Cost of BMW Car Insurance (2025)
The average cost of insurance for a BMW is $182 per month, but rates vary depending on the model, your driving history, and more.
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BMW is the most-shopped luxury car brand and remains a popular pick for drivers who can afford its price tag. Models start at around $40,000 but can cost upwards of $150,000.
Due to the price range, car insurance costs for BMWs are higher than many other car brands. The average cost for a full-coverage BMW policy is $238 per month, while liability-only coverage costs $127.
Comparing car insurance rates can help you find affordable coverage. Here’s how to find the best coverage for your BMW.
Cost of BMW insurance by model
Your BMW model affects the average cost of car insurance, but the price difference isn’t huge. Average monthly quotes for BMW liability insurance range from $113 to $144 — a $31 difference between the highest and lowest costs.
Here are the average BMW insurance costs for liability-only and full coverage based on car model.
Cheapest BMW insurance by model
The model of your BMW affects how much you pay for car insurance. In the sections that follow, you’ll see how different insurers stack up for different BMW models.
The 2025 2 Series has an MSRP ranging from $40,775 for the 240i trim to $53,775 for the M240i xDrive trim. See how much it costs to insure this model in the table below.
The 3 Series is a customer favorite. The MSRP starts at $47,125, which is a mid-level price point for a BMW.
The 4 Series is known for its sporty trim and handling, which might explain why it’s the most expensive model to insure. The average insurance cost for the 4 Series is $205 per month.
The 5 Series is another top pick and one of the most popular models. The MSRP for the 2025 model ranges from $59,875 for the 530i to $74,575 for the 550x XDrive.
The BMW 6 Series is no longer in production, but you can still find used models. BMW released the last model year of the 6 Series nearly five years ago before quietly discontinuing it. See average insurance rates for this model in the table below.
As one of the most expensive BMW models, the 7 Series is also one of the most expensive models to insure. The MSRP starts at $98,475. Here are the insurance companies with the best rates for the 7 Series.
The sporty 2025 M3 comes with an MSRP ranging from $77,875 for the M3 trim to $87,175 for the Competition xDrive. It also has higher car insurance costs than many other BMW models.
The X1 is another BMW subcompact SUV, and it’s even more affordable than the X3. But the average monthly cost of coverage is $168, which is slightly higher. Despite this, the X1 is still one of the cheapest BMW models to insure.
As a subcompact SUV, the X3 is a solid family car at a lower price point. The average insurance rates for the X3 are some of the lowest, at $163 per month. Compared to the BMW X1, another subcompact SUV, the X3 is slightly less expensive to insure.
The X5 is the most popular SUV from BMW. The 2025 X5 has an MSRP ranging from $67,475 for the sDrive40i trim to $92,025 for the M60i.
Best companies for BMW car insurance
The best companies for BMW car insurance combine top-notch coverage, competitive prices, and high customer satisfaction. As you search for insurance, consider which factors matter most to you. BMW drivers can usually find the best coverage options from State Farm, USAA, and GEICO.
State Farm
GEICO
USAA
Average cost of BMW insurance by state
Many factors affect your car insurance rates, including where you live.1 In the chart below, you can see average car insurance costs across all BMW models by state.
How to ensure you have enough coverage on your BMW
Even though it’s essential to consider the cost of coverage, you also need to review the insurance policy details, too.
Two types of coverage options are available — liability only and full coverage. Full coverage is more robust and usually includes collision, comprehensive, and liability. Since BMW cars are generally more expensive to repair and replace, it usually makes sense to opt for full coverage. And if you’re financing your BMW through a loan or lease, your lender will probably require you to carry full coverage.
Here’s a look at some coverage options you may consider for your BMW.2
BMW car insurance FAQs
Choosing an insurance company for your BMW is a big decision. Here are some other auto insurance factors to consider.
The cheapest BMW insurance depends on the car model. In general, USAA, GEICO, and State Farm offer the cheapest BMW insurance.
The average cost to insure a BMW is higher than the national average cost of car insurance, which is $143 per month. The average price for insuring a BMW ranges from $113 to $144 for liability coverage. The car type affects how much you pay for car insurance, but other factors, like your age, ZIP code, driving record, marital status, and credit history, can also affect the cost.
The average insurance premiums for a BMW 4 Series are $268 per month for full coverage and $142 per month for liability-only coverage. It’s one of the most expensive models to insure.
The average cost to insure a BMW is higher than the national average because BMWs are luxury vehicles. Car insurance companies consider your car’s make, model, and cost when determining your premiums. Your age, location, credit history, and other information also influence the price.
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