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BMW car insurance

Compare car insurance prices for your BMW

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Who is BMW?

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 is known for being high-end and it includes SUVs, hatchbacks, and sedans. The sportier models often appeal to younger drivers, while larger BMWs make great family cars.

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How much does a BMW cost to insure?

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 the least expensive and 50 the most expensive. If you drive a powerful BMW, it’s likely to be in a high insurance group and it will therefore cost you more to insure.

MoneySuperMarket data has found that the most expensive BMW model to insure is M4 Competition Package, while the cheapest BMW to insure is the BMW 1161.

  • 1

    Three most popular models

    1. 520 D SE -  £838 per year

    2. 116 I Sport - £731 per year

    3. 520D M Sport 190 - £886 per year

  • 2

    Three most expensive models

    1. M4 competition package - £1,477 per year

    2. 54 Coupe - £1,333 per year

    3. X5 XDrive40D M Sport (308) - £1,315 per year

  • 3

    Three least expensive models

    1. 116 - £426 per year

    2. 520 - £521 per year

    3. 318 - £570 per year

What cover do I need for my BMW?

There are three main types of car insurance policy available. These are:

  • Fully comprehensive

    Fully comprehensive covers you and your car as well as any third parties involved in an accident - it offers the most complete protection available

    £560 on average2

  • Third-party, fire and theft

    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 

    £753 on average2

  • Third-party only

    Third-party only covers the third party, their vehicle and their property - not you or your car. It's the legal minimum in the UK

    £620 on average2

What extra features can I add to my BMW policy?

Most insurers allow you to add extra features to your car insurance policy. These include:

  • Breakdown cover

    Breakdown cover pays out for roadside assistance if your vehicle breaks down

  • Motor legal protection

    Motor legal protection covers legal costs you might face related to a car insurance claim

How can I cut the cost of my BMW insurance?

BMW insurance is more expensive than cover for some cheaper cars but there are lots of ways to cut your car insurance costs, including the following:

  • 1

    Improving your car's security

    Alarms and immobilisers are features that make your car more secure, and insurers offer reduced premiums in return for the lower-risk 

  • 2

    Avoiding small claims

    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

  • 3

    Lowering your mileage

    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

  • 4

    Paying premiums annually

    Paying annually generally works out cheaper than spreading the cost over 12 months, if you can afford to pay the lump sum

Why choose MoneySuperMarket?

There are lots of reasons why you should choose MoneySuperMarket to find your next BMW car insurance policy:

  • Find great deals on car insurance

    Compare car insurance quotes online to find a great deal on your next policy. It’s quick, easy, and can save you money

  • Tailored cover

    We ask all the right questions to narrow down your search for policies that give you the cover you need

  • Access support and tools

    With our live chat, car monitor, NCD calculator and more, we can help apply for and manage your car insurance

Rebecca Goodman

Our expert says


If you’ve got a BMW or you’re considering buying one, you’ll also need to factor in the price of insurance. While it depends on lots of different factors including your age and driving experience, you can expect to pay more with an BMW than if you were insuring a cheaper car. However, there are still lots of ways to cut costs, from paying annually to comparing policies.

- Rebecca Goodman, Financial journalist

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