Are BMWs more expensive to insure?
Car insurance premiums for BMW vehicles are generally 12% more compared to the average cost of other cars.
BMW insurance costs will vary based on the specific model you drive. Costs are influenced by a multitude of vehicle-specific risk factors such as safety ratings, repair costs, propensity for theft, value, and age.Cheapest Kia to insure
For instance, a BMW with high repair costs and poor safety ratings will likely be more expensive to insure than another vehicle in the same price range that has excellent safety ratings and low repair costs.
Cheapest BMWs to insure
The 2013 Bmw Active Hybrid stands out as the most cost-effective option in terms of insurance. On average, opting for state minimum coverage for this particular BMW model will result in a monthly premium of $40, while full coverage is estimated to cost drivers $151 per month.
Models such as the BMW 3 Series, 5 Series, and X3 often come with lower premiums thanks to their robust safety features and reasonable repair costs.
In addition to excellent safety features and more affordable repair costs, other factors contributing to cheaper BMW insurance include:
Smaller and less powerful engine options
Certain vehicle types, such as smaller and economical sedans
Lower vehicle value and replacement costs
Most expensive BMW to insure
Topping the list of the most expensive BMW models to insure is the 2017 Bmw M2 demanding an average monthly premium of $188 for state minimum coverage and $218 for full coverage.
High-performance and luxury-oriented BMW models often command higher insurance costs due to a variety of factors. Models such as the M8, X7 M60i, and the iX are recognized for their advanced technology, luxury features, and sporty performance—attributes that often translate to steeper insurance premiums.
Additionally, it’s important to consider other factors, such as your driving history, location, and age, as they can significantly affect your car insurance costs. While these factors contribute to average pricing trends, experts recommend shopping around for coverage tailored to your unique circumstances.