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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 24, 2021

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Things to Remember

  • Crash test ratings have an impact on BMW 3-Series auto insurance rates
  • The BMW 3-Series has safety features that include Driver Air Bag and Cross-Traffic Alert
  • Safety features of the BMW 3-Series can earn you a car insurance discount

If you’re looking to buy a BMW 3-Series, you will want to know the details first. We’ve put together information on insurance for the BMW 3-Series to help you get an idea of costs. We’ve also gathered other cost information, including how much a BMW 3-Series will run you.

Read on to learn all about the BMW 3-Series including MSRP, safety features and crash test ratings, and more. You’ll be able to buy your new BMW 3-Series with confidence.

To see fast, free BMW 3-Series insurance quotes right now, just enter your ZIP code above. We’ll provide you with personal BMW 3-Series insurance rate from top companies right away.

What impacts the cost of BMW 3-Series insurance?

As with any car, your BMW 3-Series car insurance costs will be affected by personal factors like where you live, your driving record, and your driving habits. The BMW 3-Series trim level you buy will also have an impact on the total price you will pay for BMW 3-Series insurance coverage.

BMW 3-Series Safety Features

BMW 3-Series safety features can lower the cost of your insurance. The safety features for the BMW 3-Series include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

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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:

  • Reduce modifications on your BMW 3-Series
  • Check your BMW 3-Series policy carefully to ensure all information is correct
  • Understand the different types of auto insurance for your BMW 3-Series
  • Ask about farm and ranch vehicle discounts
  • Make sure you use an accredited driver safety program

Top BMW 3-Series Insurance Companies

Several insurance companies offer competitive rates for the BMW 3-Series based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with BMW 3-Series drivers organized by market share.

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%

Comparing Free BMW 3-Series Insurance Quotes Online

You can start comparing quotes for BMW 3-Series insurance from some of the top car insurance companies by using our free online tool today.

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