BMW 3 Series Insurance Cost

Compared to the national average of about $1,770/yr, the BMW 3 Series at $2,280/yr is above average in insurance cost. As a luxury sedan, it falls within the typical range for its class.

The BMW 3 Series has a IIHS Top Safety Pick+ safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.

The BMW 3 Series has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.

Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.