Fully comprehensive
Fully comprehensive covers you and your car as well as any third-parties involved in an accidentis - it offers the most complete protection available
£912 on average2
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BMW is a famous German car manufacturer that’s known for luxury vehicles and motorcycles. However, when BMW – or Bayerische Motoren Werke – was founded in 1916, its purpose was to create aircraft engines.
The BMW range includes SUVs, hatchbacks, and sedans. The sportier models often appeal to drivers in their 20s, while larger BMWs make great family cars.
The cost of insuring a BMW will depend on the model you have, as well as factors such as your age and driving history.
Insurance providers sort cars into different insurance groups, with one being least expensive and 50 the most expensive. If you drive a powerful BMW, it’s likely to be in a high insurance group.
The most expensive BMW model to insure is predictably the futuristic I8, while the cheapest BMW to insure is the Z3 roadster – probably because it stopped being produced in 2002.
1. 320 - £888 per year
2. 318 - £897 per year
3. 118 - £874 per year
1. I8 - £2,277 per year
2. M140I - £1,566 per year
3. M140I Shadow Ed. - £1,549 per year
1. Z3 - £358 per year
2. Z4 - £429 per year
3. X1 - £566 per year
BMWs are more commonly found in London than anywhere else, with almost 22% of all BMWs insured through MoneySuperMarket located in the capital.
When it comes to age, BMW drivers are most likely to be in their 20s or 30s – together they account for over two thirds of all BMW owners insuring through MoneySuperMarket
Based on fully comprehensive car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.
There are three main types of car insurance policy available. These are:
Fully comprehensive covers you and your car as well as any third-parties involved in an accidentis - it offers the most complete protection available
£912 on average2
Third-party, fire and theft pays out for damage to the third-party, their vehicle and their property, but only covers your car against theft or fire
£1,254 on average2
Third-party onlycovers the third-party, their vehicle and their property - not you or your caris. It's the legal minimum in the UK
£1,910 on average2
2Based on fully comprehensive car insurance policies with one driver holding a full UK licence. Data collected between September 2020 and March 2021, accurate as of May 2021.
Most insurers allow you to add extra features to your car insurance policy. These include:
Breakdown cover pays out for roadside assistance if your vehicle breaks down
Motor legal protection covers legal costs you might face related to a car insurance claim
Personal accident cover pays out compensation if you’re injured or killed in an accident
Ways you might be able to lower your car insurance premiums include:
Alarms and immobilisers are features that make your car more secure, and insurers offer reduced premiums in return for the lower risk
If you can avoid making any claims in a year, you'll start to accumulate a no-claims discount - this will earn you increasingly cheaper cover
Driving fewer miles means spending less time on the road. You're less likely to be involved in an accident, making you a lower claim risk
Paying annually generally works out cheaper than spreading the cost over 12 months, if you can afford to pay the lump sum
It’s easy to find car insurance for your BMW when you compare quotes with MoneySuperMarket. Just tell us a bit about yourself, your car, and the level of cover you want, and we’ll show you a list of deals that match your requirements.
You can compare the options available by the cost of the policy, the cover you’ll receive, and the excess you’ll need to pay to make a claim. And once you’ve found the deal you want, all you have to do is click through to the provider’s page to finalise your purchase.
