Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average BMW 3 Series insurer costs by state:

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.

2021 BMW 3 Series

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2518
Allstate$2316
American Family$1765
Erie$1580
GEICO$2057
Kentucky Farm Bureau$2461
Liberty Mutual$1920
Mercury$2248
Nationwide$2390
Progressive$1954
Safeco$2547
State Farm$1643
Tennessee Farmers$2169
Texas Farm Bureau$2046
The Hanover$2490
Travelers$2342
USAA$1834

Compare all 2021 BMW 3 Series rates

Average Cost to Insure Per Year

$2259

List Price

$41250

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2254
Allstate$1899
American Family$1406
Erie$1380
GEICO$1726
Kentucky Farm Bureau$2094
Liberty Mutual$1589
Mercury$1864
Nationwide$2040
Progressive$1636
State Farm$1465
Tennessee Farmers$1780
Texas Farm Bureau$1694
The Hanover$2160
Travelers$1964
USAA$1527

Compare all 2020 BMW 3 Series rates

Average Cost to Insure Per Year

$2169

List Price

$40750

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2245
Allstate$1840
American Family$1394
Erie$1365
GEICO$1652
Kentucky Farm Bureau$2059
Liberty Mutual$1487
Mercury$1765
Nationwide$2046
Progressive$1529
State Farm$1425
Tennessee Farmers$1725
Texas Farm Bureau$1583
The Hanover$2139
Travelers$1931
USAA$1463

Compare all 2019 BMW 3 Series rates

Average Cost to Insure Per Year

$1976

List Price

$40250

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1486
Acuity$ 1486
Allied$ 1425
Allied$ 1425
American Family$ 1601
American Family$ 1601
Erie$ 906
Erie$ 906
GEICO$ 927
GEICO$ 927
Nationwide$ 1080
Nationwide$ 1080
Plymouth Rock Insurance$ 1475
Plymouth Rock Insurance$ 1475
Progressive$ 961
Progressive$ 961
State Farm$ 1016
State Farm$ 1016
Tennessee Farmers$ 1194
Tennessee Farmers$ 1194
USAA$ 1083
USAA$ 1083
Vermont Mutual$ 1583
Vermont Mutual$ 1583

Compare all 2018 BMW 3 Series rates

Average Cost to Insure Per Year

$ 1301

List Price

$ 34900

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1446
Acuity$ 1446
Allied$ 1410
Allied$ 1410
Country$ 1592
Country$ 1592
Erie$ 906
Erie$ 906
GEICO$ 974
GEICO$ 974
Nationwide$ 1254
Nationwide$ 1254
Plymouth Rock Insurance$ 1409
Plymouth Rock Insurance$ 1409
Progressive$ 1095
Progressive$ 1095
State Farm$ 1121
State Farm$ 1121
Tennessee Farmers$ 1427
Tennessee Farmers$ 1427
USAA$ 1259
USAA$ 1259
Vermont Mutual$ 1468
Vermont Mutual$ 1468

Compare all 2017 BMW 3 Series rates

Average Cost to Insure Per Year

$ 1629

List Price

$ 33450

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1407
Acuity$ 1407
Allied$ 1423
Allied$ 1423
American Family$ 1500
American Family$ 1500
Erie$ 833
Erie$ 833
GEICO$ 855
GEICO$ 855
Nationwide$ 1152
Nationwide$ 1152
Plymouth Rock Insurance$ 1382
Plymouth Rock Insurance$ 1382
Progressive$ 1067
Progressive$ 1067
State Farm$ 1056
State Farm$ 1056
Tennessee Farmers$ 1222
Tennessee Farmers$ 1222
USAA$ 1049
USAA$ 1049
Vermont Mutual$ 1425
Vermont Mutual$ 1425

