Insuring a BMW
Looking to get car insurance for your BMW? We offer coverage for every BMW model that fits your car, driving style, and expectations.
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Also available for 3 Series, 8 Series, and X models
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Get car insurance for your BMW
From the iconic 3 Series to the versatile X5 and the powerful M models: every BMW combines performance with style. It’s no coincidence that their slogan is “Freude am Fahren”—driving your BMW is a pleasure. It therefore makes sense that the insurance for your BMW should be chosen just as carefully as the car itself. Because of a BMW’s high value, standard auto insurance often provides insufficient coverage. Not only is the car itself more valuable, but parts and maintenance are also significantly more expensive. With good auto insurance tailored to your specific BMW, you’re guaranteed assistance in the event of damage or theft.
The Right Insurance for Every BMW Model
Popular Models
- BMW 1 Series
- BMW 2 Series
- BMW 3 Series
- BMW 4 Series
- BMW 5 Series
- BMW X models (X1, X2, X3, X4, X5, X6, and X7)
- BMW XM
- BMW M models (M3 and M4)
- BMW i Series (i3, i4, i5, and iX)
- BMW Z Series
Youngtimers and Classic Cars
- BMW 700
- BMW 328
- BMW 503
- BMW 507
- BMW 2002
- BMW E21
- BMW E30
- BMW E28
- BMW E34
- BMW E36
- BMW E39
- BMW Z1
- BMW Z3
- BMW Z8
You can also get insurance for older BMW models. Check out the options for classic car insurance.
Car Insurance Coverage
You can choose from 3 main coverage options:
Third-Party Liability (Mandatory)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
Limited casco
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
All Risk (Liability + Comprehensive)
- Damage to others
- Theft, joyriding, and missing persons
- Window damage
- Damage caused by fire or natural disasters
- Damage to one's own vehicle caused by a collision
The Cheapest Liability Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| Rhion | €35,32 | N/A |
| Bovemij | €39,78 | N/A |
| Avéro Achmea | €46,06 | N/A |
| Allianz Direct | €48,94 | N/A |
| Nationale-Nederlanden | €51,48 | N/A |
Top 5 Most Affordable Third-Party Liability + Limited Comprehensive Auto Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| Bovemij | €70,81 | €150 |
| Nationale-Nederlanden | €77,69 | €150 |
| Allianz Direct | €90,99 | N/A |
| a.s.r. | €95,82 | €150 |
| Rhion | €96,71 | N/A |
Top 5 Most Affordable Comprehensive Insurance Policies in 2026
| Insurance Company | Price per month | Own risk |
|---|---|---|
| Bovemij | €129,67 | €150 |
| Nationale-Nederlanden | €140,85 | €150 |
| Guardian | €160,92 | €150 |
| a.s.r. | €171,14 | €150 |
| Rhion | €182,87 | N/A |
Additional Coverage for BMW Drivers
In addition to choosing the right coverage for your auto insurance, you can also compare and purchase various types of supplemental coverage.
Occupant accidents
Passenger accident insurance pays out fixed amounts in the event of the death or permanent disability of the driver and/or passengers.
Occupant damage
This insurance covers property damage sustained by the driver and passengers as a result of an accident.
Roadside Assistance Netherlands
Roadside assistance after an accident is covered as standard under your insurance policy. As a supplement to your insurance, you can also purchase roadside assistance coverage for the Netherlands.
Legal Aid
Insured of legal help in traffic disputes. At home and abroad. With the vehicle insured on the policy.
Roadside assistance Europe
Roadside assistance after an accident is covered as standard under your insurance policy. As a supplement to your insurance, you can also purchase roadside assistance coverage for Europe.
Why Standard Auto Insurance Isn't Enough
A BMW belongs to the premium segment and therefore requires more than just standard auto insurance. Higher-end models often feature powerful engines, advanced safety systems, and luxurious interiors, which means their value is significantly higher than that of the average car.
In many cases, standard insurance covers only the basics, but falls short when it comes to expensive repairs, original parts, or replacement transportation of equivalent quality. For BMW drivers, it is therefore wise to choose an insurance policy that takes into account the higher value and specific risks associated with their car.
