BMW insurance

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BMW insurance

Founded in Germany in 1916, BMW's range of cars fall into a variety of categories, including executive saloon, 4x4 and high-performance sports. Insurers will rate on each car differently.

The BMW group comprises of BMW, Mini and Jaguar, with each brand being completely different, catering for drivers of all ages and car tastes. 

Below we’ve pulled together information on past and present BMW models. This also includes an average car insurance price for each car across different age groups. These prices are an average based on all specifications of that model, and all our customer quotes from 1/1/17 – 30/06/17. This includes different locations, driving background and other factors. Your own quote could be cheaper or more expensive depending on your personal circumstances.
BMW logo

BMW 1-Series 2004 - present

This mid-sized hatchback markets itself as a family car. It has four-wheel drive, the option of having three or five doors, and comes with either a petrol or diesel engine.

As expected of BMW, the 1-Series is well engineered and the standard kit is high in quality. Even on entry-level trims you can expect keyless start, alloy wheels and automatic wipers as standard.

For drivers aged 31 to 35, the average premium is £871* based on previous quotes. 

Specification (Hatchback 11 onwards) Engine Size  Typical Insurance Group** Tax Band**
ES 1.6 - 2.0 12 - 17 B - E
SE 1.5 - 2.0 12 - 24 A - G
Sport 1.5 - 2.0 13 - 24 B - H
 M Performance  3.0 39 H - J
M140I 3.0 37 G - J
BMW 1 Series

BMW 3-Series 1975 - present

In its sixth generation, the 3-Series has dominated the four-door executive car market – popular with both companies and private buyers. 

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.

For drivers aged 30 and under, insurance prices will be pretty high, with the average cost being £2,108* for 17 to 30 year olds. However, experience can work in your favour… If you’re aged between 41 – 45, you could be paying £914*.

Specification Engine Size  Typical Insurance Group* Tax Band**
M3 (14 onwards) 3.0 45 J - K
Gran Turismo (13 onwards) 2.0 - 3.0 23 - 42 C - J
Touring (12 onwards) 2.0-3.0 21 - 42 B - J
Saloon (12 onwards) 1.5 - 3.0 18 - 47 A - K
BMW 3 Series

BMW 5-Series 1972 - present

Another executive series, this range of car is packed with technology. The standard entry-level specification has more equipment than any rival, which instantly adds more value to the car.

The higher the trim you choose, the more extras you get. Some 5-Series can change lanes safely on the motorway without the driver touching the steering wheel. 

If you’re aged between 36 and 55, insurance will be around £928* according to previous quotes.

Specification Engine Size  Typical Insurance Group** Tax Band**
M5 (11 - 16) 4.4 47 - 50 L
Touring (10 - 17) 2.0 - 4.4 30 - 46 C - L
GT (09 - 17) 2.0 - 3.0 33 - 47 E - M
 Saloon (10 - 17) 2.0 - 4.4 30 - 46 B - L
BMW 5 Series

BMW 6-Series 1976 - present

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

With a powerful engine comes a price tag. Drivers aged between 26 and 50 could be paying around £1,202* on car insurance.

Specification Engine Size Typical Insurance Group** Tax Band**
M6 Convertible (12 onwards) 4.4 50 L
M6 Gran Coupé (13 onwards)


50 L
Coupé (11 onwards) 3.0 - 4.4 49 - 50 F - L
Convertible (11 onwards) 3.0 - 4.4 49 - 50 F - L
Gran Coupé (12 onwards) 3.0 - 4.4 50 H - K
BMW 6 Series

BMW 7-Series 1977 - present

The 7-Series minimises the use of the physical buttons as control functions. Instead there are sensors by the rear-view mirror to detect the driver’s hand movements, meaning simply rotating your wrist can adjust the radio volume. Once you’ve got used to that feature, how about parking your car when you’re not even in it? You can now operate your car into a tricky space by using controls on the display key.

Insurance costs for the 7-Series could be around £972* for 51 – 55 year olds. 

