BMW Car Insurance

BMW is one of the world’s most desirable premium car brands and remains a popular choice among Irish drivers for its dynamic performance, luxury craftsmanship, and advanced engineering. 

Being a BMW owner is often associated with prestige. BMW (Bayerische Motoren Werke AG or Bavarian Motor Works) is one of the world’s largest and most recognisable car manufacturers - part of Germany’s “big three” luxury brands alongside Audi and Mercedes-Benz. 

Founded in 1916 in Munich as an aircraft engine manufacturer called Bayerische Flugzeugwerke, BMW later turned its engineering expertise toward motorcycles and cars. Its first car, the BMW Dixi, appeared in 1928, marking the beginning of nearly a century of innovation in automotive design and performance. 

After the Second World War, BMW rebuilt from near ruin, returning to car production in the 1950s and cementing its reputation in the 1960s with the BMW 1500 - a compact saloon that defined the “Neue Klasse” era and set the blueprint for modern BMWs. 

BMW’s commitment to engineering excellence soon extended to motorsport. The brand became an F1 engine supplier in the 1980s and later ran its own team, achieving a memorable Formula One victory at the 2008 Canadian Grand Prix with driver Robert Kubica. 

Today, BMW is best known for its iconic Series models. The M Series delivers exhilarating high-performance driving, while the X Series has redefined luxury SUVs. With the fully electric i Series, BMW continues to lead in innovation - combining sustainable technology with unmistakable style and performance.

Yes - its4women provides car insurance across Ireland for a wide range of BMW models. This includes popular choices such as the BMW 1 Series, 2 Series, 3 Series, 4 Series, 5 Series, X1, X3, X5 and BMW’s electrified lineup, including the i3, i4, iX1, iX3 and iX. 

Our policies are designed to suit many types of drivers, whether you own a compact BMW hatchback, a family-friendly SUV or a premium electric BMW. 

We do not currently insure classic or vintage BMWs, so older or specialist heritage models may not be eligible for cover. 

If your BMW model is not listed, or if you're unsure about eligibility, simply complete a fast online quote and we'll confirm your cover options immediately. 

In Ireland, every vehicle is assigned to an insurance group from 1 to 50. Cars in lower groups generally cost less to insure, while models in higher groups tend to attract higher premiums due to increased repair costs, stronger performance and higher overall risk. 

BMW vehicles span a wide range of insurance groups depending on the model, engine type and specification. For example: 

Lower–mid groups:  BMW 1 Series (selected trims), 2 Series Active Tourer 

Mid-range groups:  BMW 3 Series, 4 Series, X1, X2 

Higher groups:  BMW 5 Series, X3, X5, M Sport models, BMW M Performance variants (M135i, M340i), and electric models such as the i4 or iX 

Key factors that influence a BMW’s insurance group include: 

• Vehicle value - Premium models with higher purchase prices typically sit in higher insurance groups as they cost more to repair or replace after a claim. 

• Parts and repair costs - BMW vehicles often use high-precision engineering, advanced technology and specialist components. These factors can increase repair costs, resulting in higher insurance group placement. 

• Safety and driver-assist systems - BMW features such as Driving Assistant, autonomous emergency braking, lane-departure warning and collision avoidance technology can help reduce risk and may support more favourable group classification. 

• Engine size and performance - Turbocharged engines, xDrive all-wheel-drive systems and high-output M Performance or full M models generally sit in higher insurance groups due to increased performance capability. 

• Crash protection and build quality - Strong Euro NCAP ratings and BMW’s robust structural design can contribute to lower group placement in certain models. 

Insurance groups are just one factor used to calculate BMW car insurance premiums. Your final motor insurance price will also depend on age, driving experience, location, licence type and claims history. 

The cost of BMW car insurance in Ireland can vary depending on several factors - including your age, driving experience, location, and the specific BMW model you drive. 
High-performance or luxury models (such as the BMW M Series or larger-engine 5 Series) usually fall into higher insurance groups, which can make premiums more expensive. More practical models like the BMW 1 Series or certain 3 Series versions are typically more affordable to insure, especially if you have a clean driving record and a strong no-claims history. Your Eircode can also make a difference - for example, a BMW insured in Dublin may cost more than one in rural Donegal, due to higher traffic levels and claim rates. 

At its4women, we calculate your premium based on your individual details - so you only pay for the cover that fits your lifestyle. Plus, customers can earn reward credits that help lower the cost of future car insurance renewals. 

Click here to get a personalised BMW quote online in minutes. 

There are a few practical ways you can reduce the cost of your BMW insurance: 

• Choose a lower insurance group model - BMWs vary widely in insurance groups. Smaller-engine models like the 1 Series tend to be cheaper to insure than high-performance versions. 

• Build up your no-claims bonus - A clean driving record with no recent claims can help lower your motor insurance premium over time. 

• Increase your voluntary excess - Opting for a higher excess can reduce your monthly or annual premium (just be sure it’s still affordable if you need to claim). 

• Improve security - Parking your vehicle in a secure location overnight or having additional security features (e.g. steering-wheel locks, approved alarms, immobilisers or trackers) fitted can sometimes help reduce costs. 

• Limit your mileage - Lower annual mileage can lead to lower premiums, especially if the car isn’t used for long daily commutes. 

• Consider how you use your car - Only selecting cover for personal use (instead of business use) may reduce your car insurance premium if it fits your lifestyle. 

• 
  

Need a tailored quote? At its4women, we’ll look at your individual details and help you find the right car insurance cover at the best possible price. 

Yes, we insure hybrid and electric BMW models. 

Whether you drive a fully electric BMW like the i3, i4, iX1, or iX, or a plug-in hybrid model, we can offer cover tailored to your needs. Just like with any car, your premium will depend on factors like the model, your driving history, and how you use the vehicle. 

Thinking of making the switch to electric? At its4women, we’re here to support you with flexible, competitive motor insurance for your BMW - no matter the fuel type. 

Hybrid and electric BMW models can sometimes cost slightly more to insure because their high-voltage batteries and specialised electrical components may be more expensive to repair or replace. Repairs on BMW’s electrified models often require manufacturer-approved parts and technicians, which can affect claim costs. 

However, many drivers still see overall savings thanks to lower day-to-day running costs, reduced motor tax and fewer traditional mechanical servicing needs compared with petrol or diesel BMWs. 

BMW’s growing electrified range including plug-in hybrid models such as the 330e, 530e, X1 and X5 PHEV, along with fully electric vehicles like the BMW i4, iX1 and iX continues to increase in popularity across Ireland and may offer strong long-term value.

Yes, young drivers can get BMW car insurance in Ireland - but the cost of cover will depend on a few key factors. 

Insurers consider many factors including your age, licence type, driving experience, and the specific BMW model you drive. High-performance or luxury models (like an M Series or larger-engine 3 or 5 Series) tend to fall into higher insurance groups, which can increase premiums for younger drivers. However, choosing a smaller, more practical model such as a BMW 1 Series with a lower engine size can make young driver car insurance more affordable. 

The good news? its4women offers young driver BMW insurance through our telematics (black box) cover, helping you prove safe driving habits and lower your premium over time, even if you’re driving a BMW. 

Yes, you’ll need to have valid car insurance in place before test driving a BMW. 
If you’re buying from a dealership in Ireland, the dealer usually provides temporary cover for the duration of the test drive - but always confirm this before getting behind the wheel. 

If you’re buying privately, you’ll need your own insurance to legally drive the car. Some policies include a “driving other cars” extension, but this typically only offers third party cover, meaning any damage to the BMW itself would not be protected. 

For full protection, it’s best to arrange temporary or test drive insurance that provides comprehensive cover - ensuring both you and the BMW are protected in the event of an accident.  

Yes. BMWs are known for their advanced safety and driver-assistance systems, which help protect you and your passengers on every journey. Most models score highly in Euro NCAP safety ratings, thanks to features such as: 

✔ Blind spot detection 
✔ Forward collision warning 
✔ Lane departure warning 
✔ Automatic emergency braking 

While these technologies can help reduce the risk of accidents, no system can prevent every collision - which is why having the right BMW car insurance is still essential. With its4women, you can get comprehensive cover that protects both you and your BMW, no matter how safe the car itself may be. Get a BMW car insurance quote today.