BMW 3 Series Insurance Cost

Auto insurance for a BMW 3 Series will cost about $2,225 per year.

This is more than the national average for luxury sedan models by $158. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a 3 Series.

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

These BMW 3 Series insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

BMW 3 Series insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $7,538 $11,228 $13,273
18 $7,025 $10,464 $12,369
19 $6,208 $9,247 $10,931
20 $5,413 $8,063 $9,531
21 $4,540 $6,762 $7,993
22 $4,421 $6,585 $7,785
23 $3,868 $5,762 $6,811
24 $3,675 $5,474 $6,471
25 $3,172 $4,724 $5,584
30 $2,471 $3,680 $4,350
35 $2,314 $3,447 $4,074
40 $2,225 $3,315 $3,918
45 $2,166 $3,226 $3,813
55 $1,986 $2,958 $3,497
65 $2,072 $3,086 $3,648
75 $2,615 $3,895 $4,604

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 $2,358 $3,303 $4,134
Alaska $1,950 $2,841 $2,976
Arizona $2,205 $3,420 $4,877
Arkansas $2,417 $3,662 $4,096
California $2,692 $4,708 $2,692
Colorado $2,512 $3,477 $4,338
Connecticut $3,209 $4,961 $6,355
Delaware $2,657 $3,658 $4,856
Florida $3,163 $4,297 $5,601
Georgia $2,579 $3,975 $4,078
Hawaii $1,030 $1,422 $1,030
Idaho $1,790 $2,409 $2,999
Illinois $1,873 $2,769 $3,211
Indiana $1,925 $3,008 $3,510
Iowa $1,524 $2,287 $2,665
Kansas $2,028 $2,986 $3,537
Kentucky $2,932 $4,410 $5,187
Louisiana $3,764 $5,752 $6,193
Maine $1,423 $1,909 $2,785
Maryland $2,303 $3,377 $3,988
Massachusetts $1,847 $3,123 $1,847
Michigan $4,457 $6,700 $10,302
Minnesota $1,835 $2,464 $3,648
Mississippi $2,215 $3,345 $3,534
Missouri $2,087 $2,874 $3,717
Montana $2,122 $3,320 $3,662
Nebraska $1,793 $2,539 $2,888
Nevada $2,958 $4,465 $4,899
New Hampshire $2,058 $3,317 $4,223
New Jersey $2,267 $3,575 $4,611
New Mexico $2,315 $3,332 $3,742
New York $2,145 $2,793 $4,508
North Carolina $1,329 $2,146 $1,654
North Dakota $1,819 $2,800 $3,555
Ohio $1,622 $2,653 $2,748
Oklahoma $2,590 $3,889 $4,411
Oregon $2,357 $3,560 $4,084
Pennsylvania $1,985 $3,002 $3,446
Rhode Island $3,315 $5,087 $5,818
South Carolina $2,251 $3,258 $4,649
South Dakota $2,020 $2,779 $3,334
Tennessee $2,375 $3,553 $4,483
Texas $2,392 $3,521 $4,420
Utah $2,035 $2,942 $4,058
Vermont $1,566 $2,505 $2,738
Virginia $1,476 $2,222 $2,361
Washington $1,953 $2,935 $3,461
West Virginia $1,966 $2,862 $3,535
Wisconsin $1,959 $2,861 $3,474
Wyoming $1,829 $2,688 $3,005

Other Important Costs of Owning a BMW 3 Series

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on BMW 3 Series depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.