Compare auto insurance rates for BMW in Quebec.
Compare auto insurance rates for BMW 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 CoupeStarts at $52,700
BMW 2 Series CoupeStarts at 56,950
BMW 3 Series SedanStarts at $52,750
BMW 4 Series CoupeStarts at $53,650
BMW 4 Series CabrioletStarts at $62,100
BMW 760i XDriveStarts at $147,100
BMW 8 Series Gran CoupeStarts at $122,100
BMW X1Starts at $42,425
BMW X2Starts at $43,275
BMW X3Starts at $52,990
BMW X4Starts at $56,500
BMW X5Starts at $79,100
BMW X7Starts at $108,500
BMW Alpina B8 Gran CoupeStarts 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:

Read the fine print of your auto insurance policy carefully before signing it to verify the extent of your coverage.

your vehicle with all-risk insurance 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:

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

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?

Source: BMW Canada

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?

Source: BMW Canada

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?

Source: BMW Canada

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?

Source: BMW Canada

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?

Source: BMW Canada

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

Understanding auto insurance in Quebec with our FAQs.

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

on premiums with online quotes from reputable partner insurers.

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.