BMW Insurance Cost — Average Rates by Model

The BMW X1 is typically the cheapest to insure at an average of $2,150/yr. Its luxury subcompact suv classification, IIHS Top Safety Pick safety rating, and medium theft risk all contribute to lower premiums.

The BMW X5 has the highest average insurance cost at $2,680/yr. As a luxury mid-size suv, it has higher repair costs and replacement value, which drives up premiums.

Yes. BMW vehicles generally earn strong safety ratings, which can qualify you for insurance discounts. Models with IIHS Top Safety Pick+ ratings may see lower premiums compared to vehicles with lower ratings.

Compare quotes from multiple carriers (Truvo compares 40+ for free), choose a model with lower insurance costs, maintain a clean driving record, bundle your auto and home policies, and ask about available discounts like safe driver or anti-theft device discounts.