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Frequently asked questions

  • How much does a BMW cost to insure?
  • Can I cut the cost of my BMW insurance?
  • Where can I find BMW insurance?

How much does a BMW cost to insure?

That very much depends on what model you’ve bought, as well as your own driving record and experience.  

One way to judge the potential price is to see what car insurance group it sits in. Typically, the lower the group, the lower the premium.  

But this isn’t wholly straightforward either. The 3 Series Coupe alone spans insurance groups 21-42, so if you’re worried about the insurance costs, choose your model and engine size wisely.  

The age of your car will also affect the cost – older cars might be cheaper to buy but may cost more to insure as their safety features and economic performance might not be up to the standards of a modern BMW.

These are the average quotes our customers obtained*:

BMW 1 Series: average premium £1,121.16 per year  

BMW 3 Series: average premium £1,047.76 per year

BMW X5: average premium £907.27 per year

*All average price amounts based on Compare the Market data in September 2018. These averages are based on all our customer quotes, from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your circumstances.

Can I cut the cost of my BMW insurance?

There are a number of ways to find the cheapest insurance deals. One is to tweak your voluntary excess. Or will you be sharing your BMW with a more experienced driver? That’s another way to reduce your insurance costs. But if you’re the named driver, make sure you’re the one who uses it most, otherwise you’ll be guilty of fronting.

Where can I find BMW insurance?

A great way to get a fair price for the right level of cover is to use our comparison service. In just six minutes, we’ll be able to provide you with personalised quotes helping you assess your options. You may well find you can save on your car insurance premium.  

Want to learn more about what to expect from car insurance premiums for another make of car? Check out our manufacturers hub for more information.

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