BMW Car Insurance
BMWs start around group 20 and go to 50 — premium repair costs, strong performance even in "ordinary" trims, and theft appeal on the desirable models all feed the pricing. Within that, the spread is wide: a 118i insures like a warm hatch, an M3 like the 500-horsepower machine it is.
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- Q2 2026 premium data
- Insurance group free by reg
Premium data: Quotezone Car Insurance Price Index, Q2 2026 · updated July 2026 · quotes via Quotezone (FCA FRN 313860)
Key facts — BMW insurance (Q2 2026)
- Across 23,834 real BMW vehicles checked on Motorscan (8 May 2026 – 4 Sep 2026), ABI insurance groups ranged from 10 to 50 (of 50), with a median of 31.
- The UK average premium across all cars is £619 a year (fully comprehensive median, Q2 2026).
- Any specific BMW's exact insurance group is shown free when you check its reg with Motorscan.
Insurance groups for popular BMW models
ABI insurance groups run 1 (cheapest) to 50. The observed ranges below come from 23,834 real BMW vehicles checked on Motorscan between 8 May 2026 and 4 Sep 2026 — the exact group for any specific car depends on its engine, trim and year, and is shown free when you check its reg.
| Model | Insurance group | Notes |
|---|---|---|
| BMW 1 Series |
12–42 median 20 · 4,827 checked |
The 118i is the affordable entry; 128ti and M135i price as hot hatches. |
| BMW 3 Series |
18–45 median 31 · 6,119 checked |
The default exec saloon — 320i mid-20s, 330e high-20s, M340i pushing 40. |
| BMW X1 / X3 |
18–46 median 29 · 1,829 checked |
Premium crossover money; plug-in hybrids at the top of each range. |
| BMW 5 Series |
29–46 median 35 · 2,751 checked |
Big exec territory with big-exec repair bills. |
| BMW M models |
40–50 median 44 · 1,104 checked |
M2 through M5 are all top-group cars — see the performance guide for how to structure the cover. |
Observed groups are the ABI insurance groups recorded against real BMW vehicles checked on Motorscan (8 May 2026 – 4 Sep 2026); models with too few checks show the typical range instead. Trim and year decide the exact group — check any reg free above.
Check any BMW's exact insurance group — free
Enter the reg for the insurance group, tax & MOT status, MOT history and mileage record. The full check adds write-off, stolen and finance.
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One short form, quotes from 130+ UK insurers through our comparison partner Quotezone — and the reg box below starts it with your car's details already filled.
BMW Car Insurance — frequently asked questions
Is BMW insurance expensive?
Higher than mainstream badges, in line with Audi and Mercedes: expect groups from ~18 (118i) up to 50 (M cars). Premium repair costs and theft appeal drive it. The saving levers — garaging, trackers, accurate mileage, annual comparison — move BMW quotes more than most.
What insurance group is a BMW 3 Series?
Roughly 24–38 depending on engine and trim: a 320i SE sits mid-20s, a 330e high-20s, and an M340i around 38–40. The exact car's group is shown free when you run its reg through a Motorscan check.
Do trackers reduce BMW insurance?
Often, yes — for higher-value BMWs some insurers require a Thatcham-approved tracker, and many discount for one. Given keyless-theft rates on desirable models, it's worth fitting regardless; mention it in every quote.
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