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BMW CAR INSURANCE

Compare car insurance prices for your BMW

  • Find the right level of cover for you

  • Cut your car insurance costs

  • It's quick and easy

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About 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 it cost to insure a BMW?

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

How can I get cheaper insurance for my BMW?

Don’t accept the first price you see. Too many people let their car insurance automatically renew at a much higher price. Use a comparison service like ours to check you’re getting a competitive deal when your car is coming up for renewal.

Offering to pay a higher excess shows you won't make smaller claims - but be sure it's an amount you can afford if you do need to claim.

Driving fewer miles means your risk of being involved in an accident is lower, so you'll likely need to pay less for cover.

Paying annually might be a bigger initial spend, but you'll often end up paying less overall than you would with monthly payments.


Enhancing car security with wheel locks, alarms and immobilisers, as well as being kept off the street at night, can reduce insurance costs.

Modifying your car can be tempting - but the customised feel, improved performance and extra features usually mean your premiums increase.

What type of insurance do I need?

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.

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.

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.

Fully comprehensive

£907.50 [0]

Third-party, fire and theft

£1,410.27 [0]

Third-party only

£1,210.23 [0]

Where can I get insurance for my BMW?

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.

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What do I need to get accurate car insurance quotes?

  • 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

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Compare quotes from 177[1]Accurate as of 07 February 2025. insurers to find the best deal for you

It only takes a few minutes

Compare insurance for other makes and models

Check out our manufacturers page for more makes and models.

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