BMW 3 Series insurance averages $173 monthly for full coverage and $89 for minimum coverage. Depending on your particular trim and model year, you'll pay anywhere from $52 to $309 monthly.
BMW 3 Series Insurance Cost
Updated: January 28, 2026
Key Takeaways
GEICO offers the most affordable BMW 3-series insurance on average, though full coverage costs vary by model year and insurer. Drivers pay around $173 monthly for comprehensive protection. Read more
Among convertibles, the BMW 3-series ranks eighth out of 35 for insurance affordability, making it relatively affordable for its vehicle type. Convertibles cost more to insure due to higher repair costs and theft rates. Read more
For the most accurate rates, focus on your BMW 3-series's specific model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific 3-series model years, depending on the age of the drivers
How Much Is BMW 3 Series Insurance?
| BMW 3-Series | $89 | $173 |
Looking for another BMW model? Read more about the cost of BMW car insurance models. Insurance costs for your BMW 3 Series vary by age, with monthly premiums spanning from $52 for older vehicles to $276 for the newest models. Like most cars, newer BMW 3 Series models command higher rates because they're worth more money.
Insurance costs for a BMW 3-Series depend on model year and company. Full coverage goes from $135 monthly with GEICO to $299 with AIG, while minimum coverage spans $62 with GEICO to $137 with UAIC.
BMW 3-Series owners should shop between insurers since minimum coverage varies by over $75 and full coverage by over $164. Each company calculates risk differently for the BMW 3-Series, affecting your final quote.
| AAA | $101 | $210 |
| AIG | $122 | $299 |
| Allstate | $115 | $223 |
| Amica | $111 | $228 |
| Chubb | $110 | $217 |
| Farmers | $128 | $224 |
| Geico | $62 | $135 |
| Kemper | $88 | $180 |
| Nationwide | $97 | $168 |
| Progressive | $95 | $178 |
| State Farm | $82 | $172 |
| The Hartford | $93 | $158 |
| Travelers | $78 | $144 |
| UAIC | $137 | $169 |
Is BMW 3 Series Expensive to Insure?
MoneyGeek's analysis of 35 convertibles shows the BMW 3-series ranking eighth for insurance affordability, meaning seven models cost less to insure. It's positioned just a few dollars per month more expensive than a Mercedes CLK-Class and slightly cheaper than a Volvo C70. This middle-tier placement among convertibles provides useful context for potential buyers.
While convertibles are expensive to insure, the BMW 3-series actually ranks 223rd out of 827 total vehicles in our database, placing it in the top half for affordability. For comparison, the cheapest convertible to insure is the Pontiac Sunfire, while the Mercedes S-Class commands the highest premiums in this category.
| Volkswagen Eos | $118 | 5 |
| Fiat 500 | $118 | 6 |
| Mercedes CLK-Class | $121 | 7 |
| BMW 3-series | $122 | 8 |
| Volvo C70 | $122 | 9 |
| Volkswagen Beetle | $125 | 10 |
| Audi A4 | $126 | 11 |
Several factors affect what you'll pay for BMW 3 Series insurance:
- Average Repair or Replacement Costs: BMW 3 Series maintenance expenses average $1,423 annually, ranking as the eighth most affordable BMW model to maintain out of 30 available models.
- Vehicle Trim, Features and Accessories: Performance capabilities vary with horsepower ranging from 154 to 503, depending on your trim selection. High-performance variants command higher premiums due to their increased power output.
- Driver Profile: The 3 Series attracts drivers aged 30-50 with a median age around 40, and higher income levels often translate to lower insurance rates. However, its performance reputation draws risk-taking behaviors that raise insurer concerns. Read more about the costs of BMW 3 Series for young drivers.
BMW 3 Series Costs by Model Year and Driver Age by Insurance Company
Model year plays a crucial role in determining your BMW 3-series insurance costs, along with driver age on your policy. A 35- to 55-year-old driver pays around $240 monthly for full coverage on a 2016 BMW 3-series compared to $262 for a 2025 model, showing how newer vehicles command higher premiums. Teen and young adult drivers face steeper rates across all model years.
Nationwide offers the most affordable rates across all BMW 3-series model years.Â
Older models (2016 to 2020):
Cost of Car Insurance for 2025 BMW 3 Series
| Geico | $89 | $195 |
| State Farm | $100 | $209 |
| Travelers | $101 | $187 |
| Nationwide | $102 | $178 |
| Kemper | $107 | $219 |
| National General | $110 | $226 |
| Progressive | $114 | $213 |
| The Hartford | $120 | $204 |
| AAA | $140 | $292 |
| Allstate | $155 | $299 |
| UAIC | $165 | $209 |
| Amica | $172 | $354 |
| Chubb | $176 | $354 |
| AIG | $180 | $454 |
| Farmers | $189 | $334 |
2025 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $785 | $691 | $611 | $528 | $466 | $396 | $360 | $322 | $295 | $259 |
| Nationwide | $804 | $734 | $676 | $573 | $485 | $315 | $292 | $273 | $258 | $231 |
| Travelers | $1,088 | $794 | $629 | $487 | $431 | $319 | $292 | $270 | $250 | $215 |
| Geico | $1,103 | $808 | $679 | $494 | $424 | $343 | $316 | $261 | $247 | $224 |
| Allstate | $1,424 | $1,116 | $901 | $666 | $596 | $465 | $422 | $399 | $376 | $332 |
| Progressive | $1,548 | $1,253 | $1,040 | $578 | $504 | $407 | $363 | $324 | $298 | $256 |
| Farmers | $2,084 | $1,539 | $1,370 | $857 | $809 | $616 | $548 | $524 | $498 | $419 |
Cost of Car Insurance for 2024 BMW 3 Series
| Geico | $83 | $182 |
| Travelers | $93 | $173 |
| Nationwide | $94 | $163 |
| State Farm | $98 | $204 |
| Kemper | $101 | $207 |
| National General | $102 | $208 |
| Progressive | $105 | $197 |
| The Hartford | $108 | $185 |
| AAA | $129 | $270 |
| Allstate | $144 | $278 |
| UAIC | $156 | $198 |
| Amica | $157 | $323 |
| Chubb | $162 | $327 |
| AIG | $166 | $417 |
| Farmers | $177 | $313 |
2024 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $738 | $673 | $620 | $525 | $444 | $289 | $268 | $250 | $237 | $212 |
| State Farm | $766 | $674 | $597 | $515 | $455 | $387 | $352 | $314 | $288 | $253 |
| Travelers | $1,010 | $736 | $583 | $452 | $399 | $295 | $270 | $250 | $231 | $199 |
| Geico | $1,034 | $757 | $636 | $463 | $397 | $322 | $296 | $245 | $232 | $210 |
| Allstate | $1,325 | $1,038 | $837 | $619 | $554 | $432 | $392 | $370 | $349 | $309 |
| Progressive | $1,431 | $1,158 | $961 | $534 | $466 | $376 | $335 | $299 | $275 | $237 |
| Farmers | $1,959 | $1,447 | $1,287 | $803 | $758 | $576 | $513 | $491 | $466 | $392 |
Cost of Car Insurance for 2023 BMW 3 Series
| Geico | $68 | $150 |
| Nationwide | $76 | $131 |
| Travelers | $76 | $140 |
| National General | $82 | $169 |
| State Farm | $83 | $174 |
| Kemper | $83 | $171 |
| Progressive | $85 | $160 |
| The Hartford | $86 | $147 |
| AAA | $105 | $219 |
| Allstate | $117 | $227 |
| Amica | $126 | $259 |
| UAIC | $129 | $164 |
| Chubb | $132 | $266 |
| AIG | $134 | $337 |
| Farmers | $146 | $258 |
2023 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $595 | $543 | $500 | $424 | $358 | $233 | $216 | $202 | $191 | $171 |
| State Farm | $652 | $574 | $507 | $439 | $387 | $329 | $299 | $267 | $244 | $215 |
| Travelers | $823 | $600 | $475 | $368 | $325 | $240 | $220 | $203 | $188 | $162 |
| Geico | $851 | $623 | $523 | $381 | $327 | $265 | $244 | $201 | $191 | $173 |
| Allstate | $1,082 | $848 | $684 | $505 | $452 | $353 | $320 | $302 | $285 | $252 |
| Progressive | $1,163 | $941 | $781 | $433 | $378 | $305 | $272 | $243 | $224 | $192 |
| Farmers | $1,616 | $1,193 | $1,061 | $660 | $623 | $473 | $422 | $403 | $383 | $322 |
Cost of Car Insurance for 2022 BMW 3 Series
| Geico | $72 | $159 |
| National General | $85 | $175 |
| Travelers | $93 | $171 |
| Progressive | $107 | $202 |
| State Farm | $109 | $228 |
| Nationwide | $112 | $195 |
| Kemper | $115 | $237 |
| AAA | $120 | $249 |
| Chubb | $130 | $262 |
| Amica | $134 | $275 |
| Allstate | $134 | $260 |
| The Hartford | $136 | $232 |
| UAIC | $143 | $181 |
| AIG | $148 | $370 |
| Farmers | $159 | $278 |
2022 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $855 | $753 | $665 | $575 | $507 | $432 | $392 | $350 | $320 | $282 |
| Nationwide | $882 | $807 | $742 | $630 | $533 | $346 | $320 | $299 | $283 | $253 |
| Geico | $898 | $657 | $552 | $402 | $345 | $279 | $257 | $213 | $201 | $182 |
| Travelers | $1,021 | $738 | $583 | $450 | $397 | $293 | $268 | $247 | $228 | $197 |
| Allstate | $1,246 | $976 | $786 | $578 | $518 | $405 | $367 | $346 | $326 | $289 |
| Progressive | $1,470 | $1,190 | $988 | $549 | $479 | $386 | $344 | $307 | $283 | $243 |
| Farmers | $1,709 | $1,265 | $1,128 | $715 | $676 | $516 | $458 | $439 | $416 | $351 |
Cost of Car Insurance for 2021 BMW 3 Series
| Geico | $64 | $141 |
| National General | $76 | $155 |
| Travelers | $82 | $152 |
| Progressive | $95 | $179 |
| State Farm | $97 | $202 |
| Nationwide | $100 | $173 |
| Kemper | $102 | $211 |
| AAA | $106 | $221 |
| Chubb | $116 | $233 |
| Amica | $119 | $244 |
| Allstate | $119 | $231 |
| The Hartford | $121 | $206 |
| UAIC | $127 | $161 |
| AIG | $131 | $329 |
| Farmers | $141 | $247 |
2021 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $760 | $669 | $591 | $511 | $451 | $383 | $348 | $311 | $284 | $250 |
| Nationwide | $783 | $717 | $660 | $560 | $473 | $307 | $285 | $266 | $251 | $225 |
| Geico | $797 | $584 | $491 | $357 | $306 | $248 | $229 | $189 | $179 | $162 |
| Travelers | $907 | $655 | $518 | $400 | $353 | $260 | $238 | $219 | $203 | $175 |
| Allstate | $1,106 | $867 | $698 | $513 | $460 | $359 | $326 | $308 | $290 | $256 |
| Progressive | $1,306 | $1,057 | $877 | $487 | $425 | $343 | $306 | $273 | $251 | $216 |
| Farmers | $1,518 | $1,124 | $1,002 | $635 | $601 | $459 | $407 | $390 | $370 | $312 |
Cost of Car Insurance for 2020 BMW 3 Series
| Geico | $65 | $141 |
| National General | $76 | $156 |
| Travelers | $83 | $153 |
| Progressive | $96 | $180 |
| State Farm | $97 | $203 |
| Nationwide | $100 | $174 |
| Kemper | $103 | $211 |
| AAA | $107 | $222 |
| Chubb | $116 | $234 |
| Amica | $119 | $245 |
| Allstate | $120 | $231 |
| The Hartford | $121 | $207 |
| UAIC | $128 | $161 |
| AIG | $132 | $330 |
| Farmers | $142 | $248 |
2020 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $762 | $671 | $593 | $512 | $452 | $385 | $349 | $312 | $285 | $251 |
| Nationwide | $786 | $719 | $662 | $562 | $475 | $308 | $286 | $266 | $252 | $226 |
| Geico | $800 | $586 | $492 | $358 | $307 | $249 | $229 | $189 | $179 | $162 |
| Travelers | $910 | $657 | $519 | $401 | $354 | $261 | $238 | $220 | $203 | $176 |
| Allstate | $1,110 | $870 | $700 | $515 | $461 | $361 | $327 | $309 | $291 | $257 |
| Progressive | $1,310 | $1,060 | $880 | $489 | $426 | $344 | $306 | $274 | $252 | $217 |
| Farmers | $1,523 | $1,127 | $1,005 | $637 | $603 | $460 | $408 | $391 | $371 | $313 |
Cost of Car Insurance for 2019 BMW 3 Series
| Geico | $55 | $120 |
| National General | $65 | $133 |
| Travelers | $70 | $130 |
| Progressive | $81 | $153 |
| State Farm | $82 | $173 |
| Nationwide | $85 | $148 |
| Kemper | $87 | $180 |
| AAA | $91 | $189 |
| Chubb | $99 | $199 |
| Amica | $101 | $208 |
| Allstate | $102 | $197 |
| The Hartford | $103 | $176 |
| UAIC | $109 | $137 |
| AIG | $112 | $280 |
| Farmers | $121 | $211 |
2019 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $649 | $571 | $504 | $436 | $385 | $327 | $297 | $265 | $242 | $214 |
| Nationwide | $668 | $611 | $563 | $478 | $404 | $262 | $243 | $227 | $214 | $192 |
| Geico | $680 | $498 | $419 | $305 | $261 | $212 | $195 | $161 | $152 | $138 |
| Travelers | $774 | $559 | $442 | $341 | $301 | $222 | $203 | $187 | $173 | $150 |
| Allstate | $944 | $740 | $596 | $438 | $392 | $307 | $278 | $263 | $247 | $219 |
| Progressive | $1,115 | $902 | $749 | $416 | $363 | $292 | $261 | $233 | $214 | $184 |
| Farmers | $1,296 | $959 | $855 | $542 | $513 | $391 | $347 | $333 | $316 | $266 |
Cost of Car Insurance for 2018 BMW 3 Series
| Geico | $79 | $173 |
| Travelers | $88 | $163 |
| National General | $89 | $181 |
| Progressive | $89 | $168 |
| The Hartford | $95 | $162 |
| Kemper | $95 | $199 |
| State Farm | $101 | $211 |
| Nationwide | $112 | $195 |
| Chubb | $115 | $234 |
| UAIC | $121 | $148 |
| Allstate | $124 | $241 |
| AAA | $129 | $270 |
| Amica | $143 | $294 |
| Farmers | $147 | $258 |
| AIG | $153 | $377 |
2018 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $793 | $697 | $617 | $532 | $470 | $400 | $363 | $325 | $297 | $262 |
| Nationwide | $884 | $808 | $744 | $632 | $534 | $346 | $321 | $300 | $284 | $254 |
| Geico | $978 | $716 | $601 | $438 | $375 | $304 | $280 | $231 | $219 | $198 |
| Travelers | $985 | $710 | $561 | $432 | $382 | $279 | $255 | $236 | $218 | $188 |
| Allstate | $1,145 | $898 | $725 | $536 | $480 | $375 | $340 | $321 | $303 | $268 |
| Progressive | $1,223 | $988 | $821 | $455 | $397 | $321 | $286 | $255 | $235 | $202 |
| Farmers | $1,587 | $1,174 | $1,047 | $663 | $627 | $477 | $424 | $406 | $386 | $325 |
Cost of Car Insurance for 2017 BMW 3 Series
| Geico | $101 | $220 |
| National General | $104 | $212 |
| Travelers | $127 | $234 |
| State Farm | $144 | $299 |
| Kemper | $151 | $310 |
| The Hartford | $152 | $260 |
| Progressive | $152 | $286 |
| Nationwide | $153 | $265 |
| AAA | $156 | $324 |
| Amica | $160 | $327 |
| Allstate | $168 | $324 |
| Chubb | $173 | $343 |
| AIG | $196 | $488 |
| Farmers | $208 | $368 |
| UAIC | $210 | $261 |
2017 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,125 | $990 | $876 | $756 | $668 | $568 | $516 | $461 | $421 | $371 |
| Nationwide | $1,197 | $1,098 | $1,010 | $858 | $724 | $470 | $436 | $406 | $384 | $344 |
| Geico | $1,240 | $906 | $761 | $553 | $476 | $385 | $355 | $294 | $278 | $252 |
| Travelers | $1,379 | $1,000 | $789 | $610 | $538 | $400 | $365 | $337 | $311 | $270 |
| Allstate | $1,555 | $1,218 | $979 | $719 | $645 | $503 | $457 | $431 | $406 | $359 |
| Progressive | $2,093 | $1,688 | $1,400 | $776 | $677 | $547 | $487 | $435 | $400 | $343 |
| Farmers | $2,299 | $1,698 | $1,512 | $939 | $886 | $672 | $600 | $573 | $546 | $459 |
Cost of Car Insurance for 2016 BMW 3 Series
| Geico | $81 | $175 |
| National General | $83 | $169 |
| Travelers | $102 | $187 |
| State Farm | $115 | $239 |
| Kemper | $121 | $247 |
| The Hartford | $121 | $207 |
| Progressive | $122 | $228 |
| Nationwide | $122 | $211 |
| AAA | $125 | $258 |
| Amica | $127 | $261 |
| Allstate | $134 | $258 |
| Chubb | $138 | $274 |
| AIG | $156 | $390 |
| Farmers | $166 | $294 |
| UAIC | $167 | $208 |
2016 BMW 3 Series Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $898 | $790 | $699 | $604 | $533 | $453 | $412 | $368 | $336 | $296 |
| Nationwide | $955 | $876 | $806 | $684 | $578 | $375 | $348 | $324 | $306 | $274 |
| Geico | $990 | $723 | $607 | $441 | $380 | $307 | $283 | $234 | $222 | $201 |
| Travelers | $1,100 | $798 | $630 | $487 | $429 | $319 | $291 | $269 | $248 | $215 |
| Allstate | $1,241 | $972 | $781 | $574 | $514 | $402 | $365 | $344 | $324 | $287 |
| Progressive | $1,670 | $1,347 | $1,117 | $619 | $540 | $437 | $389 | $347 | $319 | $274 |
| Farmers | $1,835 | $1,355 | $1,206 | $750 | $707 | $536 | $479 | $458 | $435 | $367 |
BMW 3 Series Insurance Cost by Trim
Insurance costs for your BMW 3 Series vary by trim, ranging from $61 monthly for minimum coverage on basic models like the 323ci Coupe 2d to $309 for full coverage on high-performance variants like the 340i Xdrive Sedan 4d. Performance features and market value determine where each trim falls in this range.
