BMW Insurance Rates

The typical BMW insurance rates, the average premium will cost between $171.85 and $406.44 a month. The Mercedes S-Class is a far more expensive vehicle to insure than the Toyota Camry or Honda Accord, thanks to its greater worth. 

Why are BMWs so expensive to insure?

BMW Insurance Rates - BMW Logo

Insurance will be more expensive since BMWs are considered premium cars. In other words, there are other influences that help to even things out. Selecting these optional safety measures from BMW’s options can help you lower your insurance rates. The lower the theft rate, the better.

Insurance is quite easy to get for your BMW. While most of the well-known insurance firms offer liability coverage for this top-of-the-line vehicle, there are a few exceptions.

Pros and cons of insuring a BMW


  • Great safety features
  • Not often stolen


  • Considered a luxury car

About the BMW brand

The first engines produced by BMW, in 1916, were from aircraft engines. Due to the Versailles Armistice Treaty, its short-lived manufacturing was brought to a stop shortly after the conclusion of World War I.

Restrictions on the treaty were subsequently removed, which allowed the firm to begin manufacturing motorcycles, and then cars. In World War II, BMW temporarily reverted to aircraft engine manufacturing, but after the war, the company returned to producing cars and motorcycles, and as a result, BMW is better recognized today.

What’s the Performance of BMW Insurance?

The manufacturer offers you supplementary insurance coverage for your BMW. Performance BMW Insurance, in partnership with Liberty Mutual, offers a number of customizable plans, designed to fit all BMW models. This strategy provides numerous benefits and has a multitude of unique offerings.

Are there any standout BMW models?

“A line that perfectly describes the 8 Series Coupe is perfection, refined and reinvented.” To make it seem like a sports vehicle, it utilizes modern technology, superior performance, and the utmost in luxury in a coupe-like design. It has a gorgeous interior and appearance and very active driving characteristics, as well as a twin-turbo V8 engine.

What’s the Access by BMW app?

For customers in Nashville, Tennessee, who want to experiment with various BMWs, this trial subscription service from BMW allows customers to try several BMWs beginning at $2,000 per month. When you have selected your preferences for car delivery via the Apple or Android app, a concierge will provide you with a fully equipped vehicle when and where you’d like.

Customize your subscription as much as you’d like within your tier. Car lineages of this caliber cost $2,000 each month and include the X5, M2, 4 Series convertible, and 5 Series SUV. On the other hand, mid-tier vehicles cost $3,700 a month but are equipped with features such as the M4 Convertible, M5, M6 convertible, and the X5 / X6 SUV.

BMW car facts

  • The badge with the Bavarian flag colors, which has been used on BMW goods since 1917, is prominently featured on all BMW models.
  • BMW begins at $34,000 and may be priced between $154,000 and $275,000..
  • You will almost certainly want to get more than just the bare minimum of liability coverage for a BMW.
  • BMW stopped manufacturing pots, pans, and bicycles after World War II and began making motorcycles again only in 1948.

Should You Buy A BMW?

In contrast to their premium peers, BMWs are a bargain to insure. Don’t just accept the first offer you get. Shop around to discover the best insurance for you.

Visit BMW 3 series Insurance Rates for more car insurance rates and reviews.