Specification (15 onwards) Engine Size  Typical Insurance Group** Tax Band**
Standard Trim 725d - M760Li 44 - 50 A - M
xDrive 730d 46 E - H
Exclusive 725d - 750i 46 - 49 A - J
M sport  725d - 750i 45 - 49 A - J
BMW 7 Series

BMW i3 2013 - present

In 2007, in BMW’s Munich factory, seven people started a project. Fast forward six years and the i3 hit the streets. This electric car is the first brought out by BMW, and pits itself against the Renault Zoe and Nissan Leaf. Charging time is 10 hours from a standard socket. However, a fast charging station will get you to 80% battery in 30 minutes. 

Specification Engine Size Typical Insurance Group** Tax Band**
Standard trim Electric 21 A - B
Inspired by Mr Porter Electric 23 A


BMW i8 2014 - present

The i8 is a hybrid two-door sports car that can reach 0-62mph in 4.4 seconds. This car is lightweight – coming in at under 1,500kg, it has an electric motor up front and a turbo-charged 1.5-litre petrol engine in the rear. 

You don’t have to worry about congestion charges or car tax as it only has a CO2 output of 49g/km. 

As with any sports car, insurance costs can be quite high for young and inexperienced drivers. According to previous quotes, if you’re aged 41 – 45 you can get insurance for around £1,815*

Specification Engine Size Typical Insurance Group** Tax Band**
Standard trim Hybrid 50 A - B
Protonic Frozen Black Edition Hybrid - B
 Protonic Frozen Yellow Edition Hybrid - B
Protonic Red Edition Hybrid 50 A
Protonic Silver Edition Hybrid 50 A

BMW X1 2009 - present

The X1 has had a complete redesign, making it easier on the eye and the purse strings. Because of the new technology that’s been added in the car to make it safer, it can now be found three to six insurance groups lower than the previous X1. 

If you’re aged between 31 and 45, premiums could be around £705*. 

Specification (15 onwards) Engine Size Typical Insurance Group** Tax Band**
SE  18d - 20i 24 - 34 B - H
Sport 18d - 20i 25 - 34 B - H
xLine 18d - 25d 25 - 34 B - H
M Sport 18d - 25d 25 - 34 B - H

BMW X3 2003 - present

In its third generation, the X3 has fierce rivals – including the Audi Q5 and the Land Rover Discovery Sport. This car shares its platform with the 3-Series. It has diesel or petrol engines options, and all models have an eight-speed automatic gearbox as standard.   

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

Drives aged between 31 and 41 could be paying around £794* for car insurance, based on previous quotes.

Specification (13 onwards) Engine Size Typical Insurance Group** Tax Band**
xLine 2.0 - 3.0 30 - 40 G - I
SE 2.0 - 4.4 23 - 40 D - I
 M Sport 2.0 - 3.0 23 - 43 E - I

BMW X5 1999 - present

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.

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

On average you could get car insurance for £991* if aged 46 – 55.

Specification (13 onwards) Engine Size Typical Insurance Group** Tax Band**
Standard trim 3.0 47 H - J
SE 2.0 - 4.4 37 - 46 A - L
M 4.4 50 M
M Sport 2.0 - 4.4 37 - 47 A - L

BMW X6 2007 - present

The X6 markets itself as a Sports Activity Coupé, and has split opinions since it hit the roads in 2009, with the majority of models being sold in the US and China. However, the newer X6 has made its lines more subtle, and still keeps its unique sporty 4x4 look. 

Insurance costs on the X6 can get pretty pricey. On average, 31 – 35 year olds will be looking at around £1,520*.

Specification (14 onwards) Engine Size Typical Insurance Group** Tax Band**
Standard Trim 3.0 47 H - J
SE 3.0 - 5.0 41 - 46 G - K
M 4.4 50 M
M Sport 2.0 - 4.4 42 - 46 G - L

BMW Z4 1977 - present

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

On average, insurance premiums will be £515* for 36 – 50 year olds. 

Specification (09 onwards) Engine Size Typical Insurance Group** Tax Band**
Standard trim 2.0 - 3.0 34 - 43 G - K
S Drive 2.5 - 3.0 40 - 43 J - K
Highline Edition 2.5 38 J
M Sport 2.0 - 3.0 35 - 42 G - K

**All information sourced from


Did you know?

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