BMW 3-Series insurance costs average $89 per month for minimum coverage and $173 monthly for full coverage. Depending on your particular trim and model year, costs can range from $44 for a 2004 BMW 3-Series to $396 for a 2017 BMW 3-Series monthly.
BMW 3-Series Insurance Cost
Updated: September 29, 2025
Key Takeaways
BMW 3-Series insurance costs range from $62 to $396 monthly depending on your chosen coverage level and specific model year.
The BMW 3-Series ranks 223rd out of 827 vehicle models for insurance affordability in the United States vehicle market.
GEICO offers the most affordable BMW 3-Series coverage with full protection starting at $135 monthly and minimum coverage at $62.
How Much Is BMW 3-Series Insurance?
| BMW 3-Series | $89 | $173 |
BMW 3-Series Insurance Cost by Model Year
Your BMW 3-Series insurance rates depend on your model year and available trim options. Newer models usually cost more to insure because they have higher fair values. Monthly premiums for BMW 3-Series vehicles range from $52 for older models to $276 for newer ones.
| 2025 | $118 | $231 |
| 2024 | $110 | $216 |
| 2023 | $90 | $177 |
| 2022 | $108 | $210 |
| 2021 | $95 | $186 |
| 2020 | $96 | $187 |
| 2019 | $81 | $159 |
| 2018 | $102 | $199 |
| 2017 | $142 | $276 |
| 2016 | $113 | $220 |
| 2015 | $85 | $164 |
| 2014 | $71 | $137 |
| 2013 | $80 | $155 |
| 2012 | $78 | $151 |
| 2011 | $88 | $170 |
| 2010 | $102 | $197 |
| 2009 | $98 | $189 |
| 2008 | $91 | $175 |
| 2007 | $83 | $161 |
| 2006 | $84 | $163 |
| 2005 | $80 | $154 |
| 2004 | $52 | $101 |
| 2003 | $69 | $134 |
| 2002 | $73 | $141 |
| 2001 | $69 | $132 |
| 2000 | $67 | $130 |
BMW 3-Series Insurance Cost by Trim
Your BMW 3-Series trim impacts insurance costs based on its features, rarity, desirability and market value. Our research shows monthly premiums range from $61 to $309 depending on your specific trim level, creating a substantial difference in annual insurance expenses.
| 323ci Coupe 2d | $61 | $117 |
| 325xit Wagon 4d | $63 | $122 |
| 323i Wagon 4d | $64 | $122 |
| 325cic Convertible 2d | $65 | $125 |
| 325i Sedan 4d | $65 | $125 |
| 323i Sedan 4d | $66 | $127 |
| 325it Wagon 4d | $67 | $129 |
| 325ci Coupe 2d | $68 | $130 |
| 323ci Convertible 2d | $68 | $131 |
| 325xit Awd Wagon 4d | $68 | $132 |
| 325xi Sedan 4d | $69 | $133 |
| 328ci Coupe 2d | $69 | $133 |
| 330cic Convertible 2d | $70 | $135 |
| 325xi Awd Sedan 4d | $70 | $136 |
| 320i Sedan 4d | $71 | $137 |
| 328i Coupe 2d | $71 | $137 |
| 330xi Awd Sedan 4d | $72 | $139 |
| 330xi Sedan 4d | $75 | $144 |
| 320i Xdrive Sedan 4d | $75 | $146 |
| 330ci Coupe 2d | $75 | $145 |
| 328xi Sedan 4d | $76 | $147 |
| 325ci Convertible 2d | $77 | $147 |
| 330i Sedan 4d | $77 | $149 |
| 328i Sedan 4d | $77 | $149 |
| 330ci Convertible 2d | $77 | $149 |
| 328xi Wagon 4d | $81 | $157 |
| 328i Xdrive Sedan 4d | $83 | $160 |
| 328i Gran Turismo Xdrive Sedan 4d | $83 | $162 |
| 328i Convertible 2d | $85 | $164 |
| 328xi Coupe 2d | $85 | $163 |
| 328i Xdrive Coupe 2d | $85 | $165 |
| 335i Sedan 4d | $86 | $166 |
| 330e Sedan 4d | $86 | $168 |
| Activehybrid 3 Sedan 4d | $86 | $168 |
| 335xi Sedan 4d | $87 | $168 |
| 335i Convertible 2d | $89 | $172 |
| 330i Xdrive Sedan 4d | $89 | $174 |
| 330e Xdrive Sedan 4d | $90 | $175 |
| 335i Coupe 2d | $90 | $174 |
| 325i Wagon 4d | $91 | $176 |
| 328i Xdrive Sport Wagon 4d | $91 | $177 |
| 335i Xdrive Coupe 2d | $93 | $180 |
| 335i Xdrive Sedan 4d | $93 | $180 |
| 328i Sport Wagon 4d | $93 | $181 |
| 330e Iperformance Sedan 4d | $94 | $182 |
| 325xi Wagon 4d | $94 | $181 |
| 335i Gran Turismo Xdrive Sedan 4d | $95 | $184 |
| 328d Sedan 4d | $95 | $184 |
| 328xi Sport Wagon 4d | $95 | $183 |
| 328d Xdrive Sedan 4d | $97 | $189 |
| 328i Wagon 4d | $97 | $188 |
| 335xi Coupe 2d | $100 | $193 |
| 330i Gran Turismo Xdrive Sedan 4d | $100 | $195 |
| 330i | $107 | $209 |
| 330e | $107 | $210 |
| 335is Convertible 2d | $110 | $213 |
| 328i Xdrive Wagon 4d | $111 | $215 |
| 330i Xdrive | $113 | $220 |
| 330e Xdrive | $113 | $221 |
| 335d Sedan 4d | $114 | $221 |
| M340i | $117 | $228 |
| M340i Sedan 4d | $120 | $234 |
| M340i Xdrive | $122 | $237 |
| M340i Xdrive Sedan 4d | $123 | $241 |
| 330i Xdrive Sport Wagon 4d | $125 | $244 |
| 335is Coupe 2d | $126 | $244 |
| 340i Sedan 4d | $136 | $265 |
| 328d Xdrive Sport Wagon 4d | $141 | $274 |
| 340i Gran Turismo Xdrive Sedan 4d | $142 | $277 |
| 340i Xdrive Sedan 4d | $159 | $309 |
Compare Personalized BMW 3-Series Insurance Costs
We've organized BMW 3-Series insurance costs by model year and trim for more accurate estimates.
Data filtered by:Results filtered by:
2000
Model Year:2000
323ci Coupe 2d
Trim:323ci Coupe 2d
| 323ci Coupe 2d | $61 | $117 |
BMW 3-Series Insurance Cost by Company
BMW 3-Series insurance costs range from $99 to $210 monthly across providers. Minimum coverage spans $62 to $137, while full coverage costs $135 to $299. Rates vary due to different risk assessment models.
| AAA | $101 | $210 |
| AIG | $122 | $299 |
| Allstate | $115 | $223 |
| Amica | $111 | $228 |
| Chubb | $110 | $217 |
| Farmers | $128 | $224 |
| GEICO | $62 | $135 |
| Kemper | $88 | $180 |
| Nationwide | $97 | $168 |
| Progressive | $95 | $178 |
| State Farm | $82 | $172 |
| The Hartford | $93 | $158 |
| Travelers | $78 | $144 |
| UAIC | $137 | $169 |
BMW 3-Series Insurance Cost by State
BMW 3-Series car insurance costs vary dramatically by state, ranging from $37 monthly in Wyoming to $375 in Louisiana for minimum coverage.
