BMW 3 Series Insurance Cost

Auto insurance for a BMW 3 Series will cost about $1,825 per year.

This is more than the national average for luxury sedan models by $38. 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 $6,182 $9,078 $10,620
18 $5,761 $8,460 $9,897
19 $5,092 $7,477 $8,747
20 $4,440 $6,519 $7,627
21 $3,723 $5,467 $6,396
22 $3,626 $5,324 $6,229
23 $3,173 $4,659 $5,450
24 $3,014 $4,426 $5,178
25 $2,601 $3,819 $4,468
30 $2,026 $2,975 $3,481
35 $1,898 $2,787 $3,260
40 $1,825 $2,680 $3,135
45 $1,776 $2,608 $3,051
55 $1,629 $2,392 $2,798
65 $1,699 $2,495 $2,919
75 $2,144 $3,149 $3,684

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 $1,934 $2,809 $3,575
Alaska $1,600 $2,217 $2,155
Arizona $1,808 $2,614 $3,851
Arkansas $1,983 $3,115 $3,430
California $2,207 $3,904 $2,207
Colorado $2,060 $2,883 $3,658
Connecticut $2,632 $4,082 $5,181
Delaware $2,179 $2,904 $3,730
Florida $2,594 $3,589 $4,677
Georgia $2,115 $3,163 $3,189
Hawaii $845 $1,147 $845
Idaho $1,468 $1,946 $2,366
Illinois $1,536 $2,322 $2,648
Indiana $1,578 $2,413 $2,708
Iowa $1,250 $1,714 $2,016
Kansas $1,663 $2,420 $2,830
Kentucky $2,404 $3,529 $4,168
Louisiana $3,087 $4,666 $5,059
Maine $1,167 $1,613 $2,382
Maryland $1,889 $2,749 $3,053
Massachusetts $1,515 $2,642 $1,515
Michigan $3,655 $5,570 $8,786
Minnesota $1,505 $2,006 $2,825
Mississippi $1,816 $2,591 $2,608
Missouri $1,711 $2,447 $3,214
Montana $1,740 $2,428 $2,826
Nebraska $1,471 $2,175 $2,363
Nevada $2,426 $3,599 $3,801
New Hampshire $1,688 $2,669 $3,374
New Jersey $1,859 $2,917 $3,817
New Mexico $1,899 $2,825 $2,932
New York $1,759 $2,215 $3,697
North Carolina $1,090 $1,873 $1,336
North Dakota $1,492 $2,268 $2,682
Ohio $1,330 $2,052 $2,104
Oklahoma $2,124 $3,042 $3,425
Oregon $1,933 $2,594 $3,098
Pennsylvania $1,628 $2,391 $2,797
Rhode Island $2,719 $3,988 $4,491
South Carolina $1,846 $2,559 $3,532
South Dakota $1,656 $2,387 $2,754
Tennessee $1,948 $2,868 $3,819
Texas $1,962 $2,834 $3,525
Utah $1,669 $2,339 $3,218
Vermont $1,285 $1,979 $2,091
Virginia $1,210 $1,858 $1,821
Washington $1,602 $2,174 $2,596
West Virginia $1,612 $2,308 $2,892
Wisconsin $1,607 $2,509 $2,861
Wyoming $1,500 $2,100 $2,237

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: