BMW 116d Insurance Group
This car is often listed among insurance group 11–20 cars for young drivers.
The BMW 116d typically falls into insurance groups 15–20, depending on the year, trim level, and specification. This makes it slightly cheaper to insure than higher-powered BMW models, but it is still considered expensive for young and first-time drivers.
For UK drivers aged 17–25, insurance costs are influenced by the BMW badge, repair costs, and the car’s overall performance compared to smaller hatchbacks.
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Quick Facts – BMW 116d
Insurance group: 15–20
Typical young driver cost: £1,600 – £3,000 per year
Engine: 1.6 diesel
Fuel economy: ~55–65 MPG
Best for: Drivers aged 19–25
BMW 116d Insurance Cost for Young Drivers
For young UK drivers, typical annual insurance costs are:
17–18 year olds: £2,200 – £3,800+
19–21 year olds: £1,600 – £3,000
22–25 year olds: £1,100 – £2,200
These are realistic estimates based on market data. Your exact price will vary depending on postcode, driving history, and insurer.
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Why Is the BMW 116d Expensive to Insure?
The BMW 116d is more expensive to insure for young drivers because:
It carries a premium German brand
Repair and replacement parts cost more
Rear-wheel drive increases perceived risk
It is more attractive to insurers than smaller budget cars
These factors push it into higher insurance groups than many alternatives.
Is the BMW 116d a Good First Car?
Pros:
Strong fuel economy
Comfortable motorway driving
Premium interior feel
Cons:
Higher insurance than small hatchbacks
Repair costs can be expensive
Often requires a higher excess
The BMW 116d appeals to young drivers who want a premium look, but insurance costs should always be checked before buying.
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BMW 116d Insurance Compared to Cheaper Alternatives
If insurance costs are too high, these cars are often cheaper to insure for young drivers:
Comparing alternatives could save hundreds of pounds per year.
Final Advice for Young Drivers
Before purchasing a BMW 116d, always compare insurance quotes using your exact personal details. Small changes in age or location can make a big difference to the final price.