| Alabama | $76 | $143 |
| Alaska | $65 | $137 |
| Arizona | $104 | $194 |
| Arkansas | $70 | $155 |
| California | $84 | $171 |
| Colorado | $85 | $205 |
| Connecticut | $120 | $206 |
| Delaware | $122 | $205 |
| Florida | $113 | $260 |
| Georgia | $129 | $214 |
| Hawaii | $47 | $105 |
| Idaho | $47 | $96 |
| Illinois | $80 | $150 |
| Indiana | $56 | $110 |
| Iowa | $50 | $121 |
| Kansas | $64 | $148 |
| Kentucky | $110 | $186 |
| Louisiana | $176 | $375 |
| Maine | $46 | $96 |
| Maryland | $132 | $223 |
| Massachusetts | $92 | $194 |
| Michigan | $137 | $263 |
| Minnesota | $73 | $153 |
| Mississippi | $77 | $152 |
| Missouri | $105 | $209 |
| Montana | $67 | $157 |
| Nebraska | $64 | $146 |
| Nevada | $152 | $275 |
| New Hampshire | $62 | $109 |
| New Jersey | $143 | $235 |
| New Mexico | $72 | $161 |
| New York | $103 | $185 |
| North Carolina | $70 | $138 |
| North Dakota | $54 | $118 |
| Ohio | $66 | $127 |
| Oklahoma | $81 | $179 |
| Oregon | $102 | $179 |
| Pennsylvania | $77 | $180 |
| Rhode Island | $107 | $191 |
| South Carolina | $89 | $166 |
| South Dakota | $49 | $154 |
| Tennessee | $69 | $139 |
| Texas | $110 | $225 |
| Utah | $92 | $156 |
| Vermont | $40 | $97 |
| Virginia | $83 | $134 |
| Washington | $80 | $148 |
| West Virginia | $79 | $160 |
| Wisconsin | $57 | $126 |
| Wyoming | $37 | $114 |
BMW 3-Series Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, dramatically impacts BMW 3-Series insurance costs. Adult drivers between 26-64 enjoy the lowest rates at $131 monthly, while young drivers under 25 face the steepest premiums at $332 per month.
| Adult Drivers | $89 | $173 |
| Young Drivers | $228 | $437 |
| Senior Drivers | $119 | $218 |
| Drivers With a Speeding Ticket | $111 | $217 |
| Drivers With an Accident | $131 | $253 |
| Drivers With a DUI | $164 | $314 |
| Drivers With Bad Credit | $213 | $429 |
Is a BMW 3-Series Expensive to Insure?
You might be concerned about BMW insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a BMW 3-Series ranks 223rd out of 827, making it one of the more affordable cars to insure. Among midsize luxury coupes, the model ranks 1st out of 6.
| Bmw 3-series | $82 | $159 |
| Audi A5 | $84 | $164 |
| Mercedes E-Class | $84 | $165 |
| Infiniti G-Series | $88 | $171 |
| Mercedes CLK-Class | $89 | $171 |
| Mercedes C-Class | $91 | $178 |
Factors That Affect BMW Car Insurance Costs
Several factors influence what you'll pay for BMW 3-Series insurance coverage:
- Age (35 to 54 median): Established professionals receive lower rates than younger performance car buyers.
- Gender (64% male): Male ownership correlates with higher risk-taking behaviors in performance vehicles.
- Income ($116,550 to $140,000): Higher incomes support comprehensive coverage choices and lower claim frequencies due to better maintenance habits.
Average Repair or Replacement Costs
BMW ranks 33rd in repair affordability among 59 U.S. automakers with median annual costs of $1,423. BMW 3-Series repair costs average $1,323 annually, making it one of BMW's most affordable models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The BMW 3-Series ranges from 255 horsepower (330i) to 523 horsepower (M3 Competition xDrive), creating insurance premium variations.
Higher trim levels like the M340i (386 horsepower) and M3 models (473-523 horsepower) feature advanced performance technology, premium materials and specialized parts that increase repair costs and theft appeal.
Fuel Type
All BMW 3-Series models require premium unleaded gasoline with 91+ octane rating due to their turbocharged, high-compression engines. Using regular gas can cause engine knocking and performance issues, potentially leading to costly repairs that impact insurance claims frequency.
Premium fuel requirements add 20 to 40 cents per gallon to ownership costs compared to regular gasoline, but using lower octane fuel can void warranty coverage and create long-term engine problems.
Location
BMW 3-Series ownership concentrates heavily in affluent metropolitan areas, particularly California, the Northeast corridor, and major urban centers where luxury vehicle theft rates run higher. The vehicle's global appeal makes it a prime target for export-focused theft rings, especially M-performance variants.
