BMW Insurance Rates

Are you looking to insure a BMW? Compare and review insurance rates for a range of BMW models.

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BMW is a German company, originally founded in 1916 as an aircraft engine manufacturer. At the end of World War I, their production was halted due to the Versailles Armistice Treaty. Eventually, the restrictions were lifted and BMW began manufacturing motorcycles, soon followed by cars.

When World War II began, BMW briefly returned to its roots and started to produce airplane engines. But, they then carried on developing their motorcycles and cars to eventually create the luxury models we know today.

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Average insurance cost of owning a BMW

The average cost of insuring your BMW will be decided mostly by the model you purchase. BMW have manufactured a vast range of different cars aimed to suit multiple types of lifestyle, including electric cars, sports cars and luxury SUVs. So, the insurance rates for different models varies greatly.

The model you choose will have a huge impact on your insurance cost, but it will also depend on your driving history, location and the insurance provider you choose.

Take a look at the list of BMW car models below. Click on the model you are interested in and you can find out 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

Companies that provide coverage for BMW

It won’t be difficult to find coverage for your BMW. You will find that most big insurance companies will provide coverage for these luxury cars. Why not check out the car insurance offered by the providers below.

Name Product Courtesy car cover New for old car replacement Drive abroad in EU? Personal accident cover Multi-car discount Policy options
Up to 90 days
Up to £5,000 personal accident cover or up to £7,500 for AA members.
N/A
New customers get AA Roadside Assistance for a year from just £15, plus discounts on breakdown cover upgrades.
Up to 90 days
Up to £5,000 personal injury cover
Insure more than one vehicle under the one policy. Every car added will earn its own discount.
Black Box Insurance, Car Sharing Insurance, GAP Insurance
Quotes starting from £248 per year. No claims & MultiCar discounts on offer.
Up to 180 days
Yes
N/A
Motor Legal Protection, Key Protection, Excess Protection
No upper age limit
Up to 90 days
Cover you or your partner up to the benefit amount outlined in your insurance agreement
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy
Black box insurance, Young driver insurance
  • Replacement, upgrade or the money in case of write off
  • No-claims discount protected if car is vandalised or hit by an uninsured driver
  • (terms apply)
Up to 90 days
Yes
Yes
Young driver insurance
Optional
You or your partner are covered up to the amount in your insurance agreement.
If you've got more than one car to insure at the same address, you could save yourself some money on every additional policy ( Introductory discount, Minimum premiums apply))
Black box insurance
  • Guaranteed hire car as standard
  • Taxi to get you to your destination if you've been involved in a crash (T&Cs apply)
  • No-claims discount protection (Terms apply)
Up to 90 days
£5,000 of personal injury cover for you and your spouse
Yes
Young and first time drivers insurance
Up to 90 days
You or your partner are covered up to £2,000 per person.
N/A
Short term car insurance, Young driver insurance
20% off MOT costs and 10% off servicing with comprehensive and third party policies.
Up to 90 days
Optional extra
If you've got more than one car to insure at the same address, you could save 10% on your cover
Multi-car, temporary insurance
Optional
Personal accident cover up to £5000.
N/A
Learner driver insurance, Young driver insurance, New driver insurance, Student insurance, First time drivers insurance
Up to £200 cover if handbag is stolen child seat cover.
No
Cover up to £10,000 per accidentand £2,500 per person.
N/A
Learner driver insurance
Insurance for young and learner drivers ages 17 to 25. Discounts up to 21% for good driving.
Up to 90 days
Get up to £10,000 cover per accident.
N/A
M&S Bank cardholder's save up to 15% when taking out a new policy or renewing existing insurance.
Up to 93 days with a foreign use extension
-
Up to 15% off certain additional car insurance policies
Young driver insurance
Up to 60 days
Cover for passenger injury.
N/A
Free breakdown cover for eligible new customers and 3 year guarantee on repairs carried out by approved repairers.
Up to 90 days
Optional extra
Get 10% off when you insure additional cars in your household
Multi-car, temporary insurance
Up to 90 days.
Up to £5000 cover.
If you're an existing customer and you insure your second car at the same address, you get a discount of £50

Compare up to 4 providers

Interesting BMW facts

  • BMW’s emblem has been displayed on all of their products since 1917 and incorporates the Bavarian state colours, symbolising the company’s roots.
  • A BMW is a huge investment so you’ll want to make sure you are as protected as possible. As it’s a luxury car, you’ll probably want more than a basic car insurance policy.
  • In the aftermath of World War II, BMW stopped motorcycle production and began producing pots, pans and bicycles. In 1948, their motorcycle production began again.

Other car brands you might want to see rates for

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*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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