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BMW insurance

Finding the right insurance policy and price for your BMW


  • World-leader in production of quality and luxury vehicles
  • Well established reputation for precision-engineering and performance expertise
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BMW insurance

Click on the BMW model below to find information for it:

1-Series 3-Series 5-Series 6-Series 7-Series
X1 X3 X5 X6 Z4

BMW's range of vehicles fall into a variety of categories, including executive saloon, 4x4 and high performance sports, and insurers will rate on each vehicle differently.

Other factors that will contribute to your insurance quote include the vehicle’s age, engine size, security and safety features and replacement parts cost. All these factors will contribute to a vehicle’s insurance grouping range, which can be used as a good indicator of potential premium prices.

  • The Association of British insurers allocate vehicle rating groups based on the above factors, and many more - our guide has more information on rating group allocation
  • Groups are numbered 1-50, with the lower numbers generally being cheaper to insure, and the higher, generally more expensive
  • To help you get an idea of how your quote is calculated, in the tables below, you can find a list of models, and their potential insurance groups*. We've also included the road tax categories that these models can fall into - though all will depend on the particular specifications of your vehicle

BMW group ratings

Insurers will also rate on a huge range of factors based around you, including your age, address, driving habits and history. This means that people in similar vehicles can sometimes have very different premiums.

The engine sizes and groups listed in the tables below are intended to give you an idea of the potential costs of premiums for the different models available, but you should remember that it only takes a few minutes for Confused.com to compare a large panel of providers and get our best prices direct to you.

You might also be interested in some of our articles and guides such as; how car insurance premiums are calculated, and how you can lower your car insurance premium.

BMW 1-Series

From the 1.6 hatchback to the 3 litre M Coupé, the 1-Series can appeal both to young drivers looking for cheap quotes, or executives looking for a sporty convertible – the range makes it suitable for a wide customer base, which has contributed to its success. 

Specification
Engine Capacity
Group Ratings*
Tax Bracket Range
Convertible (08 - on) 2.0 - 3.0
24 - 38
D - K
Coupe (07 on) 2.0 - 3.0
22 - 36
C - K
Hatchback (04 - 11) 1.6 - 3.0
17 - 34
C - L
Hatchback (11 on) 1.6 - 3.0
12 - 39
A - G
M Coupe 3.0
42
K

BMW 3-Series

With more than 30 years in production, there are a huge range of 3-Series variations available, which can make it difficult to categorise in insurance terms.

You could find the 3 Series in groups as high as 46, and tax bands up to K, meaning year-on-year running costs for your 3-Series can quickly add up. 

Specification Engine Size
Group Ratings*
Tax Bracket Range
Saloon 1.6 - 3.0
20 - 46
B - J
Touring 1.6 - 3.0
20 - 46
C - J
Convertible 2.0 - 3.0
30 - 46
E - L
Coupe 2.0 - 3.0
24 - 46
D - K

BMW 5-Series

The 5-series has been in production for over 4 decades, and has seen a huge variety of styles, engines, trims and options come and go from the range, many of which will contribute to its insurance premium. With cars that can vary so much in these areas, the best way to anticipate premium costs will often be to run a quote.

Specification
Engine options
group Ratings*
Tax bracket range
Saloon (10 on)
518 - 550
31 - 46
C - L
Touring (10 on) 518 - 550
30 - 46
D - L
GT (09 on) 520 - 550
33 - 47
E - M

BMW 6-Series

Available as a convertible or a coupé, the 6 Series comes with large, powerful engines, and even the standard models have some of the best and most stylish additional extras, adding to its appeal, practicality and value. These also put the 6 Series in typically high insurance groups.

Specification
Engine Options
Group Ratings*
Tax Bracket Range
Convertible (04 - 10) 630 - 650
48 - 50
J - M
Convertible (11 on) 640 - 650
49 - 50
F - K
Coupe (04 - 10) 630 - 650
45 - 49
I - M
Coupe (11 on) 640 - 650
47 - 50
F - L
Gran Coupe (12 on) 640 - 650
48 - 50
F - K
M6, all models (05 - 10) 5.0
50
L - M

BMW 7-Series

Available as a Saloon or extended limousine, the stylish, comfortable cars are among some of the most powerful and luxurious in the BMW range. This puts the 7-Series at the upper end of the tax and premium scales, available in tax bands G – M, and typically in groups 43 – 50. 

