Best BMW M Auto Insurance Rates 2022

Auto insurance for the BMW M will vary a lot, because it's based on personal factors like your driving habits, where you live, and how much you drive. The BMW M has numerous safety features that can help reduce car insurance rates. To find the best deal on BMW M auto insurance, it's best to compare multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Jun 17, 2022

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Things to Remember

  • Crash test ratings have an impact on BMW M auto insurance rates
  • The cost of insurance for a BMW M depends on the trim level
  • Safety features of the BMW M can earn you a car insurance discount

Before you buy a BMW M, or even if you already own one, you’ll want to get the best BMW M auto insurance rates. The cost of auto insurance for a BMW M can vary from company to company and be based on personal factors like driving record, too.

The best way to get affordable BMW M auto insurance is to shop around and compare. Before you do that, take a look at the details we’ve gathered on what affects BMW auto insurance for a M. You can also compare BMW M auto insurance rates to the average cost of insurance for competitors like Cadillac XLR V and Chrysler TC.

To compare BMW M auto insurance quotes from top companies, enter your ZIP code above now. It’s fast and free.

Are vehicles like the BMW M expensive to insure?

Take a look at how insurance rates for similar models to the BMW M look. These insurance rates for other convertibles like the Cadillac XLR V, BMW 8 Series, and Chrysler TC give you a good idea of what to expect.


Insurance Rates for Vehicles Similar to the BMW M

Vehicle Comprehensive Collision Liability Total
BMW M6 $520 $1,130 $450 $2,280
Mercedes-Benz SL 450 $482 $922 $398 $1,960
BMW Z4 $332 $612 $364 $1,444
Buick Cascada $332 $656 $398 $1,544
Mercedes-Benz SLC 300 $432 $804 $398 $1,792
Volkswagen Eos $298 $530 $430 $1,416
MINI Convertible $294 $536 $264 $1,204

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What impacts the cost of BMW M insurance?

The BMW M trim and model you choose can impact the total price you will pay for BMW M insurance coverage.
You can also expect your BMW M rates to be affected by where you live, your driving history, and in most states your age and gender.

BMW M Crash Test Ratings

Good BMW M crash test ratings can lower your BMW M auto insurance rates. You can see BMW M crash test results here.

BMW M Crash Test Ratings

Vehicle Tested Overall Frontal Side Rollover
2020 BMW M8 Gran Coupe 4 DR AWD N/R N/R N/R N/R
2020 BMW M8 Coupe 2 DR AWD N/R N/R N/R N/R
2020 BMW M8 Convertible C AWD N/R N/R N/R N/R
2020 BMW M5 4 DR AWD N/R N/R N/R N/R
2020 BMW M4 C RWD N/R N/R N/R N/R
2020 BMW M4 2 DR RWD N/R N/R N/R N/R
2020 BMW M2 Competition 2 DR RWD N/R N/R N/R N/R
2019 BMW M6 4 DR RWD N/R N/R N/R N/R
2019 BMW M5 4 DR RWD N/R N/R N/R N/R
2019 BMW M5 4 DR AWD N/R N/R N/R N/R
2019 BMW M4 C RWD N/R N/R N/R N/R
2019 BMW M4 2 DR RWD N/R N/R N/R N/R
2019 BMW M2 2 DR RWD N/R N/R N/R N/R
2018 BMW M6 C RWD N/R N/R N/R N/R
2018 BMW M6 4 DR RWD N/R N/R N/R N/R
2018 BMW M4 C RWD N/R N/R N/R N/R
2018 BMW M4 2 DR RWD N/R N/R N/R N/R
2018 BMW M3 4 DR RWD N/R N/R N/R N/R
2018 BMW M2 2 DR RWD N/R N/R N/R N/R
2017 BMW M6 C RWD N/R N/R N/R N/R
2017 BMW M6 4 DR RWD N/R N/R N/R N/R
2017 BMW M6 2 DR RWD N/R N/R N/R N/R
2017 BMW M4 C RWD N/R N/R N/R N/R
2017 BMW M4 2 DR RWD N/R N/R N/R N/R
2017 BMW M3 4 DR RWD N/R N/R N/R N/R
2017 BMW M2 2 DR RWD N/R N/R N/R N/R
2016 BMW M6 C RWD N/R N/R N/R N/R
2016 BMW M6 4 DR RWD N/R N/R N/R N/R
2016 BMW M6 2 DR RWD N/R N/R N/R N/R
2016 BMW M5 4 DR RWD N/R N/R N/R N/R
2016 BMW M4 C RWD N/R N/R N/R N/R
2016 BMW M4 2 DR RWD N/R N/R N/R N/R
2016 BMW M3 4 DR RWD N/R N/R N/R N/R

Ways to Save on BMW M Insurance

Save more on your BMW M car insurance rates. Take a look at the following five strategies that will get you the best BMW M auto insurance rates possible.

  • Ask about a student away from home discount
  • Re-check BMW M quotes every 6 months
  • Tell your insurer how you use your BMW M
  • Work with a direct insurer instead of an insurance broker for your BMW M
  • Keep a close eye on teen drivers

Top BMW M Insurance Companies

What is the best company for affordable BMW M insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW M insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the BMW M.

Largest Auto Insurers by Market Share

Rank Company Volume Market Share
1 State Farm $66,153,063 9.1%
2 GEICO $46,358,896 6.4%
3 Progressive $41,737,283 5.7%
4 Allstate $39,210,020 5.4%
5 Liberty Mutual $36,172,570 5.0%
6 Travelers $28,786,741 4.0%
7 USAA $24,621,246 3.4%
8 Chubb $24,199,582 3.3%
9 Farmers $20,083,339 2.8%
10 Nationwide $18,499,967 2.5%

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