BMW Insurance
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BMW Car Insurance
Types of car insurance for a BMW
When shopping for BMW car insurance, you will have three main types of coverage to choose from. Third-party car insurance is often assumed to be the cheapest option. But this is rarely the case according to our latest Quotezone data. Third-party policies are now 73% more expensive than fully comp car insurance for an average driver.
Comprehensive car insurance for a BMW
Fully comp cover offers the most extensive protection for your BMW. Including damage to your own vehicle, third-party vehicles and property, and even theft or fire damage. It’s ideal for those who want complete peace of mind.
Third party BMW insurance
Third party is the minimum legal requirement in the UK and covers damages or injuries to others and their property, but not your own BMW.
Third party, theft and fire car insurance
TPTF insurance offers a good middle ground between fully comp and third-party cover, protecting others while also covering your BMW against theft and fire damage.
BMW drive away insurance
Need temporary cover for your new BMW? Drive-away insurance gives you short-term protection. It’s perfect for getting your car home after your initial purchase. Quick and easy to set up, it keeps you safe and legal on the road.
Additional coverage available for a BMW
How can I get cheaper BMW car insurance quotes?
Give an accurate annual mileage
Be realistic about your estimated mileage to avoid overpaying for coverage you don’t need. If you plan to use your BMW as a second car then make sure you let your insurer know. Often lower mileage correlates with a lower risk of accidents which can lead to a discount on your insurance quote.
Improve your car’s security
Taking steps to improve the security features on your BMW will not only help to add to your own peace of mind but can also, in many cases, mean discounts on your insurance. Insurance quotes are always about calculating risk, so taking measures to reduce the risk of your car being stolen or vandalised could be rewarded by an insurer.
Pay your premium annually
It might feel like a lot to pay out in one go, but paying annually will usually save you money as you won’t be paying interest on a monthly payment plan.
Increase your voluntary excess
Choosing a higher excess (the amount you pay towards a claim) can reduce your premium. Just be sure to choose an amount you can afford if you need to claim.
Only choose the cover you really need
Opting for additional add-ons to your policy can be nice to have, but it’s always worth considering their benefits against their costs. Assess your needs carefully and select the level of coverage that suits your requirements and budget to avoid paying for unnecessary coverage for features and options that aren’t essential for your BMW.
Shop around and compare BMW insurance quotes
One of the best ways to make sure you’re finding the cheapest and most suitable deal for your BMW is by shopping around and comparing quotes from multiple insurers. Our customers can quickly compare car insurance from over 110 UK insurers when they compare on Quotezone.co.uk.
How much does a BMW cost to insure?
The price of BMW insurance depends on three key things: the BMW, who is driving it, and how it is driven. For example, a 17 year old insuring a BMW X5 in London will pay much more than a 45 year old in Scotland with a BMW 1 series. The cost of your BMW insurance all depends on your insurance risks. These are calculated using factors including:
Your age and driving history
Your no claims bonus and driving convictions
Your location and accident rates in your area
If you use your car to commute or for socialising only
The market value, engine size, and security features of your BMW
The level of coverage and extras you select on your policy
BMW insurance groups
Insurance companies categorise cars into 50 insurance groups. Group 1 is typically the cheapest, while group 50 costs the most to insure. Smaller BMWs with less power and lower prices end up in cheaper groups. Think of a 1 Series hatchback compared to a luxury 7 Series sedan. But even within one model, there can be differences. For example, take the popular 3 Series Coupe – it can be in groups from 21 to 42 depending on the specifications and year. Your BMW’s age matters too. Older models might be in lower groups initially, but they could rise over time. This is because they might not have the latest safety features or use fuel as well as newer models. Here’s a guide of the insurance groups for a range of BMW models
| BMW Model | Insurance Group |
|---|---|
| BMW X5 Insurance Group | 37-49 |
| BMW 1 Series Insurance Group | 14-34 |
| BMW 3 Series Insurance Group | 18-42 |
| BMW 2 Series Insurance Group | 18-38 |
| BMW 330 Insurance Group | 37-40 |
BMW insurance FAQs
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*51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.