Best BMW 3 Series Auto Insurance Rates 2021

Auto insurance for the BMW 3 Series will vary a lot, because it's based on personal factors like your driving habits, where you live, and how much you drive. The BMW 3 Series has numerous safety features that can help reduce car insurance rates. To find the best deal on BMW 3 Series auto insurance, it's best to compare multiple companies.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 17, 2021

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Things to Remember

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

Buying a new car is both fun and a lot of work. If the BMW 3 Series is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a BMW 3 Series right here.

Take a look at what you can expect in terms of insurance rates for the BMW 3 Series and compare it to other similar vehicles. Then find out how the BMW 3 Series stacks up in terms of safety ratings and features, as well as what it costs to buy a BMW 3 Series right here.

If you need insurance for a BMW 3 Series right now, we can help. Enter your ZIP code for free BMW 3 Series car insurance quotes from top companies.

Are vehicles like the BMW 3 Series expensive to insure?

Take a look at how insurance rates for similar models to the BMW 3 Series look. These insurance rates for other sedans like the Dodge Avenger, Volvo 780, and Dodge Intrepid give you a good idea of what to expect.


Insurance Rates for Vehicles Similar to the BMW 3 Series

Vehicle Comprehensive Collision Liability Total
Ford Fusion Energi $336 $626 $372 $1,492
Nissan Sentra $266 $594 $372 $1,390
Cadillac ATS $294 $566 $398 $1,416
Lincoln MKS $332 $640 $364 $1,472
Ford Fusion Hybrid $322 $656 $466 $1,644
Chevrolet Cruze $308 $594 $372 $1,432
Audi S6 $444 $894 $398 $1,894
Chevrolet Blazer $376 $688 $316 $1,516

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What impacts the cost of BMW 3 Series insurance?

The BMW 3 Series trim and model you choose can impact the total price you will pay for BMW 3 Series insurance coverage.
You can also expect your BMW 3 Series rates to be affected by where you live, your driving history, and in most states your age and gender.

BMW 3 Series Crash Test Ratings

Good BMW 3 Series crash test ratings can lower your BMW 3 Series auto insurance rates. You can see BMW 3 Series crash test results here.

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

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:

  • Ask for a BMW 3 Series discount if you have a college degree
  • Buy a dashcam for your BMW 3 Series
  • Consider using a tracking device on your BMW 3 Series
  • Avoid the temptation to file a claim for minor incidents
  • Pay your BMW 3 Series insurance upfront

Top BMW 3 Series Insurance Companies

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

Are you looking for free insurance quotes?

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