I dont pay much more for my M3, it went up $39 per year over what I paid for my 330. I am in a really good bracket though.
40 yrs old
no tickets (they allow 2 for preferred rate)
2004 M3
Liberty Mutual:
$870 per year
Full coverage but $500 deductible on Collision
This is with a multi-car discount, we have 4 vehicle which helps also.
No complaints whatsoever, unless you have a page of tickets and wrecks...I would think if you can afford a BMW - you most likely shouldnt have any trouble with insurance ?