2022 BMW 3 Series Insurance Cost
The 2022 BMW 3 Series averages $2,050/yr in annual insurance premiums. At 4 years old, this luxury sedan costs $230 less than the model's overall average of $2,280/yr.
Quote My 2022 3 Series$2,050/yr
Avg. Annual Insurance
IIHS Top Safety Pick+
Safety Rating
High
Theft Risk
Luxury Sedan
Body Type
4 years old
Vehicle Age
Insurance Tips for Your 2022 BMW 3 Series
At 4 years old, the 2022 3 Series has depreciated enough that you might consider dropping comprehensive coverage if the car's value is low — but check your loan requirements first.
The 3 Series has a high theft risk. Installing an anti-theft device or GPS tracker can qualify you for a 5-15% discount on comprehensive coverage.
With a IIHS Top Safety Pick+ safety rating, ask your insurer about safety feature discounts — many carriers offer 5-10% off for vehicles with advanced driver assistance systems.
Bundle your auto and home (or renters) insurance to save 10-25% on both policies.
Compare quotes from at least 3-5 carriers. Rates for the same vehicle can vary by $500+ between companies.
Frequently Asked Questions
How much does 2022 BMW 3 Series insurance cost?
A 2022 BMW 3 Series costs an average of $2,050/yr to insure. This is $230 less than the model's overall average of $2,280/yr because older vehicles have lower replacement values.
Is the 2022 BMW 3 Series safe?
The BMW 3 Series carries a IIHS Top Safety Pick+ safety rating. Recent model years include advanced safety features like automatic emergency braking, lane departure warning, and adaptive cruise control, which can help lower your premium.
Should I get full coverage on a 2022 BMW 3 Series?
It depends on your car's current value. A 4 years old 3 Series has depreciated but may still be worth protecting with full coverage, especially if you have a loan.
Why is 2022 BMW 3 Series insurance cheaper than average?
Older vehicles are cheaper to insure because they've depreciated significantly. The lower replacement value means insurers pay out less on total loss claims.
How can I save on my 2022 BMW 3 Series insurance?
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.
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