Insurance by make
BMW Car Insurance
As a luxury performance brand, BMW premiums reflect higher parts and labor costs and stronger engines.
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Quick answer
Illustrative full-coverage insurance for a BMW starts around $210 per month for a standard driver profile, varying by model, trim, year, location, and record. Compare quotes to see your actual price.
BMW insurance cost by model
These illustrative monthly estimates assume a standard full-coverage profile. Your rate will differ.
| Model | Body type | Illustrative / mo | Details |
|---|---|---|---|
| BMW 3 Series | Sedan | $252 | View 3 Series |
| BMW 5 Series | Sedan | $284 | View 5 Series |
| BMW X3 | SUV | $263 | View X3 |
| BMW X5 | SUV | $305 | View X5 |
| BMW X1 | SUV | $241 | View X1 |
| BMW 4 Series | Coupe | $294 | View 4 Series |
| BMW X7 | SUV | $340 | View X7 |
| BMW 7 Series | Sedan | $357 | View 7 Series |
| BMW 2 Series | Coupe | $269 | View 2 Series |
| BMW X6 | SUV | $326 | View X6 |
| BMW M3 | Sedan | $368 | View M3 |
| BMW M5 | Sedan | $410 | View M5 |
| BMW i4 | Sedan (EV) | $277 | View i4 |
| BMW iX | SUV (EV) | $326 | View iX |
Estimated rates for illustration only — not a quote.
What affects your BMW insurance rate
Beyond the model you choose, insurers weigh your age, location, driving history, annual mileage, credit (where allowed), and the coverage limits and deductibles you select. Safety features and anti-theft technology can help lower your premium.
How to save on BMW insurance
The single best step is to compare quotes across insurers, since prices for the same vehicle can vary by hundreds of dollars. Also explore cheap car insurance strategies, full coverage trade-offs, and other vehicles.
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BMW insurance FAQs
BMW insurance costs depend on the specific model, trim, year, your location, driving record, and coverage level. On this page you can compare illustrative monthly figures by model. These are estimates for education only, not quotes.
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- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers