Top 10: Lowest Insurance Group BMWs

2

BMW 118i SE 3/5dr – Insurance Group 18

Practical small hatches don’t all have to be front-wheel drive, as the BMW 1 Series proves with its rear-drive layout. It delivers a big dollop of driving fun thanks to a transmission layout that’s got more in common with a sportscar than a supermarket runabout. Even so, it’s easy to drive and the turbocharged 1.5-litre petrol engine in the 118i is smooth and zesty.

You don’t pay heavily for that enjoyment as this BMW sits in the same insurance band as many of its rivals.

Some competitors offer more rear seat space, but it’s a small penalty for an entertaining, affordable small hatch.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes *.

The cheapest quote for an 18 year old was Hastings Direct (£1981.37)*

The cheapest quotes for a 45 year old were Hastings Direct (£421.16)*

But how much can you actually expect to pay for insurance?*

4

BMW 218d Coupe – Insurance Group 20

The 2 Series Coupe just looks right from whichever angle you see it. It sleek, low-slung styling has all the right sporting overtones, yet inside there’s a good deal more room front and back than its predecessor.

If you go for the 218d Coupe, it comes with a Group 20 insurance rating, which is markedly lower than most others in the line-up. True, it’s not as swift as some of those alternatives, but the 218d’s engine is smoother and more refined than in the more potent 220d, so it’s better to drive and you save on your premium.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes *.

The cheapest quote for an 18 year old was Genereal Accident (£1367.86)*

The cheapest quotes for a 45 year old were Quote me Happy (£313.76)*

But how much can you actually expect to pay for insurance?*

6

BMW 420d Coupe xDrive Sport Auto – Insurance Group 29

Can you have it all in a single car? The 420d xDrive Sport certainly does it best to provide that thanks to all-wheel drive, stylish coupe looks and an insurance ranking that undercuts its arch rival from Audi.

There’s plenty more to like about this 4 Series too. The engine might not be the last word in refinement, but it offers plenty of performance and low running costs. You also get a well-appointed cabin with enough space for four and a decent boot.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes *.

The cheapest quote for an 18 year old was Hastings Direct (£663.64)*

The cheapest quotes for a 45 year old were Hastings Direct (£483.98)*

 But how much can you actually expect to pay for insurance?*

8

BMW 725d – Insurance Group 44

There’s no way a full-scale luxury saloon can be reasonable to insure. Or can there? Tick the box for the 725d and it falls into Group 44 for the standard short wheelbase model. When you’re considering the corporate bottom line, that sort of saving matters.

However, you won’t be scrimping on the good things in life as the interior is just as opulent as any other Seven. You also won’t notice there’s a 2.0-litre turbodiesel under the bonnet as it’s hushed and can deliver 0-62mph in just 6.9 seconds and 61.4mpg average economy.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes *.

The cheapest quote for an 18 year old was Mypolicy (£9500)*

The cheapest quotes for a 45 year old were Hastings (£524.18)*

 But how much can you actually expect to pay for insurance?*

10

BMW 640i SE Gran Coupe – Insurance Group 47

In the rarefied world of high-end four-door coupes, this BMW is one of the most svelte. It comes with all of the sporting prowess of its two-door Coupe sister, yet you have the ease of four doors and a large boot, making it a GT car par excellence.

Choosing the 640i with its turbo petrol motor brings down the insurance group to 47 and you miss out on little else. It’s not quite as frugal as the diesel versions, but you’re compensated with swifter performance, which is a large part of the attraction with this car after all.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes *.

The cheapest quote for an 18 year old was Go Girl (£14,560)*

The cheapest quotes for a 45 year old were Hastings Direct (£531.61)*

 But how much can you actually expect to pay for insurance?*

* Sometimes we show a link with a * next to it. It means that it is an affiliate link and as a result helps HonestJohn.co.uk stay free to use. It's tracked to us and if you go through it, it can sometimes result in a payment or benefit to the site.