| 323ci Coupe 2d | $61 | $117 |
| 325xit Wagon 4d | $63 | $122 |
| 323i Wagon 4d | $64 | $122 |
| 325cic Convertible 2d | $65 | $125 |
| 325i Sedan 4d | $65 | $125 |
| 323i Sedan 4d | $66 | $127 |
| 325it Wagon 4d | $67 | $129 |
| 325ci Coupe 2d | $68 | $130 |
| 323ci Convertible 2d | $68 | $131 |
| 325xit Awd Wagon 4d | $68 | $132 |
| 325xi Sedan 4d | $69 | $133 |
| 328ci Coupe 2d | $69 | $133 |
| 330cic Convertible 2d | $70 | $135 |
| 325xi Awd Sedan 4d | $70 | $136 |
| 320i Sedan 4d | $71 | $137 |
| 328i Coupe 2d | $71 | $137 |
| 330xi Awd Sedan 4d | $72 | $139 |
| 330xi Sedan 4d | $75 | $144 |
| 320i Xdrive Sedan 4d | $75 | $146 |
| 330ci Coupe 2d | $75 | $145 |
| 328xi Sedan 4d | $76 | $147 |
| 325ci Convertible 2d | $77 | $147 |
| 330i Sedan 4d | $77 | $149 |
| 328i Sedan 4d | $77 | $149 |
| 330ci Convertible 2d | $77 | $149 |
| 328xi Wagon 4d | $81 | $157 |
| 328i Xdrive Sedan 4d | $83 | $160 |
| 328i Gran Turismo Xdrive Sedan 4d | $83 | $162 |
| 328i Convertible 2d | $85 | $164 |
| 328xi Coupe 2d | $85 | $163 |
| 328i Xdrive Coupe 2d | $85 | $165 |
| 335i Sedan 4d | $86 | $166 |
| 330e Sedan 4d | $86 | $168 |
| Activehybrid 3 Sedan 4d | $86 | $168 |
| 335xi Sedan 4d | $87 | $168 |
| 335i Convertible 2d | $89 | $172 |
| 330i Xdrive Sedan 4d | $89 | $174 |
| 330e Xdrive Sedan 4d | $90 | $175 |
| 335i Coupe 2d | $90 | $174 |
| 325i Wagon 4d | $91 | $176 |
| 328i Xdrive Sport Wagon 4d | $91 | $177 |
| 335i Xdrive Coupe 2d | $93 | $180 |
| 335i Xdrive Sedan 4d | $93 | $180 |
| 328i Sport Wagon 4d | $93 | $181 |
| 330e Iperformance Sedan 4d | $94 | $182 |
| 325xi Wagon 4d | $94 | $181 |
| 335i Gran Turismo Xdrive Sedan 4d | $95 | $184 |
| 328d Sedan 4d | $95 | $184 |
| 328xi Sport Wagon 4d | $95 | $183 |
| 328d Xdrive Sedan 4d | $97 | $189 |
| 328i Wagon 4d | $97 | $188 |
| 335xi Coupe 2d | $100 | $193 |
| 330i Gran Turismo Xdrive Sedan 4d | $100 | $195 |
| 330i | $107 | $209 |
| 330e | $107 | $210 |
| 335is Convertible 2d | $110 | $213 |
| 328i Xdrive Wagon 4d | $111 | $215 |
| 330i Xdrive | $113 | $220 |
| 330e Xdrive | $113 | $221 |
| 335d Sedan 4d | $114 | $221 |
| M340i | $117 | $228 |
| M340i Sedan 4d | $120 | $234 |
| M340i Xdrive | $122 | $237 |
| M340i Xdrive Sedan 4d | $123 | $241 |
| 330i Xdrive Sport Wagon 4d | $125 | $244 |
| 335is Coupe 2d | $126 | $244 |
| 340i Sedan 4d | $136 | $265 |
| 328d Xdrive Sport Wagon 4d | $141 | $274 |
| 340i Gran Turismo Xdrive Sedan 4d | $142 | $277 |
| 340i Xdrive Sedan 4d | $159 | $309 |
BMW 3 Series Insurance Cost by State
Car insurance for a BMW 3 Series ranges from just $37 monthly in Wyoming to $176 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything about the vehicle itself.
