BMW Car Insurance Quotes in 2026
BMW insurance costs an average of $183 per month. USAA offers the cheapest average car insurance coverage, at $102 per month.
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Reviewed byJohn Leach
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John LeachLicensed P&C Insurance Agent
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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In This Article
Key Takeaways
BMW car insurance costs about $183 per month, which is about 10% higher than the national average for all vehicles.
USAA, State Farm, and Allstate offer the most competitive rates for BMW drivers.
The BMW X3 is the cheapest BMW model to insure, while the 4 Series is the most expensive, according to our research.
The Cheapest Car Insurance Companies for BMWs
Regardless of average insurance costs, you still have ways to save money on your BMW car insurance. Shopping around and comparing rates is one of the most effective strategies. That’s why it’s essential to get quotes from multiple insurers.
Start with the five cheapest companies for BMW insurance in the table below, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $102 |
| State Farm | $113 |
| Allstate | $144 |
| American Family | $154 |
| GEICO | $158 |
| CSAA | $173 |
| Nationwide | $187 |
| Progressive | $191 |
| Travelers | $195 |
| Farmers | $221 |
| Liberty Mutual | $263 |
| Amica | $496 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
USAA has the cheapest average monthly premium for BMWs, at $102 per month, according to Compare.com data. While some companies offer below-average premiums, it’s important to remember that the best insurer for you will depend on your specific situation, including your driving record, your location, and the model of BMW you own.
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Car Insurance Costs for Top BMW Models
If you’re eyeing one of BMW’s bestselling models of 2025, it helps to know how much insurance might cost you. Below, you’ll see the average liability and full-coverage premiums for the most popular BMW models, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| X5 | $120 | $242 |
| X3 | $115 | $227 |
| 4 Series | $156 | $291 |
| 3 Series | $117 | $227 |
| X7 | $147 | $276 |
| 5 Series | $140 | $262 |
| X1 | $122 | $228 |
| All BMW models | $118 | $248 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
BMW X5
Average BMW X5 liability premium: $120 per month
Average BMW X5 full-coverage premium: $242 per month
2026 BMW X5 MSRP: Starting at $67,600[1]
The BMW X5 is a midsize luxury SUV, so its high price tag and premium features often mean above-average insurance costs. Its strong safety ratings help keep premiums reasonable for its class. Still, you’ll pay more than you would for a non-luxury SUV brand.
The table below shows the cheapest insurance companies and rates available for the X5, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $110 |
| Allstate | $141 |
| American Family | $150 |
| GEICO | $154 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
BMW X3
Average BMW X3 liability premium: $115 per month
Average BMW X3 full-coverage premium: $227 per month
2026 BMW X3 MSRP: Starting at $52,075[2]
The BMW X3 is a compact luxury SUV that offers sporty performance at a relatively affordable price, starting at just over $52,000. Expect to pay higher insurance premiums if you spring for the M50 trim level, which starts at $67,075 and comes with a bigger engine and 4,850 pounds of towing capacity.
Here are the most affordable insurance options for the X3, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $103 |
| Allstate | $132 |
| American Family | $141 |
| GEICO | $145 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
BMW 4 Series
Average BMW 4 Series liability premium: $156 per month
Average BMW 4 Series full-coverage premium: $291 per month
2026 BMW 4 Series MSRP: Starting at $52,675[3]
The BMW 4 Series comes in coupe, convertible, and Gran Coupe sedan body styles, giving drivers plenty of ways to enjoy this sporty luxury model. Higher trim levels command more expensive price tags and insurance rates, making the 4 Series the most costly model to insure in BMW’s lineup. That said, standard safety features help qualify you for discounts.
Below is a table comparing the lowest insurance premiums available for the 4 Series, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $111 |
| State Farm | $133 |
| Allstate | $147 |
| GEICO | $164 |
| American Family | $170 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
BMW 3 Series
Average BMW 3 Series liability premium: $117 per month
Average BMW 3 Series full-coverage premium: $227 per month
2026 BMW 3 Series MSRP: Starting at $48,675
The BMW 3 Series is a classic luxury sedan that starts at $48,675, making it one of the most affordable BMW models.[4] Insurance premiums tend to be lower thanks to its 5-star safety ratings, especially when you compare it to its more powerful siblings.
Check out the table below for the cheapest insurers and average rates for the 3 Series, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $103 |
| Allstate | $132 |
| American Family | $141 |
| GEICO | $145 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
BMW X7
Average BMW X7 liability premium: $147 per month
Average BMW X7 full-coverage premium: $276 per month
2026 BMW X7 MSRP: Starting at $87,875
The BMW X7 is a full-size luxury SUV that offers three rows of premium comfort and a base MSRP of $87,875, making it one of the priciest options in the BMW lineup.[5] Its large size and upscale features contribute to higher insurance costs. But a long list of standard safety features can help offset your premium.
Below is a table highlighting the lowest car insurance rates for the X7, based on our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| State Farm | $125 |
| Allstate | $140 |
| GEICO | $155 |
| American Family | $161 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The Best Car Insurance Companies for BMW Drivers
No single insurer offers the perfect combination of coverage and price for every BMW driver, so shopping around is essential. To help you narrow down your options, we’re spotlighting three top car insurance companies for BMW owners.
We chose each company based on factors like average premiums, available discounts, customer reviews, and coverage flexibility.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $101/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $187/mo |
3.9
A solid optionBased on 52 verified guest reviews and ratings
How drivers feel about Travelers
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Travelers
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (27)
Philip
Verified Review
Mediocre to Good
Reviewed in Georgia on January 2026
I have only experienced the renewal costs since I have not had any claims or extensive coverage changes. The agent is okay, but there's not much contact, either verbally or in writing.
John
Verified Review
Little More Information
Reviewed in Alabama on February 2025
They provide great coverage.
John
Verified Review
Confused
Reviewed in Alabama on February 2025
I paid in full for twelve months of coverage. After four months, I sold the car and had to pay an additional $81 to cancel the policy. Does that make sense to you? Later, I received a fifteen-dollar credit.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers stands out for its affordable premiums and extensive discount options, making it a strong pick for BMW drivers looking to save. You could qualify for extra savings if you drive a plug-in hybrid or maintain a clean driving record. Just be aware that Travelers’ claims satisfaction ratings are below the industry average, and coverage isn’t available in all 50 states.
Pros
Competitive rates for BMWs
Many discounts available
Offers gap insurance and accident forgiveness
Cons
Below-average claims satisfaction
Must call to complete your policy
Not available nationwide
| User Reviews | 3.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $182/mo |
3.1
A solid optionBased on 20 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Nationwide
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (7)
David
Verified Review
Too late to change to another company
Reviewed in North Carolina on December 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
Ron
Verified Review
Nationwide is becoming a Chintzy Picky Company
Reviewed in Missouri on May 2025
I like Nationwide, but they have become very picky and want me to do too many repairs before they take my money and purchase insurance.
Richard
Verified Review
Ready for a Change...
Reviewed in Pennsylvania on January 2025
It seems expensive, and there's no communication with me!
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide gives drivers plenty of flexibility when it comes to customizing their car insurance. From rental reimbursement and roadside assistance to gap insurance and accident forgiveness, the company offers a wide range of optional coverages to suit different needs and budgets.
You can also benefit from programs like SmartRide and SmartMiles, which reward safe and low-mileage driving with potential savings. But Nationwide policies aren’t available everywhere. Drivers in Alaska, Hawaii, Louisiana, and Massachusetts will need to explore other companies.
Pros
Usage-based car insurance available
Optional add-ons available
High claims satisfaction rating
Cons
Fewer discounts than some competitors
Rideshare coverage not available
Available in only 46 states
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
3.9
A solid optionBased on 29 verified guest reviews and ratings
How drivers feel about Safeco Insurance
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
AI-generated from the text of verified reviews collected by Compare.com
How drivers feel about Safeco Insurance
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
AI-generated from the text of verified reviews collected by Compare.com
Reviews (13)
Edward
Verified Review
Many Options
Reviewed in Wisconsin on August 2025
About the same as other websites.
S
Verified Review
Good
Reviewed in Oregon on February 2025
The price became unaffordable.
Charlene
Verified Review
Felt Like I Was Being Robbed
Reviewed in Texas on January 2025
I didn't like the middleman raising the price on the policy.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRAM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
It’s good to shop around for coverage regularly to ensure you’re getting the best coverage for the right price. But Safeco offers benefits that can keep you loyal for longer. The insurer offers accident forgiveness if you remain accident-free for a set number of years, and you can save up to $500 on your deductible over five years for remaining claims-free.
You can also get 2.5% of your premium back for each six-month period in which you don’t make a claim. That said, the insurer isn’t available everywhere, and if you’re looking for a completely online quote and purchase experience, you’ll need to go elsewhere.
Pros
Loyalty benefits available
Cash-back rewards for no claims
Includes new vehicle replacement
Cons
Few discounts available
Must work with an agent to get a quote
Available in only 35 states
Find Cheap BMW Car Insurance
Compare quotes from top insurers and get coverage at the best price.
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Based on 1395+ reviews
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Average Cost of BMW Car Insurance by State
Your location plays a big role in how much you pay to insure a BMW. Insurance companies factor in local risk levels, including accident frequency, vehicle theft rates, and incidents of vandalism when setting premiums.
In addition to driving risks, regional differences in repair costs, legal expenses, and insurance fraud also influence what you’ll pay. Use the map below to see how average BMW insurance rates in your state stack up against the national average and neighboring states, according to our data.
BMW Rates by State
State | Average Monthly Premium |
|---|---|
| Alabama | $151 |
| Arizona | $174 |
| Arkansas | $161 |
| California | $197 |
| Colorado | $197 |
| Connecticut | $272 |
| Delaware | $228 |
| Florida | $213 |
| Georgia | $244 |
| Hawaii | $121 |
| Idaho | $103 |
| Illinois | $100 |
| Indiana | $152 |
| Iowa | $125 |
| Kansas | $142 |
| Kentucky | $189 |
| Louisiana | $205 |
| Maine | $144 |
| Maryland | $290 |
| Massachusetts | $134 |
| Michigan | $220 |
| Minnesota | $166 |
| Mississippi | $174 |
| Missouri | $144 |
| Montana | $143 |
| Nebraska | $85 |
| Nevada | $112 |
| New Hampshire | $138 |
| New Jersey | $84 |
| New Mexico | $258 |
| New York | $139 |
| North Carolina | $242 |
| North Dakota | $210 |
| Ohio | $118 |
| Oklahoma | $164 |
| Oregon | $146 |
| Pennsylvania | $154 |
| Rhode Island | $210 |
| South Carolina | $234 |
| South Dakota | $132 |
| Tennessee | $136 |
| Texas | $210 |
| Utah | $144 |
| Vermont | $171 |
| Virginia | $137 |
| Washington | $162 |
| Washington D.C. | $301 |
| West Virginia | $116 |
| Wisconsin | $141 |
| Wyoming | $108 |
Average Cost of BMW Car Insurance by Age
Younger drivers usually pay the most for BMW insurance because insurers see them as higher-risk, especially when they’re behind the wheel of a powerful luxury vehicle. Limited driving experience and higher accident rates drive premiums up for anyone younger than 25.[6]
Adult and senior drivers typically enjoy lower rates thanks to more road experience and safer driving habits. Check out the table below to see how average BMW insurance costs change based on your age, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Drivers younger than 25 | $351 |
| Adult drivers | $183 |
| Senior drivers | $157 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Cost of BMW Car Insurance by Driving Record
Your driving record has a big effect on your BMW auto insurance premiums. Insurers charge drivers with traffic violations higher rates — even a single speeding ticket can lead to a rate increase.
More serious infractions, such as accidents or driving under the influence (DUI) convictions, raise premiums even further because they show a greater likelihood of future claims. The table below shows how your driving history affects BMW insurance rates, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $183 |
| Speeding ticket | $245 |
| At-fault accident | $262 |
| DUI | $307 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Other Factors That Affect BMW Car Insurance Rates
)
Besides your age, driving record, and location, several other factors affect BMW car insurance rates. You’ll already pay higher rates for luxury cars, and things like safety ratings, repair costs, and trim levels can make premiums go up or down depending on the model.
BMW safety ratings
The BMW X3 and X5 stand out with a 2024 and 2025 Insurance Institute for Highway Safety Top Safety Pick+ and solid crash-test performance, making them the safest in BMW’s lineup. Models like the 4 Series and X7 lack recent crash-test data, making their safety less certain, according to the National Highway Traffic Safety Administration.
Strong safety ratings often help lower insurance premiums, since these models tend to result in fewer severe injury claims.
BMW repair and replacement costs
BMWs typically cost more than average to repair because of specialized parts, premium materials, and advanced tech features. Models like the 7 Series and X7 tend to be the most expensive to fix, while the 3 Series and X1 fall on the cheaper end.
Since shops often have to import parts and repairs typically require certified technicians, insurers charge more to cover potential claims.
BMW trim levels
Higher trim levels with turbocharged engines, upgraded performance packages, or advanced tech add cost and complexity to claims, which drive up premiums. Base trims are usually cheaper to insure because they’re less powerful and have fewer expensive parts. Expect your insurance to jump if you upgrade from a base BMW to an M or fully loaded trim level.
Car Insurance Coverages to Consider for Your BMW
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When insuring your BMW, certain car insurance coverages can help protect your investment and provide peace of mind. Consider the following coverages when getting an insurance quote:
Liability coverage pays for damage and injuries to others when you’re at fault in an accident. Get enough liability insurance to protect your net worth in case of a multi-vehicle crash.
Collision coverage pays to repair or replace your BMW after an accident, regardless of fault.
Comprehensive coverage pays for non-collision damage, like natural disasters, theft, and vandalism, up to the value of your BMW.
Uninsured/underinsured motorist (UM/UIM) coverage provides coverage if someone hits your BMW but doesn’t have insurance (or enough to cover the damages).
Gap coverage is valuable if you’re financing or leasing a BMW. It covers the difference between the car’s value and what you owe in case of a total loss.
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BMW Car Insurance FAQs
We answered some common questions drivers have about BMW insurance.
Are BMWs expensive to insure?
Yes. The average driver pays $183 per month to insure a BMW, compared to $166 per month for all vehicles nationally, according to Compare.com data.
Why is insurance so expensive for a BMW?
BMWs are luxury vehicles with high price tags and high-quality features and are more expensive to repair or replace than non-luxury vehicles.
What’s the most expensive BMW to insure?
The most expensive BMW to insure is the M2 model, which costs an average of $259 per month, according to our research.
Is BMW car insurance any good?
The value of your BMW’s insurance coverage will depend on the coverages you choose, your limits and deductibles, and the insurance company you decide to buy your policy from.
How much will your insurance go up with a BMW?
It depends. If you’re considering buying your first BMW, your insurance costs will vary based on several factors, including the model you choose, where you live, and your insurance company.
Is a BMW hard to insure?
No. Getting insurance for a BMW isn’t hard. But you can expect to pay more for a luxury vehicle like a BMW. Consider your budget to determine if it’s the right car brand for you, and always shop around and compare rates.
What’s the cheapest car insurance company for a BMW?
USAA is the cheapest auto insurance company for a BMW, averaging $102 per month, according to Compare.com data. If you don’t qualify for insurance through USAA, compare car insurance quotes from multiple companies to find the cheapest rate for your coverage needs.
How much does car insurance cost for a BMW X5?
Car insurance for a BMW X5 costs an average of $120 per month for liability coverage and $242 for full coverage. Your rate will depend on factors like your driving record, age, state, and X5 model year.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Sources
- BMW. "The X5."
- Kelley Blue Book. "2026 BMW X3."
- Kelley Blue Book. "2026 BMW 4 Series."
- Kelley Blue Book. "2026 BMW 3 Series."
- Kelley Blue Book. "2026 BMW X7."
- III. "What determines the price of an auto insurance policy?."
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita WestbrooksSenior Editor
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
John LeachLicensed P&C Insurance Agent
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).