Cheap BMW 6 Series Car Insurance in 2024 (Earn Savings With These 10 Companies!)
The best provider for cheap BMW 6 Series car insurance are offered by Progressive, Erie, and Safeco, with rates starting as low as $130 per month. These companies offers competitive pricing, excellent customer service, and comprehensive coverage options tailored specifically for BMW 6 Series vehicles.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Oct 22, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage for BMW 6 Series
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
1,814 reviewsCompany Facts
Min. Coverage for BMW 6 Series
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
1,171 reviewsCompany Facts
Min. Coverage for BMW 6 Series
A.M. Best Rating
Complaint Level
Pros & Cons
1,171 reviews
The best providers for cheap BMW 6 Series car insurance are Progressive, Erie, and Safeco, offering competitive rates and comprehensive coverage options.
This article explores these factors and more to help you find the best insurance for your BMW 6 Series, including tips for maximizing savings, understanding coverage options, and comparing quotes from different providers.
Our Top 10 Company Picks: Cheap BMW 6 Series Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $130 | A+ | Competitive Rates | Progressive |
 | #2 | $131 | A+ | Customer Service | Erie |
 | #3 | $132 | A | Competitive Rates | Safeco |
 | #4 | $133 | B | Personalized Service | State Farm |
 | #5 | $135 | A+ | Competitive Rates | Nationwide |
 | #6 | $136 | A+ | Safe-Driving Discounts | Allstate |
 | #7 | $137 | A++ | Affordable Rates | Travelers |
 | #8 | $138 | A | Good Driver | MetLife |
 | #9 | $140 | A | Personalized Service | Farmers |
 | #10 | $145 | A | Multi-Policy Discounts | Liberty Mutual |
By considering these elements, you can make an informed decision and secure the most affordable and comprehensive coverage for your vehicle.
Explore your car insurance options by entering your ZIP code above and finding which companies have the lowest rates.
- Progressive as the top pick, with rate as low as $130 per month
- Factors impacting BMW 6 Series insurance costs and comprehensive coverage
- Strategies to maximize savings and select the best coverage for your BMW 6 Series
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#1 – Progressive: Top Overall Pick
- Competitive Rates: Progressive insurance review & ratings highlight the company’s highly competitive rates, showcasing it as an appealing choice for customers seeking to save on car insurance.
- Extensive Discounts: Progressive provides a wide range of discounts, including multi-policy, good driver, and multi-car discounts, helping customers reduce their premiums.
- User-Friendly Online Tools: Progressive offers a variety of online tools and resources, such as the Name Your Price tool, which allows customers to customize their coverage to fit their budget.
Cons
- Complex Claims Process: Some customers have reported that the claims process can be complicated and time-consuming, leading to frustration during stressful situations.
- Limited Local Agents: Progressive primarily operates online and over the phone, which might be a disadvantage for those who prefer in-person interactions with insurance agents.
#2 – Erie: Best for Customer Service
Pros
- Customer Service: Erie insurance review & ratings showcase its excellent customer service, with numerous customers highlighting their prompt and helpful responses.
- Strong Financial Stability: Erie boasts an A+ rating, indicating strong financial stability and reliability when it comes to paying out claims.
- Comprehensive Coverage Options: Erie offers a wide range of coverage options, including unique add-ons like personal item coverage and locksmith services.
Cons
- Limited Availability: Erie’s insurance products are not available in all states, which can be a significant limitation for potential customers.
- Strict Underwriting: Erie’s underwriting guidelines can be stricter than those of other insurers, potentially making it harder for some customers to qualify for coverage.
#3 – Safeco: Best for Competitive Rates
Pros
- Competitive Rates: Safeco offers competitive rates, making it a viable option for those looking to save on their car insurance premiums.
- Variety of Coverage Options: Safeco provides a broad range of coverage options, including unique offerings like pet coverage and equipment breakdown coverage.
- A-Rated Financial Strength: Safeco insurance review & ratings highlight its A rating, showcasing strong financial stability and reliable claim payouts.
Cons
- Mixed Customer Reviews: While many customers are satisfied, there are mixed reviews about Safeco’s customer service and claims handling, indicating potential inconsistency.
- Average Claims Processing: Some customers have reported that Safeco’s claims processing can be slower than expected, potentially causing delays in receiving payouts.
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#4 – State Farm: Best for Personalized Service
Pros
- Personalized Service: State Farm is renowned for its personalized customer service, ensuring that policyholders receive attention tailored to their specific needs.
- Wide Range of Coverage Options: Offers a comprehensive selection of insurance products, allowing customers to bundle policies for discounts.
- Strong Financial Stability: State Farm insurance review & ratings highlight its strong financial stability, indicating it can reliably fulfill claims.
