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. 

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. 

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*.

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.

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.

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. 

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. 

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*

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*. 

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.

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.

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*.

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. 

**All information sourced from Parkers.co.uk