Specification
Engine Size
Group Ratings*
Tax bracket Range
7-Series (94 - 02) 728i - 750i
45 - 50
K
7-Series (02 - 08) 730d - 760Li 43 - 49
K - M
7-Series (08 - on)
730d - 760Li 45 - 50
G - M

BMW X1

The X1 is a compact luxury crossover SUV first produced in 2009. The 5-door SUV designed by Richard Kim is available across Europe, Canada and the USA, aiming to provide customers with desirable reliability, style and performance. 

Specification
Engine Size
Group Ratings*
Tax bracket range
Efficient Dynamics 2.0
24
C
SE 2.0
18 - 27
D - I
Sport 2.0
18 - 27
D - I
xLine 2.0
18 - 27
D - I
E.D. Business 2.0
24
C
M Sport 2.0
22 - 28
D - I

BMW X3

As a crossover the X3 features the space and practicality of a 4x4, whilst maintaining the style and performance of a BMW. Smaller than some other vehicles in the X range, the X3 still falls into a relatively broad range of groups and tax bands, which you can see below.

Specification
Engine Size
Group Ratings*
Tax Bracket Range
X3 (04 - 10) 2.0 - 3.5
27 - 42
G - M
X3 (11 - on) 2.0 - 3.0 23 - 40
E - G

BMW X5

Crammed full of technology including BMW’s iDrive system, the X5 can come with a lane departure warning system, active cruise control, a heads-up display and even an SOS call system.

Whilst these may have contributed to lowering premiums, the X5 still finds itself in relatively high groups, generally 40-50. 

Specification
Engine Size
Group Ratings*
Tax Bracket Range
Standard Trim 3.0 - 4.8
40 - 50
K - M
SE 3.0 - 4.4
40 - 50
J - M
Sport 3.0 - 4.4
40 - 47
K
SE Exclusive 3.0 - 4.4
44 - 47
L - M
Sport Exclusive 3.0 - 4.4
44 - 47
L - M
SE Sport 3.0 - 4.4
44 - 47
L - M
S 4.6
49
K
Exclusive Edition 4.8
50
M
Carbon Black 4.6
49
K
X5M 3.0 - 4.8
40 - 50
J - M

BMW X6

Based on an X5 chassis with a coupé body on top, the X6 is unique in its styling and appearance which has helped make it such a success. However, it bears many similarities to other X series models, including rather high groupings and tax bands. 

Specification
Engine Size
Group Ratings*
Tax Bracket Range
Standard Trim 3.0 - 5.0
43 - 50
J - M
[Dynamic] 3.0
43 - 50
J - M
M Performance 4.4
50
K
X6M 4.4
50
M

BMW Z4

As a sports car from one of the most renowned manufacturers in the world of quality, luxury vehicles, you’ll find the Z4 in groups 34 – 50, and fairly high tax bands too. Economy driving was not the focus during its design. 

Specification
Engine Size
Group Ratings*
Tax Bracket Range
Standard Trim
1.8 - 3.2
34 - 46
G - M
SE 2.0 - 3.0
37 - 45
I - K
Sport 2.0 - 3.0
37 - 45
I - K
S Drive 2.0 - 3.0
40 - 43
J - K
M Sport 1.8 - 3.0
35 - 42
G - K
Highline Edition 2.0
38
J
M Sport Highline 2.0 - 3.0
39 - 41
J

*All information sourced from Parkers.co.uk

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Did you know?

  • Established - March 7th, 1917
  • Founder - Franz Josef Popp
  • Headquarters - Munich, Germany
  • Divisions - BMW, Mini, Rolls-Royce
  • Products - Motorcycles, cars and bicycles

Other resources

There are a huge range of online resources available to help you understand how insurance premiums are calculated, and what other expenses you can expect from your vehicle. To the right you can find a huge selection of articles, guides and infographics full of useful information, though you may also want to try some of the following resources;

  • BMW's official website has a wealth of information on each model in the range, as well as prices, offers and financial service options.
  • The Parkers website is full of useful information about a wide variety of vehicles, including reviews, road tests, price guides and tax / motoring advice.
  • The DVLA website has tools and information to help you calculate the tax band and cost of your vehicle.

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