Insuring Your BMW

United Insurance Agents Can Help Get the Policy Right for You


There is a reason that BMW is known as “the ultimate driving machine,” which nearly any BMW owner will attest to. Known for its power and luxury, BMW has established itself as the world’s top luxury-car maker, with consistent consecutive sales of approximately 2.5 million cars each year (as of 2018).

When you invest in a car of this caliber, you need to protect it with a top-rated car insurance policy. United Insurance agents are some of the best in the insurance business. With over 50 years of experience, the UA Team can help you compare insurance companies, coverage options and rates to find the coverage for you and your BMW.

A Little BMW History

BMW dates back to 1916 when the German company Bavarian Motor Works was founded, originally manufacturing engines for aircraft. After the end of World War I in 1918, BMW was forced to cease aircraft engine production by the terms of the Versailles Armistice Treaty. So in order to remain in business, BMW produced farm equipment, household items and railway brakes, and by 1923, the company began making cars.

Best-Selling of the BMW models Today: The 3 Series

Sales are consistently in the hundreds of thousands each year, worldwide. BMW has been ranked #1 by news and consumer reports on a regular basis. It is a staple people love.

How Safe Are BMW Vehicles?

BMW not only has a reputation for being a great ride, it is also known for its safety. In fact, the Insurance Institute for Highway Safety (IIHS) named the 3 Series sedan a Top Safety Pick year after year, followed only by the BMW 5 Series. In addition, the 5 Series was one of the few cars that received an overall 5-star rating from the National Highway Traffic Safety Administration (NHTSA). Other BMW models that the IIHS named a Top Safety Pick included the X3 and the X5.

BMW takes pride in producing safe and reliable cars and their well-built bodies and standard-safety features are effective in preventing driver and passenger injuries in collisions. This fact is reflected in insurance rates as insurance companies are less likely to be faced with expensive medical costs for passenger injuries.

How Often Do BMW Vehicles Get Stolen?

You might find it surprising to hear BMWs are not a top-theft vehicle. According to the NHTSA, the BMW most subject to theft would be the 7 Series, which averages out to about 1.08 of every 1,000 cars. That number is low in comparison to other vehicles on The Most Stolen list.

While BMW theft-rate may be low, vehicle theft is something we all need to think about, particularly when buying car insurance.

How Much Does BMW Car Insurance Cost to Insure?

The cost of insuring a new BMW will obviously be a bit higher than average, as these powerful luxury cars are an expensive investment and you will want to purchase a fully-comprehensive policy with high liability limits. Insuring a BMW 3 Series might run anywhere from $3000 to $5000 per year, however a variety of factors will affect your insurance rates include your age, driving history, where you live and how often you drive your car.

The 5 Series (and most other BMW models) are less to insure than the 3 Series, starting at around $2000 per year.

Did You Know?

The 3 Series makes up about 30 percent of all BMW sales. These high-performance vehicles provide owners with a solid, reliable luxury car at a price that is somewhat attainable and even affordable for what you’re purchasing. Depending on the specifications and features, prices on a new 3 Series can start in and around $40,000 and go up to about $60,000.

If you are considering purchasing a BMW, be sure to factor in all of your costs, especially insurance when determining what overall ownership will cost you.

If you already own one of these vehicles, you may want to ensure that you are not overpaying for your policy.

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