Best BMW Car Insurance Quotes (2024)
Since BMWs are considered luxury vehicles, BMW models can be expensive to insure. This is because luxury cars usually cost more to repair and replace. However, you can always find ways to get the best BMW car insurance quotes, such as taking advantage of discounts and comparing several providers.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The coverage you need for a BMW has a lot to do with where you live.
- Expect higher prices than average, but discounts never hurt.
- Don’t just insure your vehicle — insure the whole household.
BMW has survived many iterations and rebrandings since its inception in 1917 as an aircraft motor manufacturer called Bayerische Flugzeugwerke. It was the height of the First World War and the world was a mere inkling of what it would be in decades to come.
A century later, Beamers traverse roads and avenues all over the world and drivers in every country occasionally stop to ask themselves, “Should I really be paying this much to insure my BMW?”
You’re wheeling yourself around in a luxury vehicle, so it’s to be expected that you’ll pay more than you would in a Chevy Spark. (You’ll pay more to maintain and repair it too, but this surely comes as no shock.) If you’re behind the wheel of a BMW, you’ve opted not just for luxury, but for eye-catching sport. Both of those are had at a cost. Still, there’s no need in overpaying.
Below, we’ll cover how to determine which coverage selections you should opt for, which discounts to ensure you have, and how to obtain the best BMW car insurance quotes.
Comparing Coverage Options for Your BMW
On the open road, you’re operating more than just a means of transportation. You’re driving a financial asset on a set of rubber wheels and if you don’t protect it properly, you may be opening yourself to a world of unexpected expenses.
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Let’s go over a few, so you can avoid them.
Liability coverage
State car insurance requirements always include liability coverage as it’s the bedrock of all car insurance. Not only that, but it’s the coverage which most often comes to mind as being synonymous with the term “car insurance.” If you were liable for it, it probably falls under liability.
Comprehensive car insurance coverage
Many states waive car insurance deductibles for windshield repair/replacement so that alone is often reason enough to carry this coverage. The bigger the car, the more expensive the windshield. The nicer the car, the more a carjacker might like to make off with it. Comprehensive car insurance coverage covers claims like this, where nobody bumped into anyone or anything else.
Collision coverage
Still making car payments? Comprehensive and collision are required if so. If you own your vehicle, collision coverage becomes an option.
Put simply, if you collide with something else or someone else, liability coverage addresses the object/vehicle/person you hit, while collision coverage steps in to repair or replace the vehicle that caused the accident. Find the best collision coverage car insurance companies.
Uninsured/underinsured coverage
The MSRP on a 330i is $40,000. Most states require that any given driver carry less in liability than $40,000. So, what gives? If another driver totals your vehicle and they’re only responsible for $15,000 or $25,000 in damages, who has to come up with the difference?
If you don’t have underinsured coverage, you could be responsible for paying a higher cost to replace your own vehicle than you received from the person who caused the accident. Sure, you could sue them, but lawsuits are slow, arduous, and ultimately not so likely to work. Having this coverage gives your insurer the ability to step up and cover the remainder.
Find the best uninsured motorist coverage car insurance companies here.
Roadside assistance
If you’re an OnStar subscriber, ignore this entirely. If you aren’t, consider adding roadside assistance to your policy. There’s never a good time to leave your vehicle unattended. Somebody could damage it or worse.
Compare as many car insurance quotes as you can stand. Every car insurance carrier can quote various options. Don’t check all the boxes by default, but don’t leave yourself open to risk exposures you aren’t comfortable with either. Finding a happy medium can be stressful at first, but it saves time and headaches down the road. Find out how much car insurance you need.
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Comparing Rates and Discounts for BMW Insurance
How much is car insurance for a BMW? You’ll pay more than if you drove a Sentra, but there’s more to the story. How expensive are you to insure? A number of other factors that affect your car insurance rates include your age to your credit. So does your driving history, insurance history, location, and other personal information.
You have no power over how your insurer sees the vehicle you drive, but you have control over the risk they see. Let’s talk about how that can save you money.
