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BMW 3 Series Car Insurance Cost

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Looking for a new or used BMW 3 Series? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

BMW 3 Series insurance facts

  • Average full coverage auto insurance premium: $188/month

  • Most affordable companies: Erie ($121/month) & State Farm ($136/month)

  • 3 Series car insurance cost vs. average rate: $14 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your BMW 3 Series by model year and auto insurer.

Below average BMW 3 Series insurer costs by state:

How much does it cost to insure my BMW 3 Series?

Select the year of your car:

2021 BMW 3 Series

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Average Cost to Insure Per Year

$2,259

List Price

$41,250

Trims Available

320i - 320i xDrive - 330i - 328d - 330i xDrive - 328d xDrive - 330i xDrive Gran Turismo - 330e iPerformance - 340i - 340i xDrive Gran Turismo - 340i xDrive - Engine: turbocharged 2.0-liter four-cylinder with 255 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes,Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist.

2020 BMW 3 Series

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Average Cost to Insure Per Year

$2,169

List Price

$40,750

Trims Available

320i - 320i xDrive - 330i - 328d - 330i xDrive - 328d xDrive - 330i xDrive Gran Turismo - 330e iPerformance - 340i - 340i xDrive Gran Turismo - 340i xDrive - Engine: turbocharged 2.0-liter four-cylinder with 255 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes,Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist.

2019 BMW 3 Series

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Average Cost to Insure Per Year

$1,976

List Price

$40,250

Trims Available

320i - 320i xDrive - 330i - 328d - 330i xDrive - 328d xDrive - 330i xDrive Gran Turismo - 330e iPerformance - 340i - 340i xDrive Gran Turismo - 340i xDrive - Engine: turbocharged 2.0-liter four-cylinder with 255 horsepower with advance and passive safety features: BMW Active Driving Assistant, collision avoidance technologies with forward-collision warning, pedestrian detection, low-speed automatic emergency braking, lane-departure warning, blind-spot warning, rear cross-traffic warning, Safety Features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes,Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor, Lane Departure Warning, and Lane Keeping Assist.

2018 BMW 3 Series

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Average Cost to Insure Per Year

$1,301

List Price

$34,900

Trims Available

320i - 320i xDrive - 330i - 328d - 330i xDrive - 328d xDrive - 330i xDrive Gran Turismo - 330e iPerformance - 340i - 340i xDrive Gran Turismo - 340i xDrive

2017 BMW 3 Series

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Average Cost to Insure Per Year

$1,629

List Price

$33,450

Trims Available

320i - 320i xDrive - 330i - 328d - 330i xDrive - 328d xDrive - 330e iPerformance - 330i xDrive Gran Turismo - 340i - 340i xDrive - 340i xDrive Gran Turismo

2016 BMW 3 Series

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Average Cost to Insure Per Year

$1,431

List Price

$33,150

Trims Available

320i - 320i xDrive - 328i - 328d - 328i xDrive - 328d xDrive - 328i xDrive Gran Turismo - 330e - 340i - 340i xDrive - 335i xDrive Gran Turismo

2015 BMW 3 Series

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Average Cost to Insure Per Year

$1,197

List Price

$32,950

Trims Available

320i - 320i xDrive - 328i - 328d - 328i xDrive - 328d xDrive - 328i xDrive Gran Turismo - 335i - 335i xDrive - 335i xDrive Gran Turismo - ActiveHybrid 3

2014 BMW 3 Series

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Average Cost to Insure Per Year

$1,271

List Price

$32,750

Trims Available

320i - 320i xDrive - 328i - 328d - 328i xDrive - 328d xDrive - 328i xDrive Gran Turismo - 335i - 335i xDrive - 335i xDrive Gran Turismo - ActiveHybrid 3

2013 BMW 3 Series

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Average Cost to Insure Per Year

$1,181

List Price

$32,550

Trims Available

320i - 320i xDrive - 328i - 328i xDrive - 335i - 335i xDrive - ActiveHybrid 3 - 335is

2012 BMW 3 Series

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Average Cost to Insure Per Year

$1,284

List Price

$34,900

Trims Available

328i - 328i xDrive - 335i - 335i xDrive - 335is

2011 BMW 3 Series

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Average Cost to Insure Per Year

$1,100

List Price

$34,600

Trims Available

328i - 328i xDrive - 335i - 335i xDrive - 335d - 335is

Risk factors affecting BMW 3 Series car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on BMW 3 Series car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all BMW models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

BMW Luxury Automobile Brand

BMW is a German automobile manufacturer and owner of the MINI brand, producing luxury vehicles for the United States and other international markets. The target market of BMW is the affluent class of modern urban consumers. All BMW's automobiles have high safety ratings, with many of their vehicles getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The BMW 3 Series, Z4, and X5 are some of their most popular vehicles.

Higher than average 3 Series repair costs equal higher car insurance rates

Many consumers are attracted to the BMW luxury, comfort, safety, and driver-assist technologies, like BMW's driver assistance system. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing a BMW is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many BMWs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for BMW 3 Series affecting auto policies

Another factor to consider for BMW's, is they depreciate rapidly (notably higher-end luxury BMW models), affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all BMW models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

BMW's are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in BMW models. The BMW 3 series, five series, X3, and X5 are Insurance Institute for Highway Safety (IIHS) "Top Safety Picks," and the NHTSA consistently gives BMW top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

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