| Alabama | $76 | $143 |
| Alaska | $65 | $137 |
| Arizona | $104 | $194 |
| Arkansas | $70 | $155 |
| California | $84 | $171 |
| Colorado | $85 | $205 |
| Connecticut | $120 | $206 |
| Delaware | $122 | $205 |
| Florida | $113 | $260 |
| Georgia | $129 | $214 |
| Hawaii | $47 | $105 |
| Idaho | $47 | $96 |
| Illinois | $80 | $150 |
| Indiana | $56 | $110 |
| Iowa | $50 | $121 |
| Kansas | $64 | $148 |
| Kentucky | $110 | $186 |
| Louisiana | $176 | $375 |
| Maine | $46 | $96 |
| Maryland | $132 | $223 |
| Massachusetts | $92 | $194 |
| Michigan | $137 | $263 |
| Minnesota | $73 | $153 |
| Mississippi | $77 | $152 |
| Missouri | $105 | $209 |
| Montana | $67 | $157 |
| Nebraska | $64 | $146 |
| Nevada | $152 | $275 |
| New Hampshire | $62 | $109 |
| New Jersey | $143 | $235 |
| New Mexico | $72 | $161 |
| New York | $103 | $185 |
| North Carolina | $70 | $138 |
| North Dakota | $54 | $118 |
| Ohio | $66 | $127 |
| Oklahoma | $81 | $179 |
| Oregon | $102 | $179 |
| Pennsylvania | $77 | $180 |
| Rhode Island | $107 | $191 |
| South Carolina | $89 | $166 |
| South Dakota | $49 | $154 |
| Tennessee | $69 | $139 |
| Texas | $110 | $225 |
| Utah | $92 | $156 |
| Vermont | $40 | $97 |
| Virginia | $83 | $134 |
| Washington | $80 | $148 |
| West Virginia | $79 | $160 |
| Wisconsin | $57 | $126 |
| Wyoming | $37 | $114 |
How to Lower the Cost of BMW 3 Series Insurance
These proven strategies help you find affordable BMW 3 Series insurance without sacrificing coverage:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your BMW 3 Series. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for performance sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates. Understanding typical costs helps you identify genuine savings versus inflated quotes when shopping around.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau records and confirm AM Best financial stability. Budget options could provide limited coverage or slower service when you need claims processed quickly.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. BMW 3-Series owners often qualify for safety features discounts, good driver rewards, policy bundling savings and anti-theft device discounts. Many insurers also offer multi-vehicle discounts if you insure multiple cars, plus student discounts for young drivers maintaining good grades.
- 5Consider alternative car insurance types
BMW 3-Series owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior. Low-mileage drivers particularly benefit from pay-per-mile plans that charge based on miles driven rather than estimated annual usage.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your BMW 3-Series insurance. Rate changes happen frequently due to market conditions, so what was cheapest last year might not offer the best value today.
BMW 3 Series Insurance Cost: Bottom Line
BMW 3-Series insurance runs affordable compared to average costs, so decent rates are definitely within reach. You'll secure better pricing by comparing quotes from multiple insurers and maximizing available discounts.
BMW 3 Series Insurance Rates: FAQ
What is the average cost of car insurance for a BMW 3 Series?
BMW 3 Series insurance costs $1,070 annually for state minimum coverage and $2,074 yearly for full coverage. Monthly premiums average $89 for minimum and $173 for comprehensive protection.
What company has the cheapest car insurance for a BMW 3 Series?
GEICO provides the most affordable minimum coverage for a BMW 3-Series at $747 annually. BMW drivers seeking full coverage will also find GEICO offers the best value at $1,624 per year.
Are BMW 3 Series expensive to insure?
No, BMW 3-series insurance is not more expensive than most vehicles to insure. The model ranks 223rd out of 827 vehicles for affordability, though it places eighth out of 35 convertibles.
What factors affect insurance costs for BMW 3 Series?
Premium parts and repair costs increase coverage expenses, while the vehicle's performance capabilities influence risk assessment. Your driving record, credit score and chosen coverage determine your final premium.
How can I lower BMW 3 Series insurance costs?
Compare quotes from multiple insurers since BMW 3 Series pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to secure better rates.
How We Determined BMW 3 Series Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate BMW 3 Series insurance costs.
Who We Based These Rates On
These BMW 3 Series prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.