BMW Car Insurance

The average BMW car insurance rates are $150/mo, but your age and driving record will impact your personal BMW auto insurance premiums. BMW car insurance does qualify for certain discounts for the safety features, especially in the BMW 3 Series and 5 Series, but you’ll find cheaper rates if you comparison shop online. Start now by entering your ZIP code below and get free BMW car insurance quotes.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

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In a nutshell...

  • BMW is one of the most well-known luxury cars in the world
  • All BMW models come factory equipped with a long list of safety features
  • Comprehensive, collision coverage and GAP car insurance are three types of auto insurance any luxury car owner should have

The BMW brand is one of the most well-known brand names in automobile history.

Founded initially to manufacture aircraft engines in 1916, the BMW Company today is most well known for its line of luxury cars including the 5 Series, 7 Series, and M series

While the Versailles Treaty forced the BMW company to stop production of aircraft engines at the end of World War I, the company quickly used its knowledge of producing high-performance engines to launch the first BMW motorcycle in 1923.

Five years later, BMW entered the automobile industry and had never looked back.

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About BMW Cars

https://www.youtube.com/watch?v=DAMou-lX-Rs

BMW is synonymous with luxury and has one of the highest customer loyalty factors in the automotive world.

Not only are BMW cars high on the luxury scale but also home to some of the safest vehicles in the world.

All BMW models come factory equipped with a long list of safety equipment including:

  • ABS Brakes
  • Multiple Airbags
  • Anti-Theft devices

With the introduction of car leasing and some less expensive models (like the BMW 1 and 3 Series), the BMW Company currently sells over a million vehicles per year globally.

The BMW Company has also acquired several other famous brands including both the MINI and Roll-Royce line of cars.

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BMW Car Insurance

Although BMW is a luxury car, most drivers will find very affordable car insurance premiums for almost any model for some reasons:

  • Car repair costs are higher than average but not extreme like some luxury cars
  • A long history of safety and score extremely high on almost every crash test
  • BMW drivers are usually low-risk drivers and drive defensively
  • Replacement cost for many models is lower than most luxury cars. Models can start at just under $30,000 while most Mercedes and Jaguar models start much higher

Who has the best BMW car insurance rates?

This depends on your profile. Remember, there are no car insurance companies crowned as the company with the “best car insurance quotes.”

You need to learn about auto insurance and compare quotes on your own.

As a luxury car owner, however, you must understand that having the right car insurance is critical to your finances.

Any damage to a BMW car can cost you thousands of dollars to repair, so if you choose to carry state minimum car insurance requirements, you better have a black card ready.

Comprehensive, collision and GAP car insurance are three types of auto insurance any luxury car owner should consider with levels much higher than minimum requirements mandated by law.

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References:

  1. https://www.edmunds.com/car-leasing/
  2. https://www.jaguarusa.com/index.html
  3. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  4. https://www.nationwide.com/gap-insurance.jsp

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