BMW 3 Series Insurance Cost

Auto insurance for a BMW 3 Series will cost about $2,367 per year.

This is more than the national average for luxury sedan models by $142. 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 $8,017 $11,772 $13,772
18 $7,471 $10,971 $12,834
19 $6,603 $9,695 $11,342
20 $5,757 $8,454 $9,890
21 $4,828 $7,089 $8,294
22 $4,702 $6,905 $8,077
23 $4,114 $6,041 $7,068
24 $3,909 $5,739 $6,714
25 $3,373 $4,953 $5,794
30 $2,628 $3,858 $4,514
35 $2,461 $3,614 $4,228
40 $2,367 $3,475 $4,066
45 $2,303 $3,382 $3,956
55 $2,112 $3,102 $3,629
65 $2,203 $3,235 $3,785
75 $2,781 $4,084 $4,777

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 $2,508 $3,642 $4,636
Alaska $2,074 $2,875 $2,795
Arizona $2,345 $3,390 $4,994
Arkansas $2,571 $4,040 $4,448
California $2,863 $5,062 $2,863
Colorado $2,671 $3,739 $4,743
Connecticut $3,413 $5,293 $6,719
Delaware $2,825 $3,765 $4,836
Florida $3,364 $4,654 $6,065
Hawaii $1,096 $1,487 $1,096
Idaho $1,903 $2,523 $3,068
Illinois $1,992 $3,011 $3,434
Indiana $2,047 $3,129 $3,511
Iowa $1,621 $2,223 $2,614
Kansas $2,157 $3,138 $3,670
Kentucky $3,118 $4,577 $5,405
Louisiana $4,003 $6,050 $6,560
Maine $1,514 $2,092 $3,089
Maryland $2,449 $3,565 $3,960
Massachusetts $1,964 $3,426 $1,964
Michigan $4,740 $7,223 $11,393
Minnesota $1,951 $2,602 $3,663
Mississippi $2,355 $3,360 $3,381
Missouri $2,219 $3,173 $4,168
Montana $2,256 $3,149 $3,665
Nebraska $1,907 $2,821 $3,065
Nevada $3,146 $4,667 $4,930
New Hampshire $2,189 $3,461 $4,375
New Jersey $2,411 $3,783 $4,950
New Mexico $2,462 $3,663 $3,802
New York $2,281 $2,872 $4,794
North Carolina $1,414 $2,429 $1,732
North Dakota $1,935 $2,941 $3,478
Ohio $1,725 $2,661 $2,728
Oklahoma $2,755 $3,945 $4,441
Oregon $2,507 $3,364 $4,018
Pennsylvania $2,112 $3,100 $3,627
Rhode Island $3,526 $5,172 $5,824
South Carolina $2,394 $3,318 $4,580
South Dakota $2,148 $3,095 $3,572
Tennessee $2,526 $3,719 $4,953
Texas $2,544 $3,675 $4,572
Utah $2,164 $3,033 $4,173
Vermont $1,666 $2,566 $2,712
Virginia $1,569 $2,410 $2,362
Washington $2,078 $2,820 $3,367
West Virginia $2,091 $2,993 $3,751
Wisconsin $2,084 $3,253 $3,711
Wyoming $1,945 $2,724 $2,900
Georgia $2,743 $4,101 $4,135

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: