BMW insurance

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

Other factors that will contribute to your insurance quote include the car’s age, engine size, security and safety features and replacement parts cost. These factors will also contribute to a car’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

You might also be interested in some of our articles and guides, such as how car insurance premiums are calculated.

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.

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.

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.

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.

Available as a Saloon or extended limousine, these stylish and 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.

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.

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.

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.  

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. 

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.

*All information sourced from Parkers.co.uk

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