Insurance costs vary dramatically by location, with urban areas seeing premiums 30-50% higher than suburban markets due to increased accident frequency, theft risk and repair shop availability.
Driver Profile
Most BMW 3-Series drivers are affluent professionals. This demographic typically maintains good credit scores and clean driving records, helping offset the vehicle's higher base insurance costs.
Driver demographics affect BMW 3-Series rates:
Cheapest BMW 3-Series Insurance Companies
BMW 3-series drivers looking for full coverage can expect to pay around $135 monthly with GEICO, making it the most affordable option among major insurers. For those who only need minimum coverage to meet state requirements, GEICO also leads with average premiums of $62 per month for 3-series owners.
| GEICO | $62 | $135 |
| Travelers | $78 | $144 |
| The Hartford | $93 | $158 |
| State Farm | $82 | $172 |
| Nationwide | $97 | $168 |
Cheapest BMW 3-Series Insurance by State
Our analysis found that these are the top three most affordable car insurance providers for a BMW 3-Series:
- GEICO: Offers the cheapest rates in 13 states
- Auto-Owners: Provides the lowest premiums in 12 states
- Travelers: Wins for affordability in five states
You can filter below to see which company offers the most affordable auto insurance rates for your BMW 3-Series in your specific location.
Data filtered by:Results filtered by:
Alabama
State:Alabama
| Alabama | Auto Owners | $56 |
How to Get the Best Cheap BMW 3-Series Insurance
Below we outline the top car insurance discounts available for your BMW 3-Series:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your BMW's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your BMW 3-Series, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that BMW 3 Series owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): BMW 3 Series owners' high household incomes (averaging $116,550) often mean multiple vehicles per household, making multi-car discounts from virtually all insurers a strong possibility for substantial savings.
- Bundling/Multi-Policy Discount (5% to 25% savings): With 90% homeownership rates among BMW buyers, 3 Series owners can bundle auto and home insurance for savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): BMW 3 Series owners' mature age profile (average 43-54 years) typically results in established driving records and fewer violations, qualifying them for good driver discounts from most insurers.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The BMW 3 Series earned NHTSA's five-star overall safety rating, and its standard Active Driving Assistant features help you avoid crashes. Many insurance companies will knock money off your bill for these advanced safety technologies.
- Professional/Alumni Discount (5% to 15% savings): BMW 3 Series buyers often work in professional careers requiring college degrees and earn well above average incomes. Many insurers offer discounts for professionals, alumni groups, and employees of specific companies in fields like engineering, finance, and technology.
- 5
Consider alternative car insurance types
BMW 3-Series owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your BMW 3-Series insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
BMW 3-Series Insurance Cost: Bottom Line
Insuring a BMW 3-Series costs less than average, despite heavier repair costs. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
BMW 3-Series Insurance Rates: FAQ
Here are answers to common questions about insuring a BMW 3-Series.
What is the average cost of car insurance for a BMW 3-Series?
The BMW 3-Series's average annual insurance cost is $1,070 yearly for state minimum and $2,074 for full coverage.
What company has the cheapest car insurance for a BMW 3-Series?
BMW 3-series drivers looking for full coverage can expect to pay around $135 monthly with GEICO, making it the most affordable option among major insurers. For minimum coverage, GEICO also leads with average premiums of $62 per month for 3-series owners.
Are BMW 3-Seriess expensive to insure?
No, BMW 3-Series insurance costs less than most cars. Out of 827 vehicles we track, the 3-Series ranks 223rd for affordability. Among midsize luxury coupes, this model is the most affordable.
What factors affect insurance costs for BMW 3-Seriess?
Several things drive up your BMW 3-Series rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer BMW-certified repair shops cost more.
How can I lower BMW 3-Series insurance costs?
Shop around with multiple insurers as rates vary for BMWs, and consider usage-based insurance programs that track your driving habits. Take advantage of BMW's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined BMW 3-Series Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate BMW 3-Series insurance costs.
Who We Based These Rates On
These BMW 3-Series prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.