BMW Insurance: by Model, Year & Company

BMW insurance costs range from $99 to $635 per month, depending on your model, trim, and driving profile.

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BMW insurance costs: by company, cheapest, & most expensive models

Explore average insurance costs by model year for BMW vehicles — and compare across other makes and insurers to find your best-fit rate

Average rate & cheapest companies

Average rate is $1,611 for a 6-month full coverage policy. Progressive, American Family, & USAA offer the cheapest rates.

Cheapest model

For BMW vehicles, the 1 Series is the cheapest model at $99/mo on average.

Most expensive model

For BMW vehicles, the M5 is the most expensive model at $635/mo on average.

Average Cost of Insurance for BMWs
BMW ModelAverage Annual Premium
1 Series $1,658
2 Series $2,460
3 Series $2,400
4 Series $2,774
5 Series $2,628
6 Series $2,976
7 Series $3,651
i3 $2,150
i4 $3,565
i8 $4,865
iX $4,410
M2 $3,419
M3 $3,684
M4 $4,224
M5 $4,873
M6 $4,057
X1 $2,061
X3 $2,085
X4 $2,618
X5 $2,536
X5 M $3,731
X6 $2,906
X6 M $4,230
X7 $3,750
Z4 $2,568

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