2,000 excess.
Eighteen insurers on the page have no online price for the M5 Touring. That means there is no online spread to compare. If you are serious about this car, get quotes on your own details. Insurers that do not list a model online may still quote it on request.
Reading the excess
The S$2,000 excess is the share of a claim you pay first. It is a large sum, so set it aside in your planning. When other quotes come in, check whether a lower premium brings a higher excess.
The effect of one change
The page shows the lowest price when one detail changes:
- No NCD (0%): S$7,432.66, 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, no change
- Car 8 years old: S$3,485.71, no change
No NCD is the costliest case, at 113% above the standard figure. A younger driver comes in a little lower. Car age has no effect on this estimate.
Every case rests on 1 insurer. So the table shows how that one insurer rates the car, not the market. Other insurers may weigh a young driver, an older driver or the car's age in their own way. Some may not quote a car of this value online at all. That is why your own quote matters more here than on a page with many insurers.
Against other big-engine cars
For the same driver and car age, the price page compares:
- 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 Touring costs 123% more, and all 6 cost less to insure. Many of them are priced by only a few insurers too, so their figures are also thin. The BMW car insurance page has other BMW models.
Bills that vary from owner to owner
- Petrol and electricity: a plug-in hybrid can run on both. Your charging habits and mileage set the balance.
- Parking: season parking at home and work. A large estate may need a roomy lot.
- ERP: depends on your routes and timing.
- Servicing: both the engine and the hybrid parts need care. Follow the maker's schedule and check the warranty terms.
- Depreciation: what you pay now against the resale price later.
Summary of yearly costs we can show
For the BMW M5 Touring 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 65: S$3,887.82
One-off, for reference: S$804,888 as listed on 2026-10-10, and Category B COE at S$131,901 in the October 2026, 2nd round.
Before you buy: car insurance for the BMW M5 Touring
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BMW M5 Touring 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.