Cons
- Higher Premiums for High-Risk Drivers: State Farm’s rates can be relatively high for drivers with poor driving records or multiple claims.
- Limited Online Services: Some customers may find the online services and mobile app less comprehensive compared to other insurers.
#5 – Nationwide: Best for Competitive Rates
Pros
- Competitive Rates: Nationwide insurance review & ratings highlights the company’s competitive rates, making it an affordable option for numerous drivers.
- Comprehensive Coverage Options: Provides a wide range of insurance products, including unique options like pet insurance.
- User-Friendly Online Tools: Nationwide offers robust online tools and a mobile app that make managing policies and filing claims easy.
Cons
- Mixed Customer Service Reviews: While many customers report positive experiences, there are notable complaints about customer service responsiveness and claim handling.
- Higher Rates for Specific Coverage: Certain coverage options, like comprehensive and collision, may be more expensive compared to other insurers.
#6 – Allstate: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Allstate insurance review & ratings showcases significant discounts for safe drivers, featuring programs that monitor driving habits to reduce premiums.
- Wide Range of Discounts: Provides a variety of discounts, including those for bundling policies, having anti-theft devices, and being a good student.
- Extensive Educational Resources: Allstate offers a wealth of resources and tools to help customers understand their insurance needs and options.
Cons
- Higher Average Premiums: Generally, Allstate’s premiums are higher than some of its competitors, especially for those without discounts.
- Aggressive Sales Tactics: There are complaints about persistent upselling and aggressive sales tactics from agents, which can be off-putting for some customers.
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#7 – Travelers: Best for Affordability
Pros
- Affordable Rates: Travelers insurance review & ratings highlight its competitive rates, with an average premium of $137, making it an affordable option for many drivers.
- Top-Rated Financial Stability: With an A++ rating, Travelers is recognized for its exceptional financial stability, ensuring reliable claims handling.
- Safe-Driving Discounts: Travelers provides discounts for safe-driving habits, encouraging and rewarding responsible driving behavior.
Cons
- Limited Availability of Discounts: While Travelers offers safe-driving discounts, it may have fewer discount options compared to other providers, potentially limiting savings for some customers.
- Complex Policy Terms: Some customers may find Travelers’ policy terms and conditions to be complex and difficult to understand without assistance.
#8 – MetLife: Best for Good Driver
Pros
- Competitive Premiums: MetLife insurance review & ratings highlight its affordability, with an average premium of $138, making it a cost-effective option for many drivers.
- Good Driver Discounts: MetLife rewards good drivers with discounts, helping to lower premiums for those with clean driving records.
- Solid Financial Rating: With an A rating, MetLife demonstrates strong financial stability, ensuring that claims will be handled reliably.
Cons
- Average Customer Service: While MetLife is generally reliable, some customers have reported average experiences with their customer service, indicating room for improvement.
- Fewer Discount Options: Compared to some competitors, MetLife may offer fewer discount opportunities, which can limit potential savings for customers.
#9 – Farmer: Best for Personalized Service
Pros
- Personalized Service: Farmers insurance review & ratings highlight their reputation for delivering highly personalized service, with policies tailored to meet individual needs.
- Strong Financial Stability: With an A rating, Farmers Insurance demonstrates strong financial stability, ensuring reliability in claims processing.
- Comprehensive Coverage Options: Farmers provides a wide range of coverage options, allowing customers to customize their policies effectively.
Cons
- Potential for Higher Rates Over Time: Some customers report that rates can increase significantly over time.
- Mixed Customer Service Reviews: While many praise the personalized service, others have experienced inconsistency in customer service quality.
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#10 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Multi-Policy Discounts: Liberty Mutual offers significant discounts for customers who bundle multiple policies, leading to substantial savings.
- Strong Financial Rating: Liberty Mutual insurance review & ratings highlight its financial stability with an A rating, showcasing their reliable ability to pay out claims.
- Diverse Coverage Options: Liberty Mutual provides a broad range of insurance products, from auto to home and beyond, allowing for comprehensive coverage under one insurer.
Cons
- Customer Service Variability: Customer service experiences can vary, with some customers reporting less satisfactory interactions.
- Potentially Higher Premiums Without Discounts: Without taking advantage of discounts, Liberty Mutual’s premiums can be on the higher side.
Factors Affecting BMW 6 Series Insurance Rates
Several factors can impact the cost of insuring a BMW 6 Series. Insurance providers take into consideration variables such as the driver’s age, driving history, location, and the specific model and year of the BMW 6 Series. Younger drivers and those with a history of accidents or traffic violations may face higher insurance rates. Check out our ranking of the top providers: Best Car Insurance for Young Adults
BMW 6 Series Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Progressive $130 $270
Erie $131 $265
Safeco $132 $272
State Farm $133 $273
Nationwide $135 $275
Allstate $136 $275
Travelers $137 $280
MetLife $138 $280
Farmers $140 $285
Liberty Mutual $145 $290
Explore the diverse landscape of BMW 6 Series insurance rates with our comprehensive breakdown. From minimum coverage essentials to full protection, compare monthly rates across top providers like Progressive, Erie, and Safeco. Whether you’re seeking budget-friendly options or premium coverage, discover the best fit for your BMW 6 Series insurance needs.
Additionally, the cost of BMW 6 Series car insurance can vary based on the level of coverage chosen. Basic liability coverage, which is typically required by law, is generally more affordable than comprehensive coverage, which provides protection against a wider range of risks. Insurance providers may also consider the deductible and coverage limits selected by the policyholder.
Get exclusive insights into the available discounts from leading insurance providers tailored for BMW 6 Series owners. Whether you’re prioritizing safe driving, bundling policies, or seeking benefits for new vehicles, this comprehensive table outlines the options to help you maximize savings on your car insurance premiums.
Exploring the Different Models of BMW 6 Series and Their Insurance Costs
The BMW 6 Series lineup, including Coupe, Gran Coupe, and Convertible models, varies in insurance costs. Factors such as car value, performance, and repair costs influence premiums. Higher-end models often incur higher insurance rates than entry-level ones. To gain further insights, consult our comprehensive guide titled “How does the insurance company determine my premium?”
When selecting a specific model of the BMW 6 Series, it’s crucial to consider the potential impact on insurance rates. Consulting with insurance providers or utilizing online comparison tools can help you obtain estimates for the insurance costs associated with different BMW 6 Series models.
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Understanding the Insurance Coverage Options for BMW 6 Series Cars
When insuring your BMW 6 Series, it’s essential to understand the various coverage options available to you. The most basic type of coverage is liability insurance, which covers bodily injury and property damage for other parties involved in an accident where you are at fault. For additional details, explore our comprehensive resource titled “Personal Injury Protection (PIP) Insurance: A Complete Guide.”
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On the other hand, comprehensive coverage provides protection for both the policyholder’s vehicle as well as third-party damages. This coverage includes protection against events such as theft, vandalism, and natural disasters. Though comprehensive coverage is generally more expensive, it provides a higher level of protection.
In addition to liability and comprehensive coverage, policyholders may also opt for additional coverage options such as collision insurance, uninsured/underinsured motorist coverage, and medical payments coverage. Each of these options carries a specific cost, so it’s crucial to evaluate your needs and budget when choosing the coverage for your BMW 6 Series.
Tips for Finding Affordable Car Insurance for Your BMW 6 Series
Despite the potentially higher insurance costs associated with luxury vehicles like the BMW 6 Series, several strategies can help you find more affordable coverage:
- Compare Quotes From Multiple Insurance Providers: It’s essential to collect quotes from various providers to ensure you’re getting the best possible rate for your BMW 6 Series. Online comparison tools make this process quick and convenient.
- Consider Higher Deductibles: Choosing a higher deductible can lower your insurance premiums. However, be sure to select a deductible that you can comfortably afford in the event of an accident or claim.
- Take Advantage of Discounts: Many insurance providers offer discounts for policyholders who meet certain criteria. These may include safe driving records, multiple policies with the same provider, or installing anti-theft devices in your BMW 6 Series. Inquire about available discounts to maximize your savings.
- Improve Your Credit Score: Maintaining a good credit score can often lead to lower insurance rates. Insurance providers consider credit history as an indicator of risk and may offer more favorable rates to individuals with higher credit scores. To learn more, explore our comprehensive resource on insurance titled “How much is car insurance?“
Therefore, by managing your credit wisely and addressing any issues that may negatively affect your score, you can potentially qualify for lower insurance rates.
By taking these steps, you can ensure that you’re getting the most value out of your insurance policy while still protecting your prized vehicle.
The Role of Deductibles and Coverage Limits in Determining the Cost of Insuring a BMW 6 Series
Deductibles and coverage limits play a significant role in determining the cost of BMW 6 Series car insurance. The deductible is the amount the policyholder must pay out of pocket before the insurance coverage kicks in. Choosing a higher deductible can result in lower insurance premiums, but it also means the policyholder must pay more in the event of a claim.
Coverage limits refer to the maximum amount an insurance policy will pay for a covered claim. Higher coverage limits typically come with higher premiums as they provide greater financial protection in the event of an accident or other covered incidents. To delve deeper, refer to our in-depth report titled “Car Accidents: What to do in Worst Case Scenarios.”