Insure Accessories and Upgrades as Well
BMWs are often equipped with custom options and high-quality accessories, such as sport packages, advanced infotainment systems, or special wheels. These upgrades not only enhance the driving experience but also increase the car’s overall value.
- Is your BMW equipped with a Premium Pack, Innovation Pack, or M Technology Pack? Physical modifications to your car can usually be included in your insurance coverage, as long as you notify the insurer. Accessories are often automatically covered up to a set amount. If the value exceeds this amount, you can easily add them to your coverage.
- Software-based tuning, such as chip tuning, is usually excluded from coverage. Damage resulting from performance modifications made through engine management or transmission software (for example, with a Stage 2 or Stage 3 upgrade) will not be covered.
Claim-free years: how they affect your premium
The moreclaim-free years you’ve accumulated, the lower your BMW insurance premium will be. If you don’t file a claim during an insurance year, you’ll accumulate one claim-free year. If you file a claim, however, you’ll lose claim-free years, which will affect your premium.
New Value or Purchase Price Policy for Your BMW?
Are you the proud owner of a new BMW? If so, the replacement value coverage is often a wise choice. In the event of theft or a total loss, this coverage pays out the new car price for up to 3 years. A car’s value drops rapidly after purchase. Without this coverage, you’ll only receive the current market value in the event of damage, which is significantly lower than the purchase price.
For a used BMW, the purchase value coverage provides similar protection: in the event of damage or theft, the insurer will temporarily reimburse the purchase price. Neither of these coverages is included in the standard policy; they are optional.
Additional Safety Requirements for Luxury Sports Cars
When insuring higher-end BMW models, such as the 7 Series, 8 Series, or X models, insurers often impose stricter security requirements. These may include an SCM-approved alarm system or a Class 5 vehicle tracking system.
The exact requirements set by the insurer depend on the specific model, the region, and the coverage selected. Sometimes these requirements apply starting at a catalog value of €75,000, but for models that are prone to theft, the threshold may be lower. It’s important to check the policy terms and conditions carefully in advance. If you don’t meet these requirements, it could affect your coverage or the payout in the event of damage or theft.
Insure Your BMW Through Alpina
- Experience with high-end and sports cars
- Replacement Cost Coverage and Supplementary Insurance Available
- Get a quick overview of your premium, with no obligations
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Frequently Asked Questions About BMW Auto Insurance
How is the premium for BMW insurance calculated?
The premium is determined based on factors such as your age, place of residence, number of claim-free years, BMW model, annual mileage, and selected coverage. The model’s susceptibility to theft and repair costs are also taken into account.
What's the best insurance for my BMW?
The best insurance for your BMW depends on the car’s age and value. For new or expensive models, comprehensive coverage is often the best choice. Older BMWs are usually adequately covered by third-party liability or third-party liability plus (limited collision coverage).
Is comprehensive insurance necessary for a BMW?
Comprehensive insurance is recommended for new or high-value BMWs. This coverage provides protection against damage caused by your own fault, vandalism, and collisions. For older models, third-party liability plus (WA+) or third-party liability (WA) coverage is often sufficient.
Are my accessories and options automatically covered under the policy?
Original factory options are usually covered as standard up to a certain amount. For more expensive or exclusive accessories, you can purchase additional coverage.
Are there any BMW models with higher insurance premiums?
Yes, sporty models like the BMW M Series or SUVs like the X5 often have higher insurance premiums. They have more horsepower, higher repair costs, and are more prone to theft.
Is theft via keyless entry covered?
Yes, provided that the insurer’s security requirements are met. Some policies impose additional requirements for cars with keyless entry, such as a key protection case or an extra lock.
Can I temporarily deactivate my BMW and put my insurance on hold?
Yes, if your license plate is suspended, you can temporarily cancel your insurance. Please note: The car must not be parked on public roads or driven during this time. This can be useful for seasonal use or when the car is out of service for an extended period.
What additional coverage options make sense for a BMW?
Additional coverage options such as roadside assistance, passenger insurance, or replacement-value coverage can be worthwhile for a BMW. These options can provide extra peace of mind, especially for newer or more expensive models.
How does damage repair work with BMW insurance?
In the event of damage, you usually choose from a network of affiliated repair shops. Many insurers work with certified BMW specialists. You often retain your warranty and the right to original parts when repairs are performed through these partners.
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