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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 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.
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.
Model | Average yearly premium |
|---|---|
118i M Sport | £824.96 |
520 D SE | £993.21 |
116i Sport | £1,041.52 |
330e M Sport | £1,490.12 |
118i Sport | £864.20 |
520d M Sport | £979.41 |
520d M Sport 190 | £1,116.57 |
320d M Sport | £1,143.12 |
X5 xDrive30d M Sport | £1,524.44 |
420d M Sport | £1,039 |
Increase – or add – a voluntary excess to get cheaper premiums. But make sure you could afford to pay this amount in the event of a claim.
Our research shows this is when you’ll get offered the best renewal quotes and that comparing quotes on this day can save you up to £231[1].
Pay for your car insurance in one go. Annual payments are up to 31% lower than the total cost of monthly instalments, saving you up to £267.
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024.
Convictions and endorsements for speeding or other driving offences will mean paying more for insurance.
Add-ons like breakdown cover cost extra to add to your policy. Cutting out the extras you don't need can reduce your car insurance price.
The more no claims bonus you have, the cheaper your premium will be.
You can reduce the cost of motor insurance by parking your vehicle off the road – such as a secure car park or locked garage – when you're not using it.
Young or inexperienced drivers can reduce premiums by adding an older driver to their policy.
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 accident - it offers the most complete protection available.
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.
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.
MoneySuperMarket's comparison tool allows you to compare quotes from trusted insurers across the UK. Once you've filled out a few details, we'll compile all your quotes in one place to help you find the best deal on your car insurance.
Your car registration number and driving licence number
Any no-claims bonus you’ve accrued
When you bought the car and any modifications made
Your expected annual mileage
Whether you’ll use the car for social, commuting, or business purposes
Note: you can still get a quote if you don't know the registration yet
It only takes a few minutes
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Based on MoneySuperMarket quoted policies for annual car insurance, between July 25th 2024 and October 23rd 2024
Accurate as of 16 May 2025.
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