BMW 3 Series Auto Insurance Rates

BMW 3 Series auto insurance rates vary by location and can be as low as $57 in Nebraska while nearly doubling to $109 in nearby Kansas. The cheapest BMW 3 Series auto insurance is with MetLife. To get the best deal on car insurance for a BMW 3 Series, compare rates from multiple companies.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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The BMW 3 Series vehicles are some of BMW’s best-selling cars. So you are far from the only person looking for a deal on car insurance for a BMW 3 Series. BMW auto insurance can be expensive. Lucky for you, there’s strength in numbers; this is especially true when it comes to your monthly car insurance premiums.

But that’s not the only way you can save money on your BMW 3 Series auto insurance. We have some other tips, tricks, and suggestions you may want to think about listed here on this page.

If you’d rather start looking for affordable BMW 3 Series auto insurance rates right now, we can help. Enter your ZIP code above to compare free BMW 3 Series auto insurance quotes now.

A Brief History of the BMW 3 Series

The BMW 3 Series has a long and storied past dating all the way back to 1975. Currently, this series of vehicles is in its sixth generation of production. Today, the BMW 3 Series is an umbrella term covering 4-door sedans, 2-door convertibles, 2-door coupes, 5-door station wagons, and 5-door hatchbacks.

In 2013, the BMW 3 Series discontinued production of the coupe and convertible body styles, producing them instead under the BMW 4 Series. The 3 Series still includes sedans, station wagons, and hatchbacks.

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BMW 3 Series in the News

The BMW 3 Series contains some of the most popular vehicles in the entire BMW Fleet. As a matter of fact, according to internet algorithms, the BMW 3 Series is one of the most popular search terms across many different search engines in countries all over the world.

The 3 series is also tough competition for Mercedes, an auto manufacturer who is constantly turning out new and improved models in order to compete with BMW. Sales, however, still fall in BMW’s favor.

Comparing BMW 3 Series Auto Insurance

Do you live in a luxurious area that matches your luxurious BMW? Low population areas, cities with moderate amounts of traffic, and zip codes with low crime rates will all help you get a better deal on what would otherwise be very expensive BMW 3 Series auto insurance.

As you can see in the chart below, rates vary greatly from state-to-state. They could also vary significantly between zip codes, even if they’re within a few miles of each other.

BMW 3 Series Car Insurance by StateLegend: BMW 3 Series MissouriKansasNebraskaRhode IslandOregon 102030405060708090100$91$109$57$99$83

Have you compared quotes for car insurance on a BMW 3 Series from several different companies yet? If not, then there’s a very good chance you are not getting the best deal. Car insurance companies make the process of getting a quote hard in part because they hope that you will get tired of answering so many questions and settle for the price they quote you.

But unless you compare rates among different companies, you could end up spending up to 36% more or higher for your premiums then you would if you had shopped around a little longer. Find the cheapest BMW 3 Series auto insurance company by comparing.

BMW 3 Series Auto Insurance by CompanyLegend: BMW 3 Series Farmers AlliedNationwideAllstateMetLife 153045607590105120135150165$116$133$149$165$86

The age of your vehicle matters a great deal when purchasing a new car insurance policy for it. Older cars typically cost less to insure because they are less expensive to replace in the event of a total loss Collision. It is also easier to find parts for them, and body damage tends not to cost as much to repair.

However, as you can see in the chart, not all auto insurance companies feel the same way. Certain insurance providers would rather offer lower prices to people with newer cars, especially those with advanced safety features which make it less likely for you to get into an accident in the first place. You’re also less likely to sustain serious injuries or expensive damages in the event of a collision if you own a newer car.

New vs. Used BMW 3 Series Car InsuranceLegend: Brand New 3 Series Older 3 Series Farmers AlliedNationwideAllstateEncompass 153045607590105120135150165180195210225$154$134$131$141$166$175$231$163$194$132

Odds are, if you’re financially well enough off to afford a BMW, then you probably already meet many of your insurance company’s requirements for a discounted monthly rate. But that doesn’t mean you shouldn’t strive to do better. You can compare quotes quickly and easily using our website right now, absolutely free. Just type your zip code into our quote generator and start saving money today.

Other Popular Models From BMW

Ready to buy BMW 3 Series auto insurance but want to get the best deal? You can find cheap auto insurance for your BMW 3 Series right here. Just enter your ZIP code to get started.

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