Best BMW 3 Series Auto Insurance Rates 2021

The price of car insurance for the BMW 3 Series depends on a lot of factors. Among the things that can impact your BMW 3 Series car insurance rates are your driving history and where you live. Of course, the purchase price of the BMW 3 Series also affects car insurance rates, and that depends on trim level and options.

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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

  • The cost of insurance for a BMW 3 Series depends on the trim level
  • Safety features of the BMW 3 Series can earn you a car insurance discount
  • Crash test ratings have an impact on BMW 3 Series auto insurance rates

Buying a new car is both fun and a lot of work. If the BMW 3 Series is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a BMW 3 Series right here.

Take a look at what you can expect in terms of insurance rates for the BMW 3 Series and compare it to other similar vehicles. Then find out how the BMW 3 Series stacks up in terms of safety ratings and features, as well as what it costs to buy a BMW 3 Series right here.

If you need insurance for a BMW 3 Series right now, we can help. Enter your ZIP code for free BMW 3 Series car insurance quotes from top companies.

What impacts the cost of BMW 3 Series insurance?

The average annual rate for the BMW 3 Series is just that, an average. Your insurance rates for a BMW 3 Series can be higher or lower depending upon the trim level and personal factors. Those factors include your age, home address, driving history, and the model year of your BMW 3 Series.

BMW 3 Series Crash Test Ratings

The BMW 3 Series crash test ratingswill have an affect on BMW 3 Series car insurance rates. Take a look at crash test results for the BMW 3 Series.

BMW 3 Series Crash Test Ratings

Vehicle Tested Overall Frontal Side Rollover
2020 BMW 3 Series 4 DR RWD N/R N/R N/R N/R
2020 BMW 3 Series 4 DR AWD N/R N/R N/R N/R
2019 BMW 3 Series SW AWD 5 stars 4 stars 5 stars 5 stars
2019 BMW 3 Series GT 5 HB AWD 5 stars 4 stars 5 stars 5 stars
2019 BMW 3 Series 4 DR RWD N/R N/R N/R N/R
2019 BMW 3 Series 4 DR AWD N/R N/R N/R N/R
2018 BMW 3 Series SW AWD 5 stars 4 stars 5 stars 5 stars
2018 BMW 3 Series PHEV 4 DR RWD N/R N/R N/R N/R
2018 BMW 3 Series GT 5 HB AWD 5 stars 4 stars 5 stars 5 stars
2018 BMW 3 Series 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2018 BMW 3 Series 4 DR AWD 5 stars 4 stars 5 stars 5 stars
2017 BMW 3 Series SW AWD 5 stars 4 stars 5 stars 5 stars
2017 BMW 3 Series PHEV 4 DR RWD N/R N/R N/R N/R
2017 BMW 3 Series GT 5 HB AWD 5 stars 4 stars 5 stars 5 stars
2017 BMW 3 Series 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2017 BMW 3 Series 4 DR AWD 5 stars 4 stars 5 stars 5 stars
2016 BMW 3 Series SW AWD 5 stars 4 stars 5 stars 5 stars
2016 BMW 3 Series PHEV 4 DR RWD N/R N/R N/R N/R
2016 BMW 3 Series GT 5 HB AWD 5 stars 4 stars 5 stars 5 stars
2016 BMW 3 Series 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2016 BMW 3 Series 4 DR AWD 5 stars 4 stars 5 stars 5 stars

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Ways to Save on BMW 3 Series Insurance

Save more on your BMW 3 Series car insurance rates. Take a look at the following five strategies that will get you the best BMW 3 Series auto insurance rates possible.

  • Ask about retiree discounts
  • Pay your BMW 3 Series insurance upfront
  • Get cheaper BMW 3 Series car insurance rates as a full-time parent
  • Ask about seasonal insurance for your BMW 3 Series
  • Renew your BMW 3 Series insurance coverage to avoid lapses

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

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