Compare providers in your area.
Your information is secure
We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a BMW 3 Series is $201.15 — or $2,413.80 annually. However, your actual costs depend on your driving history, vehicle model, ZIP and other factors. And some older models may cost more to insure than others depending on which safety features your vehicle has and which insurer you choose.
| Model Year | Progressive | Geico | State Farm | Farmers | Average |
|---|---|---|---|---|---|
| 2011 BMW 3 | $143.25 | $116.88 | $178.37 | $160.25 | $149.69 |
| 2016 BMW 3 | $131.41 | $138.84 | $220.74 | $204.60 | $173.90 |
| 2021 BMW 3 | $151.58 | $171.40 | $245.07 | $236.55 | $201.15 |
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
Your rates may be different based on details such as your age, job type, annual mileage and more.
Compare providers in your area.
Your information is secure
Shopping for auto insurance is an unavoidable drawback of owning a vehicle. Almost all 50 states require auto insurance, so while you won’t be able to forego coverage, you can save a lot of money if you know what to look for.
Here are a few factors to consider when you’re shopping around.
While your driving history, location and other variables can influence the cost of insurance, the vehicle you drive has a considerable impact. This is because each vehicle has different repair costs, theft rates, performance and so on. Here’s how the BMW 3 Series’ characteristics could affect the cost of insurance.
The BMW 3 achieves lower insurance rates than other sports sedans, possibly because of its 5-star safety and lower price tag for a luxury ride. A low price tag means that your insurance company will pay less to replace the car after an accident.
| Models similar to BMW 3 Series | Monthly insurance cost | Car value | Safety rating by NHTSA | Theft rate |
|---|---|---|---|---|
| BMW 3 Series | $201.15 | $42,245 | 5-star | Not available |
| Audi S6 | – | $75,445 | Not rated | 0 |
| BMW 7 Series | $265.79 | $87,795 | Not rated | Not available |
| 2020 Lexus GS F | – | $86,035 | Not rated | 0.88 |
| Mercedes-Benz CLS Class | $270.11 | $71,350 | Not rated | 0.72 |
We found safety ratings and theft rates from the National Highway Traffic Safety Administration (NHTSA). Theft rates are not available for all models or model years. We also found 2021 car values from Car and Driver’s car model reviews.
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the BMW 3 Series:
Insurance providers consider your risk of filing claims and the cost of paying them out when calculating your insurance premiums. Since every vehicle is different, the make and model you drive can directly influence your chances of filing a claim.
But beyond your actual vehicle, the trim package you choose can affect performance and safety — all important details to disclose when getting quotes. Based on the standard 320i RWD model, here’s how various build options could affect your insurance rates.
You could save money on car insurance for your BMW 3 Series if it comes equipped with these safety features.
According to U.S. News and J.D Power, the 2018 BMW 3 Series received a 3.5/5 star rating for reliability. This is slightly better than most vehicles in its class, but your experience may vary depending on numerous factors.
The BMW 3 series has been in production since 1975, but there are very few recalls despite its lengthy production history.
Since there have been so many models and variants of the BMW 3 Series, it’s tough to pinpoint the most common issues. With that being said, the 320, which is one of the more common models, has a history of engine and transmission issues, especially on 2013 and 2014 versions.
As a luxury vehicle manufacturer, BMW strives to provide a comfortable and convenient driving experience. Many BMWs are considered quite reliable and do not require much maintenance to keep them on the road.
However, considering that the 3 Series is a high-end vehicle, routine service appointments can help ensure your vehicle operates as it should. Here’s what to expect in terms of oil changes, maintenance schedules, mileage and more.
The 3 Series comes with BMW’s four-year/50,000-mile new vehicle warranty that covers problems due to defective parts or improper service. New vehicles also come with a special corrosion warranty along with free roadside assistance.
If you’d like to increase your coverage, the extended warranty is available in multiple terms ranging from five to seven years. By purchasing the extended warranty, you’ll receive service from certified BMW technicians, OEM part replacements, mechanical breakdown towing and more.
Additionally, eligible 3 Series vehicles come with BMW Ultimate Care, which is a three-year/36,000-mile complimentary maintenance plan. There are other extended maintenance plans available for an extra fee.
Like many other BMW vehicles, the 3 series holds great safety ratings in almost every category. It was the IIHS 2018 top safety pick and it received the highest possible ratings in most crashworthiness tests. According to U.S News and J.D Power, the 2018 3 series was awarded an impressive safety rating of 9.5/10.
The BMW 3 Series model has been around since 1975. The 3 Series model accounts for approximately 30% of BMW’s total annual sales, making it the top-selling BMW model.
In 2016, there were over 106,000 models sold in the United States. The 2017 model was awarded Top Safety Pick+ by the Insurance Institute of Highway Safety and given a 5-Star Overall Rating from the National Highway Safety Administration.
The BMW 3 Series is now available in a plug-in electric-hybrid version. The average annual car insurance cost for the 330e is $1,171, depending on your unique driver and vehicle factors.
The 330e iPerformance Plug-In Hybrid model features 65 city and 77 highway MPG in hybrid mode and about 17 miles of range in full electric mode. Regenerative braking plus optional charging keep fuel costs low.
The BMW 3 Series first debuted in the U.S. in 1977, with the E21. Known as a sport sedan, the BMW 3 Series today has something for just about everyone. For the 2022 3 Series model year, you can choose from a core model, performance model, and an electrified trim. Over the decades the 3 Series continues to draw in luxury buyers in need of a stylish sedan.
All 2022 3 Series models are available in rear-wheel and all-wheel drive, and all hit 60 mph in under six seconds. The base 330i begins at $41,450, which isn’t bad for a luxury sedan.
If you crave performance, the M340i starts at $54,700. For green buyers, an electrified 330e Sedan will run you $42,950.
Both the 330i and the 330e come with a 2.0-liter BMW TwinPower Turbo inline four-cylinder, and the electric is equipped with an integrated rear-wheel drive electric motor. The M340i, though, comes with a 3.0-liter BMW M TwinPower Turbo inline 6-cylinder, which boasts 382 horsepower. All engines have an eight-speed automatic transmission, and if you want all-wheel drive, it’s an extra $2,000.
Starting at around $41,000, the BMW 3 Series is an impressive luxury sedan that’s available in multiple styles. While its great safety and driver assistance features make it a great daily driver, build options allow you to customize the vehicle to suit your needs. However, the model and options you choose can affect the cost of insurance, so you should compare your options to find out how much coverage for your 3 series will cost.
APY stands for “annual percentage yield” and factors in compound interest. See why the difference between APY and interest matters so much.
Interest-bearing accounts passively grow your money. Compare common types of accounts that earn interest and find the best one for you.
Try to keep enough money in your checking account to cover monthly expenses, plus a small cushion. Read more tips here.
The Chime Credit Builder Card can help you build credit without charging interest and doesn’t require a deposit or monthly fee.
Explore cash advance apps like Ualett, perfect for gig workers looking for quick funding, budgeting support and flexible borrowing options.
A review of CashUSA, a loan connection service that may match you with lenders offering loans up to $10,000.
Explore different ways you could earn money playing games with GPT apps, Twitch streaming, esports competitions, and trading cards.
Compare highly rated and legit survey sites for your next side hustle, how to maximize your survey earnings, and how to avoid scams.
Learn how to become user tester, how much you can earn, top platforms for user testing, and how to avoid scams.
Learn how to earn money through trusted online surveys, including top platforms, practical tips, and some red flags to watch out for.