Compare all 2016 BMW 3 Series rates

Average Cost to Insure Per Year

$ 1431

List Price

$ 33150

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1347
Acuity$ 1347
American Family$ 1306
American Family$ 1306
Country$ 1397
Country$ 1397
Erie$ 761
Erie$ 761
GEICO$ 753
GEICO$ 753
Nationwide$ 1045
Nationwide$ 1045
Plymouth Rock Insurance$ 1324
Plymouth Rock Insurance$ 1324
Progressive$ 892
Progressive$ 892
State Farm$ 862
State Farm$ 862
Tennessee Farmers$ 1320
Tennessee Farmers$ 1320
USAA$ 907
USAA$ 907
Vermont Mutual$ 1356
Vermont Mutual$ 1356

Compare all 2015 BMW 3 Series rates

Average Cost to Insure Per Year

$ 1197

List Price

$ 32950

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1308
Acuity$ 1308
American Family$ 1335
American Family$ 1335
Country$ 1448
Country$ 1448
Erie$ 784
Erie$ 784
GEICO$ 766
GEICO$ 766
Nationwide$ 1164
Nationwide$ 1164
Plymouth Rock Insurance$ 1276
Plymouth Rock Insurance$ 1276
Progressive$ 948
Progressive$ 948
State Farm$ 933
State Farm$ 933
Tennessee Farmers$ 1323
Tennessee Farmers$ 1323
USAA$ 926
USAA$ 926
Vermont Mutual$ 1292
Vermont Mutual$ 1292

Compare all 2014 BMW 3 Series rates

Average Cost to Insure Per Year

$ 1271

List Price

$ 32750

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1279
Acuity$ 1279
American Family$ 1276
American Family$ 1276
Country$ 1406
Country$ 1406
Erie$ 762
Erie$ 762
GEICO$ 722
GEICO$ 722
Nationwide$ 1115
Nationwide$ 1115
Plymouth Rock Insurance$ 1278
Plymouth Rock Insurance$ 1278
Progressive$ 927
Progressive$ 927
State Farm$ 864
State Farm$ 864
Tennessee Farmers$ 1318
Tennessee Farmers$ 1318
USAA$ 848
USAA$ 848
Vermont Mutual$ 1309
Vermont Mutual$ 1309

Compare all 2013 BMW 3 Series rates

Average Cost to Insure Per Year

$ 1181

List Price

$ 32550

Trims Available

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

2012 BMW 3 Series

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1261
Acuity$ 1261
Allstate$ 1419
Allstate$ 1419
American Family$ 1298
American Family$ 1298
Erie$ 777
Erie$ 777
GEICO$ 764
GEICO$ 764
Nationwide$ 1150
Nationwide$ 1150
Plymouth Rock Insurance$ 1252
Plymouth Rock Insurance$ 1252
Progressive$ 1099
Progressive$ 1099
State Farm$ 906
State Farm$ 906
Tennessee Farmers$ 1361
Tennessee Farmers$ 1361
USAA$ 847
USAA$ 847
Vermont Mutual$ 1272
Vermont Mutual$ 1272

Compare all 2012 BMW 3 Series rates

Average Cost to Insure Per Year

$ 1284

List Price

$ 34900

Trims Available

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

2011 BMW 3 Series

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1269
Allstate$ 1269
American Family$ 1076
American Family$ 1076
Country$ 1189
Country$ 1189
Erie$ 673
Erie$ 673
GEICO$ 623
GEICO$ 623
Nationwide$ 1006
Nationwide$ 1006
Plymouth Rock Insurance$ 1191
Plymouth Rock Insurance$ 1191
Progressive$ 958
Progressive$ 958
State Farm$ 784
State Farm$ 784
Tennessee Farmers$ 1155
Tennessee Farmers$ 1155
USAA$ 748
USAA$ 748
Vermont Mutual$ 1066
Vermont Mutual$ 1066

Compare all 2011 BMW 3 Series rates

Average Cost to Insure Per Year

$ 1100

List Price

$ 34600

Trims Available

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