Coverage options and car insurance discounts will vary naturally from provider to provider. For that reason, it’s important to gather quotes. But once they hit your inbox, take a look at the discounts section and make sure you’re being properly appreciated.
Here’s what to look for:
- Vehicle safety: BMW tries its best to make its vehicles un-stealable. Insurers appreciate those efforts and they’re rewarded with built-in savings which kick in automatically.
- Anti-theft: Same as above. Your model’s anti-theft features will be registered in the VIN decoding, so be sure to enter your vehicle’s full information as you gather quotes.
- Multi-car: Got several cars? Quote them all. Multi-car discounts are some of the deepest because insurers like to nab as many of your risks as possible and they’re happy to reward you for it.
- Multi-line: Do you own your home? Run a business? Have life insurance? Try bundling policies. Each line often receives its own discount and those savings add up.
- Driver training: These days you can slice through a defensive driving course in no time. Certain insurers even give separate discounts for each driver who’s completed a course.
- Usage-based discounts: Are you a safe driver? Prove it! Most insurers now offer electronic driving habit monitoring and the safer you drive, the more you save. It’s a fantastic option for those who drive safely and they know it, or for those looking for real-time feedback. Learn more about usage-based car insurance.
Selecting the Best Insurance Company for Your BMW
Once the info is gathered and all that’s left to do is choose your path forward, making the final call can feel daunting. Chances are, most prices aren’t so far off that it’s outrageous.
Similarly, when printed on a page or displayed on a screen, all auto coverage looks alike. The numbers tend to match, the discounts are for the same things, and there appears to be no difference no matter where you look. It’s frustrating.
Here are a few final tips to help you find the best BMW car insurance quotes:
- Check the ratings. You can’t guarantee what your experience will be, but you can see what others have thought about the coverage they’ve had. Ratings cover claim experience, customer satisfaction, and more.
- Ask your friends who they use. Listen to the tone of voice when they respond. Do they sound exasperated or happy? That’s a good indicator.
- Know someone who’s been in an accident? Ask about their experience. Note: Be sure you have at least 20 minutes to allow the person to vent when you ask, as an explosion is imminent. Still, so is pertinent information.
- Remember, you can always change later. Is it best to establish a long-term history with a provider and acquire loyalty discounts? Of course. But we all fall short sometimes. Besides, making the wrong decision now sometimes makes us happier with the right one later.
At the end of your search, go with the provider who makes you feel the best. If you feel comfortable getting out on the road, it’s a good sign. But if you worry that the smallest incident could cause a catastrophe, it’s high time for a change.
Frequently Asked Questions
What factors affect the cost of BMW car insurance?
The cost of BMW car insurance depends on several factors, including the model of the car, the driver’s age, driving record, location, and insurance history. BMWs are often expensive to repair, which can increase the cost of insurance. Additionally, high-performance models may cost more to insure than standard models.
What types of coverage are available for BMW car insurance?
The types of coverage available for BMW car insurance are similar to those available for other types of car insurance. These include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP).
How can I get the best BMW car insurance quotes?
To get the best BMW car insurance quotes, you should shop around and compare quotes from different insurance companies. Be sure to provide accurate information about your BMW and your driving record to get an accurate quote. Additionally, consider bundling your car insurance with other insurance policies, such as home insurance, to save money on premiums.
Are there any discounts available for BMW car insurance?
Yes, there are several discounts available for BMW car insurance. These may include safe driver discounts, multi-car discounts, good student discounts, and discounts for safety features on the car, such as anti-theft devices and airbags. Check with your insurance provider to see what discounts may be available to you.
Do I need to have comprehensive coverage for my BMW?
Comprehensive coverage is not required by law, but it is recommended for BMWs and other expensive cars. Comprehensive coverage can help protect your car in the event of theft, vandalism, or other non-collision incidents.
How can I lower the cost of BMW car insurance?
To lower the cost of BMW car insurance, consider raising your deductible, driving safely and maintaining a good driving record, and installing safety features on your car. Additionally, bundling your car insurance with other insurance policies and taking advantage of discounts may help lower your premiums.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.