Best BMW M Auto Insurance Rates 2021

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 24, 2021

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Things to Remember

  • 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
  • Crash test ratings have an impact on BMW M auto insurance rates

Buying a new car is both fun and a lot of work. If the BMW M is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a BMW M right here.

Take a look at what you can expect in terms of insurance rates for the BMW M and compare it to other similar vehicles. Then find out how the BMW M stacks up in terms of safety ratings and features, as well as what it costs to buy a BMW M right here.

If you need insurance for a BMW M right now, we can help. Enter your ZIP code for free BMW M car insurance quotes from top companies.

What impacts the cost of BMW M insurance?

The average annual rate for the BMW M is just that, an average. Your insurance rates for a BMW M can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your BMW M.

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

BMW M Safety Features

BMW M safety features can lower the cost of your insurance. The safety features for the BMW M include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control
  • Emergency Trunk Release
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist

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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.

  • Compare BMW M quotes for free online
  • Provide your BMW M VIN when requesting BMW M auto insurance quotes
  • Buy a dashcam for your BMW M
  • Move to an area with a lower cost of living
  • Ask about a student away from home discount

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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