We compare BMW insurance cost for over 70 cars, SUVs, convertibles, and sports cars. Compare free quotes to find cheap BMW insurance. BMW Insurance [2026]: Compare Costs & Get Quotes BMW car insurance rates tend to be costlier than average, but you can shop around and explore discounts to save.
BMW insurance costs an average of $599 for minimum coverage and $2,051 for full coverage annually, with the cheapest rates from State Farm. The average cost of auto insurance for a BMW is $244 per month. The cheapest BMW model to insure is the BMW X1 SUV, at a rate of $192 per month.
BMW Insurance Rates The average cost of car insurance for BMW models is about $4,636 per year. This is $1,503 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year.
How much does it cost to insure a BMW? BMW's higher sticker prices tend to lead to higher average car insurance rates compared to more budget. Discover how much insurance is on a BMW, key cost factors, and tailored recommendations for different ownership types. BMW Insurance Cost The average cost of BMW insurance among national providers in 2025 is $2,753 per year or $229 per month, according to our data.
BMW insurance costs: by company, cheapest, & most expensive models Explore average insurance costs by model year for BMW vehicles. The annual average nationwide cost of full coverage car insurance for BMW is $3,778 per year. The X3 is the cheapest BMW model to insure.
Advanced safety features that come standard on BMW models help lower your insurance costs.