BMW 3 Series Insurance Cost

Auto insurance for a BMW 3 Series will cost about $1,907 per year.

This is more than the national average for luxury sedan models by $13. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a BMW 3 Series.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

BMW 3 Series insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW 3 Series Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,459 $9,484 $11,095
18 $6,019 $8,839 $10,340
19 $5,319 $7,811 $9,138
20 $4,638 $6,811 $7,968
21 $3,890 $5,712 $6,682
22 $3,788 $5,563 $6,507
23 $3,315 $4,867 $5,694
24 $3,149 $4,624 $5,409
25 $2,717 $3,990 $4,668
30 $2,117 $3,108 $3,636
35 $1,983 $2,911 $3,406
40 $1,907 $2,800 $3,276
45 $1,856 $2,725 $3,188
55 $1,702 $2,499 $2,923
65 $1,775 $2,607 $3,049
75 $2,240 $3,290 $3,849

BMW 3 Series car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect BMW 3 Series by state.

BMW 3 Series Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,020 $2,934 $3,735
Alaska $1,671 $2,317 $2,252
Arizona $1,889 $2,731 $4,024
Arkansas $2,071 $3,254 $3,583
California $2,306 $4,078 $2,306
Colorado $2,152 $3,012 $3,821
Connecticut $2,750 $4,264 $5,413
Delaware $2,276 $3,034 $3,896
Florida $2,710 $3,750 $4,886
Georgia $2,210 $3,304 $3,331
Hawaii $883 $1,198 $883
Idaho $1,533 $2,033 $2,471
Illinois $1,605 $2,426 $2,766
Indiana $1,649 $2,521 $2,829
Iowa $1,306 $1,791 $2,106
Kansas $1,738 $2,528 $2,957
Kentucky $2,512 $3,687 $4,354
Louisiana $3,225 $4,874 $5,285
Maine $1,219 $1,686 $2,488
Maryland $1,973 $2,872 $3,190
Massachusetts $1,582 $2,761 $1,582
Michigan $3,819 $5,819 $9,179
Minnesota $1,572 $2,096 $2,951
Mississippi $1,898 $2,707 $2,724
Missouri $1,788 $2,556 $3,358
Montana $1,818 $2,537 $2,952
Nebraska $1,537 $2,272 $2,469
Nevada $2,535 $3,760 $3,972
New Hampshire $1,763 $2,788 $3,525
New Jersey $1,943 $3,048 $3,988
New Mexico $1,984 $2,951 $3,063
New York $1,838 $2,314 $3,862
North Carolina $1,139 $1,957 $1,396
North Dakota $1,559 $2,369 $2,802
Ohio $1,390 $2,144 $2,198
Oklahoma $2,219 $3,178 $3,578
Oregon $2,020 $2,710 $3,237
Pennsylvania $1,701 $2,498 $2,922
Rhode Island $2,840 $4,166 $4,692
South Carolina $1,929 $2,673 $3,690
South Dakota $1,731 $2,494 $2,877
Tennessee $2,035 $2,996 $3,990
Texas $2,050 $2,961 $3,683
Utah $1,744 $2,443 $3,362
Vermont $1,342 $2,067 $2,185
Virginia $1,264 $1,941 $1,903
Washington $1,674 $2,272 $2,713
West Virginia $1,684 $2,412 $3,022
Wisconsin $1,679 $2,621 $2,989
Wyoming $1,567 $2,194 $2,337

BMW 3 Series Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the BMW 3 Series ranks for Insurance compared to other vehicles. Also check out how the 3 Series stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other BMW 3 Series Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major BMW 3 Series costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: