finder.com
US
AU
NZ
UK
CA
SG
More
US
AU
NZ
UK
CA
SG
More

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Is BMW Performance Insurance worth it?

Get exclusive protection for your exclusive ride from BMW

Jing Jun Ma
Jing Jun Ma

Updated

Fact checked

You can insure your car or motorcycle with any insurance provider, but for the ultimate coverage created just for BMW owners, BMW Performance Insurance can protect your baby — but it’s not always the cheapest way to go.

What is BMW Performance Insurance?

Underwritten by Liberty Mutual and endorsed by the BMW Car Club of America, BMW Performance Insurance offers specialized policies tailored to BMW car and motorcycle owners.

What do I get with BMW Performance Insurance?

BMW Performance Insurance from Liberty Mutual gives you benefits like no other for a car that’s in a class of its own.

  • Genuine BMW replacement parts. If your car or motorcycle is damaged, get it fixed with genuine parts.
  • New car replacement. Get a brand-new BMW if yours is totaled in an accident.
  • Accident forgiveness. Your rates won’t go up the first time you get in an accident.
  • 12-month rate guarantee. Your rates won’t change for the first year you have your policy.
  • Roadside assistance. If your car breaks down, have it towed to the nearest mechanic or BMW dealer.
  • Multi-car discount. If you’re a BMW family, you can take advantage of exclusive discounts for multi-car policies.

Insurance for BMW Motorrad bikes

If you own a BMW motorcyle, Liberty Mutual’s BMW Performance Insurance also includes:

  • Towing to your nearest BMW Motorrad dealer. If your bike breaks down on the road, get it fixed by a licensed BMW mechanic.
  • Better Bike Replacement. If your bike is totaled in an accident, you can get a replacement that’s one year newer with 2,500 fewer miles.
  • Special savings. Save up to 10% when insuring your BMW motorcycle.
  • Experienced rider discount. Save money if you’re an experienced rider. And if you’re a newbie, you can also save by taking a safety course.

BMW Ultimate Protection Program

If you want even more protection for your baby, consider signing up for BMW’s Ultimate Protection Program for access to:

  • BMW extended service contract. Extend your warranty up to even years or 100,000 miles so you can be certain that covered repairs are performed only at a genuine BMW center using original BMW parts.
  • Lease protection. Avoid being charged for excess wear and tear to your leased car when you turn it in.
  • BMW protection products. Purchase additional coverage to protect your BMW tires and wheels from road hazards, your windshield from cracks or breaks and your paint job from dings and dents, along with 24/7 lockout assistance and key replacement.
  • Guaranteed auto protection. Also known as gap insurance, this covers the difference if your car is totaled and the check from the insurance company is less than you owe on the car.

    Our review of Liberty Mutual’s car insurance

    How do I sign up for BMW Performance Insurance?

    To sign up for BMW Performance Insurance or get a free quote on your rates, visit Liberty Mutual’s BMW Performance Insurance page or call 888-694-5644.

    Alternatives to BMW insurance

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    Progressive
    Progressive
    Optional
    30%
    All 50 states
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    Get quotes
    More Info
    Clearcover
    Clearcover
    Optional
    Yes
    AZ, CA, IL, LA, OH, TX, UT and WI
    Get instant online support and score a low rate thanks to online data that sets premiums automatically.
    Get quotes
    More Info
    The AARP Auto Insurance Program from The Hartford
    The AARP Auto Insurance Program from The Hartford
    Optional
    Yes
    All 50 states & DC
    Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
    Get quotes
    More Info
    Allstate
    Allstate
    13%
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    Get quotes
    More Info
    EverQuote
    EverQuote
    Optional
    Yes
    All 50 states
    Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
    Get quotes
    Esurance
    Esurance
    40%
    All states except AK, DE, HI, MT, NH, VT, WY
    Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
    Get quotes
    More Info
    loading

    Compare up to 4 providers

    How to file a claim

    If your car or motorcycle is damaged in an accident, you can take it directly to a BMW dealer or certified collision repair center. They’ll handle the entire claims process, and any work they do is guaranteed for the life of your car.

    What’s the fine print?

    Because of varying state and local laws, special deals and coverage options aren’t available everywhere, and there are exclusions that’ll be listed in your policy.

    • Discounts and savings vary by state and not all applicants will qualify.
    • New car replacement coverage has some conditions and is subject to your applicable deductible and covers total losses only. Your vehicle must be less than a year old, have been picked up brand new and have fewer than 15,000 miles. Coverage availability varies by state.
    • Towing and labor coverage applies to mechanical breakdowns only. It does not apply to accidents covered by collision or comprehensive coverage.
    • Accident forgiveness is available to qualifying customers only and is subject to Liberty Mutual’s underwriting guidelines. It’s not available in California and varies by state.

    Bottom line

    If you want specialized full-coverage protection for your new BMW car or Motorrad bike, Liberty Mutual’s partnership with BMW might be just what you’re looking for. But if you have an older BMW and just want to legally get out on the road as cheaply as possible, compare other car insurance providers for the best deal.

    Common questions about BMW Performance Insurance

    Picture: Ivan Kurmyshov / Shutterstock.com

    Read more on this topic

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site