4 Sample driver profiles for calculating premiums
Driver #1
25-year-old man Quebec Region
Driver #2
35-year-old woman Sherbrooke region
Driver #3
45-year-old man Montérégie region
Driver #4
55-year-old woman Chaudières-Appalaches region
YOUR QUOTE IN 2 MINS
1 (844) 383-3686
Get a Car Insurance Quote!
Check out the price and coverage from an insurer.
THE BEST WAY TO SAVE ON YOUR CAR INSURANCE IS BY SHOPPING AROUND WITH THE HELP OF A PROFESSIONAL
Just fill in the form and one of our partner insurers will find you the best solution.
"*" indicates required fields
What is the price of auto insurance for BMW cars in Quebec?
What are your auto insurance options when you own or lease a BMW car? If your vehicle is a recent model, you will not really have a choice. Liability insurance offers limited coverage and is more suitable for vehicles with minimum value. For a BMW, you need to take out comprehensive insurance coverage.
Liability insurance
Civil liability insurance only covers section A in auto insurance which means that you are insured one-way, that is, only for the damage you cause to other motorists, and not to your own vehicle.
All-risks insurance
All-risks insurance covers Sections A and B in car insurance which means you have protection in 2 ways – for damage you cause to others, and damage to your vehicle.
In Quebec, all car owners must have a minimum of $50,000 insurance for responsibility for damage and injuries. This is referred to as “civil liability” insurance.
Private insurance companies offer the same type of insurance with a Quebec Policy form. It has two Sections – Section A and Section B. Only Section A is mandatory.
You have the option to get Section B if you want to get coverage for damage to your own vehicle for accidents where you are at fault.
You need all-risks insurance coverage for damage to your own vehicle. For BMW car owners, this type of coverage is highlyrecommended.
The different BMW models and their prices in Quebec
BMW offers a wide range of models. If you are planning to buy a BMW vehicle, it is quite easy to feel overwhelmed with your choices.
We compiled a list of their most popular models along with their published prices for your information. This will give you a fair idea of how much BMW vehicles cost.
You will also find the average prices for car insurance for these popular BMW models. This information can help you choose and plan your budget.
BMW Model | Average Selling Price |
| BMW 2 Series Gran Coupe | Starts at $52,700 |
| BMW 2 Series Coupe | Starts at 56,950 |
| BMW 3 Series Sedan | Starts at $52,750 |
| BMW 4 Series Coupe | Starts at $53,650 |
| BMW 4 Series Cabriolet | Starts at $62,100 |
| BMW 760i XDrive | Starts at $147,100 |
| BMW 8 Series Gran Coupe | Starts at $122,100 |
| BMW X1 | Starts at $42,425 |
| BMW X2 | Starts at $43,275 |
| BMW X3 | Starts at $52,990 |
| BMW X4 | Starts at $56,500 |
| BMW X5 | Starts at $79,100 |
| BMW X7 | Starts at $108,500 |
| BMW Alpina B8 Gran Coupe | Starts at $162,900 |
*Prices are for information only as obtained from the BMW official website as of May 2022.
The different types of car insurance for BMW vehicles
If you buy an all-risk insurance policy for your BMW vehicle in Quebec, what protections are generally included in your coverage?
The definition of “allrisks” means that your vehicle is protected against most risks to your vehicle, except those that are specifically excluded as stated in your contract.
Your coverage will include many risks, including:
- Theft
- Vandalism
- Collision
- Roll-over
- Hook up
- Fire
- Hail
- Wind
- Lightning
Read the fine print of your auto insurance policy carefully before signing it to verify the extent of your coverage.
BMW car insurance price simulation – Compare +100 examples
Let’s take a look at the cost of insurance for a BMW vehicle in Quebec.
Our insurance partners provided price simulations based on set criteria and sample driver profiles to give you a fair idea of the prices.
Below are sample prices for your information. Keep in mind that prices may vary based on personal information such as age, driving record, etc. We cannot guarantee that you will get the same price indicated on our examples. To get actual and custom quotes, please fill out our free online request form.
The parameters used to calculate the premiums are:
- All-risk insurance
- $2,000,000 of civil liability
- $500 deductible in the event of an at-fault collision
- $250 deductible for other risks
- 15,000 kilometers per year
- 15 km away from work
It must be mentioned that car insurance premiums use other factors aside from age, gender, and location to calculate premiums. Your type of vehicle, frequency and type of use, driving record, and even credit history are considered by insurers.
How much does car insurance cost for BMW 3 Series Sedan?
Price of car insurance for BMW 3 Series Sedan (328 Xdrive 4-door all-wheel drive) Good driver record – All risk insurance | ||||
Year of Vehicle | 25 years | 35 years | 45 years | 55 years |
2014 | $2 768 | $1 164 | $898 | $830 |
2015 | $2 811 | $1 205 | $750 | $725 |
2016 | $2 570 | $1 491 | $981 | $881 |
2017 | $3 108 | $1 564 | $1 349 | $1 017 |
2018 | $3 225 | $1 667 | $1 446 | $1 133 |
2019 | $3 106 | $1 648 | $1 391 | $1 283 |
2020 | $3 156 | $1 671 | $1 425 | $1 303 |
2021 | $3 228 | $1 560 | $1 320 | $1 216 |
*Prices are for information purposes only. No price guarantee offered. To get actual quotes, fill out our form.
How much does car insurance for BMW X1 cost?
Price of car insurance for BMW Sedan X1 Good driver record – All risk insurance | ||||
Year of Vehicle | 25 years | 35 years | 45 years | 55 years |
2014 | $1 762 | $1 314 | $1 168 | $871 |
2015 | $1 979 | $1 412 | $1 249 | $1 029 |
2016 | $2 331 | $1 648 | $1 524 | $1 250 |
2017 | $1 389 | $1 313 | $1 271 | $1 215 |
2018 | $1 455 | $1 443 | $1 328 | $1 315 |
2019 | $2 684 | $2 118 | $1 815 | $1 533 |
2020 | $2 748 | $1 995 | $1 890 | $1 602 |
2021 | $2 892 | $2 055 | $1 949 | $1 661 |
*Prices are for information purposes only. No price guarantee offered. To get actual quotes, fill out our form.
How much does car insurance for BMW X3 cost?
Car insurance cost for BMW X3 Good driver record – All-risk insurance | ||||
Vehicle Year | 25 years | 35 years | 45 years | 55 years |
2014 | $2 393 | $1 763 | $1 539 | $1 316 |
2015 | $2 691 | $1 874 | $1 637 | $1 379 |
2016 | $2 723 | $1 903 | $1 680 | $1 427 |
2017 | $2 812 | $1 929 | $1 733 | $1 481 |
2018 | $2 719 | $1 992 | $1 743 | $1 505 |
2019 | $2 678 | $2 185 | $1 772 | $1 751 |
2020 | $3 459 | $2 496 | $2 284 | $1 940 |
2021 | $3 462 | $2 497 | $2 284 | $1 940 |
*Prices are for information purposes only. No price guarantee offered. To get actual quotes, fill out our form.
How much does car insurance for BMW 2 Series Coupé cost?
Price of car insurance for BMW Coupe 2 Series (228i 2 doors) Good driver record – All-risk insurance | ||||
Vehicle Year | 25 years | 35 years | 45 years | 55 years |
2014 | $986 | $744 | $652 | $522 |
2015 | $1 223 | $876 | $798 | $664 |
2016 | $1 550 | $1 047 | $959 | $808 |
2017 | $1 237 | $936 | $876 | $756 |
2018 | $1 299 | $992 | $934 | $808 |
2019 | $1 372 | $1 051 | $1 000 | $868 |
2020 | $1 452 | $1 098 | $1 033 | $904 |
2021 | $2 031 | $1 422 | $1 355 | $1 212 |
*Prices are for information purposes only. No price guarantee offered. To get actual quotes, fill out our form.
How much does car insurance for BMW X6 cost?
Car insurance cost for BMW X6 Good driver record – All-risk insurance | ||||
Vehicle Year | 25 years | 35 years | 45 years | 55 years |
2014 | $4 030 | $2 295 | $2 106 | $1 596 |
2015 | $4 159 | $2 414 | $2 259 | $1 709 |
2016 | $4 165 | $2 425 | $2 272 | $1 723 |
2017 | $4 567 | $2 705 | $2 558 | $1 939 |
2018 | $4 562 | $2 868 | $2 738 | $2 084 |
2019 | $4 971 | $2 941 | $2 793 | $2 115 |
2020 | $4 735 | $2 812 | $2 690 | $2 026 |
2021 | $4 779 | $2 843 | $2 725 | $2 051 |
*Prices are for information purposes only. No price guarantee offered. To get actual quotes, fill out our form.
Options offered by Section B of auto insurance in Quebec
Section B offered by auto insurance companies in Quebec offers several options:
- Damage to your vehicle due to a collision with another vehicle or if your car overturns or for at-fault accidents
- Damage due to fire, hail, wind, theft, or vandalism
- All-risk insurance for just about anything except those that are excluded in your policy and events such as earthquakes.
You can buy additional insurance coverage from your insurer with “riders” but you will need to pay more for your insurance.
Of course, a vehicle as expensive as a BMW will need all-risk insurance to protect your investment. You can get your options by comparing free quotes from our partner insurers using our short online form!
FAQS about auto insurance in Quebec
While buying car insurance is easy, it is not something you should take lightly. Your coverage determines what financial compensation you receive if your car is involved in a vehicular accident.
You can also avoid paying too much for your premiums by understanding what factors are used to calculate the cost, what protections to choose, and the type of coverage you need.
We hope the FAQS below will clarify some of these questions and guide you in buying the best car insurance in Quebec.
What is one-way insurance and what does it cover?
This type of insurance is mandatory in Quebec and covers damage you cause to others or their properties. The legal requirement is a minimum of $50,000. It does not cover damage to your own vehicle.
What is two-way insurance and what does it cover?
Two-way insurance covers damage you cause to others and their properties (such as when you damage your neighbor’s fence). It also covers damage to your vehicle.
Are physical injuries covered by one-way insurance?
Injuries caused in a car accident that are not covered by the public plan may be covered by your one-way insurance coverage.
Can private insurance pay for damage to my vehicle if I am not at fault?
Yes, private car insurance can pay for damage to your car caused by a collision with another vehicle that was not your fault. But if the accident was your fault, you can only be compensated if you have Section B insurance.
What is a deductible?
A deductible is the portion of any damage you claim from your insurer. If your deductible is $200, you pay the first $200 of any damage caused unless the accident is not your fault.
Generally, choosing a higher deductible can reduce your premiums.
Can I cancel my car insurance?
You can send a written request to your insurer to cancel your policy at any time. You don’t need to explain why and advance premiums paid can be refunded to you. Keep in mind that you are required to have mandatory liability insurance. Thus, you need to make sure you have an active policy for your vehicle at all times.
What should I do if I have a disagreement with my insurance company?
It is best to try to work it out with your insurer. If all efforts fail, you can file a complaint with the Autorité des marchés financiers (AMF).
Get 3 auto insurance quotes for your BMW with 1 form
Do you own or rent a BMW car and want to compare several auto insurance prices to save money?
Compare Insurances Online helps you find the best price on the market for free and without any obligation on your part.
Just fill out the free form on this page to get 3 auto insurance quotes from 3 different insurers.
One of our partner brokers will contact you to evaluate your needs and offer you the best options.
You can save a lot of money from your auto insurance premiums in 2022 by just taking 2 minutes to fill out the form on this page.
THE BEST WAY TO SAVE ON YOUR CAR INSURANCE IS BY SHOPPING AROUND WITH THE HELP OF A PROFESSIONAL
Just fill in the form and one of our partner insurers will find you the best solution.
"*" indicates required fields
TYPES OF HOME INSURANCE OFFERED
SECTORS SERVED
CALL US TO REQUEST YOUR QUOTES OR FOR MORE DETAILS
Become A PartnerContact
Terms and Conditions
About Compare Insurances Online
Publications & Consulting
Compareinsurancesonline.ca is not an insurance company or an insurance broker but a web platform that connects users looking for insurance with insurance brokers.
The Top 12 Home Insurance Companies in Canada
French