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Case Studies: Driving Decisions With BMW 6 Series Insurance Challenges
From balancing premiums and coverage to ensuring adequate protection for road trips and retirement adventures, we’ve examined diverse scenarios and strategies to meet your insurance needs.
- Case Study #1 – Balancing Premiums and Coverage: Sarah balances her desire for comprehensive coverage on her new BMW with budget concerns by choosing a higher deductible, bundling insurance, and leveraging discounts for safety features, securing both protection and affordability.
- Case Study #2 – Ensuring Adequate Coverage for a BMW 6 Series Convertible: The Johnsons, gearing up for a cross-country road trip in their BMW 6 Series Convertible, consult their insurance agent to beef up coverage, adding roadside assistance and rental car reimbursement for a worry-free journey.
- Case Study #3 – Navigating Insurance Options for a Pre-Owned BMW 6 Series Gran Coupe: John chooses a budget-friendly insurance plan for his pre-owned BMW 6 Series Gran Coupe by researching providers, seeking discounts, and opting for a higher deductible.
Remember, finding the right insurance coverage is not just about meeting legal requirements but also safeguarding your financial well-being and peace of mind.
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Whether you’re a seasoned BMW enthusiast or a newcomer to the luxury automotive scene, investing time in researching insurance options and consulting with knowledgeable agents can pay dividends in the long run. For a thorough understanding, refer to our detailed analysis titled “Best Car Insurance by Vehicle.”
The Bottom Line: Navigating Affordable BMW 6 Series Car Insurance
This guide offers insights into obtaining affordable insurance for BMW 6 Series cars. It highlights key factors affecting insurance costs, such as driver demographics and coverage options, and provides tips for reducing premiums. To expand your knowledge, refer to our comprehensive handbook titled “Full Coverage Car Insurance: A Complete Guide.”
Additionally, it features top insurance providers and their offerings, helping readers make informed decisions to protect their luxury vehicles without breaking the bank.
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
Frequently Asked Questions
Is BMW hard to insure?
If you drive a powerful BMW, it’s likely to be in a high insurance group and it will therefore cost you more to insure. MoneySuperMarket data has found that the most expensive BMW model to insure is M4 Competition Package, while the cheapest BMW to insure is the BMW 116 1.
Is a BMW X6 expensive to maintain?
BMW X6 Maintenance Costs A BMW X6 will cost about $18,148 for maintenance and repairs during its first 10 years of service. This is more than the industry average for luxury SUV models by $2,434.
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Is BMW X6 expensive to insure?
Insurance for a BMW X6 could be more expensive due to the desirability of this type of vehicle. An X6 could be stolen more often and if it is involved in an accident the parts could be more expensive than a standard vehicle. Both these factors might push up insurance premiums to be more costly.
For detailed information, refer to our comprehensive report titled “The Real Costs Associated with Buying a New Car.”
Is the BMW Series 6 reliable?
The BMW 6 Series managed to achieve a pretty high score of 94.9% according to our latest survey, with BMW as a brand ranked 9th out of 31 car brands featured and a dramatic improvement over results in previous years.
Is Mercedes-Benz better than BMW?
Performance is a crucial factor to consider when buying a luxury car. BMW has a slight edge over Mercedes in terms of performance and driving dynamics. However, Mercedes offers a more refined and luxurious driving experience.
Which insurance is best for BMW?
If you’re looking to save on insurance for your BMW, consider Alfa Insurance, which offers the cheapest monthly premiums among top insurers. American Family also offers competitive rates. On the other hand, Farmers Insurance, Progressive, and State Farm are among the priciest major companies for BMW insurance.
For a comprehensive overview, explore our detailed resource titled “What age do you get cheap car insurance?”
Which BMWs are cheapest to insure?
BMW insurance groups can vary significantly. At one end of the scale, the cheapest BMW to insure is generally the 1 Series, especially the more modestly trimmed and lower-powered hatchback versions of the car.
Are parts for a BMW expensive?
Repairing a luxury car like a BMW is usually more expensive than repairing a budget model, as the higher-quality parts will be more expensive. This does mean that you’ll likely be making these repairs less frequently, however, as BMWs are built to last.
Is BMW safe for accidents?
The independent safety experts from the European New Car Assessment Programme (Euro NCAP) awarded the eighth generation of the BMW 5 Series Sedan the highest rating of five stars. The extensive standard equipment with safety-relevant driver assistance systems makes a significant contribution to the 5-star rating.
To gain profound insights, consult our extensive guide titled “Safety Insurance Car Insurance Discounts.”
Is the BMW X6 a good car to buy?
It’s driving characteristics and equipment are towards the top of the class and it performs well too, with the X6M being an absolute rocketship. Diesel versions still make the most sense in terms of running costs and drive well, while thanks to a larger cabin than before, interior practicality is good too.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
