Best BMW 3 series Auto Insurance Rates 2021

The price of car insurance for the BMW 3 series depends on a lot of factors. Among the things that can impact your BMW 3 series car insurance rates are your driving history and where you live. Of course, the purchase price of the BMW 3 series also affects car insurance rates, and that depends on trim level and options.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Nov 24, 2021

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Things to Remember

  • Safety features of the BMW 3 series can earn you a car insurance discount
  • Crash test ratings have an impact on BMW 3 series auto insurance rates
  • The MSRP of the BMW 3 series is $41,450

If you’re looking to buy a BMW 3 series, you will want to know the details first. We’ve put together information on insurance for the BMW 3 series to help you get an idea of costs. We’ve also gathered other cost information, including how much a BMW 3 series will run you.

Read on to learn all about the BMW 3 series including MSRP, safety features and crash test ratings, and more. You’ll be able to buy your new BMW 3 series with confidence.

To see fast, free BMW 3 series insurance quotes right now, just enter your ZIP code above. We’ll provide you with personal BMW 3 series insurance rate from top companies right away.

What impacts the cost of BMW 3 series insurance?

The average annual rate for the BMW 3 series is just that, an average. Your insurance rates for a BMW 3 series can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your BMW 3 series.

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How much is the BMW 3 series?

The MSRP for a BMW 3 series is listed as $41,450. Of course, this cost will vary depending on the trim level of the BMW 3 series you choose and any dealer incentives that might be available to you.

BMW 3 series Safety Ratings

The cost of BMW 3 series auto insurance rates depend in part on the BMW 3 series safety ratings. See how the BMW 3 series is rated for safety here.

BMW 3 series Safety Ratings

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof Good
Head restraints & seats Good

Ways to Save on BMW 3 series Insurance

Save more on your BMW 3 series car insurance rates. Take a look at the following five strategies that will get you the best BMW 3 series auto insurance rates possible.

  • Check reviews and state complaints before you choose an insurer
  • Be picky about who drives your BMW 3 series
  • Move to an area with a lower cost of living
  • Consider ride sharing services to lower your BMW 3 series mileage
  • Ask about BMW 3 series low mileage discounts

Top BMW 3 series Insurance Companies

What is the best company for affordable BMW 3 series insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering BMW 3 series insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the BMW 3 series.

Largest Auto Insurers by Market Share

Rank Company Volume Market Share
1 State Farm $66,153,063 9.1%
2 GEICO $46,358,896 6.4%
3 Progressive $41,737,283 5.7%
4 Allstate $39,210,020 5.4%
5 Liberty Mutual $36,172,570 5.0%
6 Travelers $28,786,741 4.0%
7 USAA $24,621,246 3.4%
8 Chubb $24,199,582 3.3%
9 Farmers $20,083,339 2.8%
10 Nationwide $18,499,967 2.5%

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Comparing Free BMW 3 series Insurance Quotes Online

You can start comparing quotes for BMW 3 series insurance from some of the top car insurance companies by using our free online tool today.

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