2020 BMW 3 Series Insurance Cost

The BMW 3 Series carries a IIHS Top Safety Pick+ safety rating. While this model year may lack some newer safety technologies, it still offers solid crash protection.

At 6 years old, evaluate whether comprehensive and collision coverage is worth it. If the car's value is below $5,000, the premiums might exceed the potential payout. Consider liability-only coverage.

Older vehicles are cheaper to insure because they've depreciated significantly. The lower replacement value means insurers pay out less on total loss claims.

Compare quotes from multiple carriers (Truvo compares 40+ for free), raise your deductible to $1,000, maintain a clean driving record, bundle policies, and take advantage of discounts for safety features, low mileage, or good student status.