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BMW Insurance Rates

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Average insurance cost of owning a BMW

The average cost of insuring a BMW across all models is $186.18 a month, or $2,234.16 a year, although many factors influence the cost, including your driving history and location. For exact pricing, click on a specific BMW model below.

In this list of BMWs, you can click on a model name to find the average insurance cost, base cost of the car and where it ranks in our list of most expensive cars to insure.

BMW Car models

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Special notes

  • BMW’s emblem, which incorporates the Bavarian state colors, has been proudly displayed on its products since 1917.
  • BMW prices start at $34,000 and can go up to $154,000.
  • Because a BMW is no small investment, you’ll likely want more than just minimum liability coverage for this luxury car.
  • After World War II, BMW switched to producing pots, pans and bicycles until 1948, when they restarted motorcycle production.

Companies that provide coverage for BMW

Obtaining insurance for your BMW won’t be difficult. Most, if not all, of the big-name insurance companies provide coverage for this top-of-the-line automobile.

Details Features
Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
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Esurance
Esurance
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
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Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
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About the BMW brand

BMW can trace its roots back to 1916, when they began producing airplane engines. This short-lived production was halted at the end of World War I due to the Versailles Armistice Treaty. Once restrictions of the treaty were lifted, the company began to manufacture motorcycles, and soon after, automobiles. BMW briefly returned to airplane engine production during World War II, but after reconstruction continued making the automobiles and motorcycles that they are known for today.

What’s the Access by BMW app?

This pilot subscription service from BMW lets drivers in Nashville, Tennessee test out different BMWs starting at $2,000 per month. Pick out your new BMW through the iPhone or Android app and select your driving preferences, and a concierge will deliver the fully loaded vehicle when and where you’d like.

Switch as many times as you’d like within your subscription tier. Legend grade cars cost $2,000 per month and include the 4 Series convertible, 5 Series, X5 SUV or hybrid and the sporty M2 Coupe. M tier cars cost $3,700 a month but gain access to the M4 Convertible, M5, M6 convertible and the X5 / X6 SUV M models.

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