BMW car insurance

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1Correct as of February, 2024

How much does a BMW cost to insure?

The cost of BMW car insurance can differ quite a lot, depending on the model you drive as well as your individual circumstances.

The average price to insure a few popular BMW models are:

Model Average price*
BMW 320 D M Sport
BMW 118i M Sport £1,225
BMW xDrive 20d M Sport  £849
BMW X5 Sport £1,083
BMW X1 xDrive Sport £746

*Based on data for comprehensive policies, August - January 2024.

How can I save on my BMW car insurance?

There are a few things you can do to save on your car insurance regardless of your age, location and driving history:

Shop around and compare quotes

Compare prices to make sure you're getting the best deal for your cover. According to our data you may find the best prices for your policy if you buy cover around 26 days before your renewal date2.

Estimate your mileage accurately

Typically, the more miles you drive, the more your insurance will cost. This is because driving more puts you at a higher risk of making a claim. Our customers drive 6,500 miles per year, on average2. If you don't drive many miles, you might benefit from a pay-as-you-go policy.

Improve your car's security

pto reduce the chance of car theft. Adding a steering wheel lock, car tracker or immobiliser can all help. If you have the option, parking in a secure garage rather than a dimly lit street can also help reduce the risk of your BMW being stolen.

Build up your no-claims bonus (NCB)

Most insurers will offer a discount for each year of NCB you've got. Look out for policies with NCB protection available as this will allow you to make a certain amount of no-fault claims without losing your NCB.

2Based on data October - December 2023.

Pay annually rather than monthly

It can cost up to 20%2 more to pay for your insurance monthly rather than with one annual payment. This is due to the additional interest costs insurers add to your total monthly price.

Add a named driver

Adding a driver with a good driving record and experience to reduce the cost of your insurance. Young drivers in particular can benefit from this, although you need to be honest about who the main driver is. Otherwise you may 'fronting', which is illegal and likely to invalidate your insurance.

Increase your voluntary excess

Many drivers opt for a voluntary excess of £250. But, the higher you set your excess, the lower the cost of your insurance may be. If you can afford to set it a little higher, you might be able to reduce your overall costs.

What insurance can I get for my BMW?

There are three levels of car insurance you can choose from:

  • Third-party
  • Third-party, fire and theft
  • Fully comprehensive
  • Third-party is the minimum level of insurance legally required to drive on UK roads. Third-party insurance covers you if you damage another person's car in an accident. It also covers injury to them or to passengers in your own car. It won't cover any damage to your BMW following an accident, or if it's stolen or damaged by fire.
  • Third-party, fire and theft gives you all the cover included in third-party, but with the added benefit of covering your BMW if it's stolen or damaged by fire.
  • Comprehensive is the highest level of cover available. With this, you'll have all the protection included with Third-party, fire and theft, as well as cover for your own vehicle in event of an accident. Although it's the highest level of cover it's often also the cheaper option.

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Page last reviewed: 29 February 2024

Reviewed by: Louise Thomas