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

  • Crash test ratings have an impact on BMW 3 Series auto insurance rates
  • The cost of insurance for a BMW 3 Series depends on the trim level
  • Safety features of the BMW 3 Series can earn you a car insurance discount

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.

BMW 3 Series Crash Test Ratings

The BMW 3 Series crash test ratingswill have an affect on BMW 3 Series car insurance rates. Take a look at crash test results for the BMW 3 Series.

BMW 3 Series Crash Test Ratings

Vehicle Tested Overall Frontal Side Rollover
2020 BMW 3 Series 4 DR RWD N/R N/R N/R N/R
2020 BMW 3 Series 4 DR AWD N/R N/R N/R N/R
2019 BMW 3 Series SW AWD 5 stars 4 stars 5 stars 5 stars
2019 BMW 3 Series GT 5 HB AWD 5 stars 4 stars 5 stars 5 stars
2019 BMW 3 Series 4 DR RWD N/R N/R N/R N/R
2019 BMW 3 Series 4 DR AWD N/R N/R N/R N/R
2018 BMW 3 Series SW AWD 5 stars 4 stars 5 stars 5 stars
2018 BMW 3 Series PHEV 4 DR RWD N/R N/R N/R N/R
2018 BMW 3 Series GT 5 HB AWD 5 stars 4 stars 5 stars 5 stars
2018 BMW 3 Series 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2018 BMW 3 Series 4 DR AWD 5 stars 4 stars 5 stars 5 stars
2017 BMW 3 Series SW AWD 5 stars 4 stars 5 stars 5 stars
2017 BMW 3 Series PHEV 4 DR RWD N/R N/R N/R N/R
2017 BMW 3 Series GT 5 HB AWD 5 stars 4 stars 5 stars 5 stars
2017 BMW 3 Series 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2017 BMW 3 Series 4 DR AWD 5 stars 4 stars 5 stars 5 stars
2016 BMW 3 Series SW AWD 5 stars 4 stars 5 stars 5 stars
2016 BMW 3 Series PHEV 4 DR RWD N/R N/R N/R N/R
2016 BMW 3 Series GT 5 HB AWD 5 stars 4 stars 5 stars 5 stars
2016 BMW 3 Series 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2016 BMW 3 Series 4 DR AWD 5 stars 4 stars 5 stars 5 stars

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Ways to Save on BMW 3 Series Insurance

If you want to reduce the cost of your BMW 3 Series insurance rates, follow these tips below:

  • Understand the different types of auto insurance for your BMW 3 Series
  • Don’t assume your BMW 3 Series is cheaper to insure than another vehicle. Compare. Compare. Compare.
  • Reduce modifications on your BMW 3 Series
  • Consider BMW 3 Series insurance costs before buying a BMW 3 Series
  • Tell your insurer how you use your BMW 3 Series

Top BMW 3 Series Insurance Companies

Several insurance companies offer competitive rates for the BMW 3 Series based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with BMW 3 Series drivers organized by market share.

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%

Comparing Free BMW 3 Series Insurance Quotes Online

You can compare quotes for BMW 3 Series auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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