Cost of Car Insurance for a BMW 3 Series

The average BMW 3 Series car insurance rates are $108/mo. You may see lower car insurance rates because the new BMW 3 Series models have an exceptional vehicle alarm system that significantly reduces the chance of theft.

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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® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • The BMW 3 Series is equipped with a plethora of safety features
  • The average BMW 3 Series car insurance rates are $108/mo.
  • This vehicle received top scores in crash tests
  • Years ago, people were leery of buying a European-made car. These fears have dissipated in recent years

Do you know how much car insurance for a BMW 3 Series is? Well, did you know that choosing to buy a new BMW 3 Series could save you more in insurance costs compared to buying a used BMW 3 Series?

Many people wonder what the differences between used BMW insurance costs, and the cost of insurance on a new BMW. Either way, we are here to help you with the decision!

Read on to learn all about BMW car insurance and especially BMW 3 Series car insurance costs so you can find out approximately how much you will pay for auto insurance coverage on your BMW.

Of course, rates can vary greatly from one area of the country to another and from one driver to the next so be sure to enter your ZIP code above for FREE a quote comparison.

What are some factors that affect my car insurance rates?

Do you ever wonder, “How much is car insurance for a BMW?”

Specific BMW car insurance quotes greatly rely on the driver, type of vehicle, location where the vehicle will be driven, and purpose the vehicle will be driven.

Questions arise like:

  • Does the driver have a history of accidents and law infringement?
  • Is the vehicle designed for racing?
  • What is the overall vehicle type history?
  • Is vehicle garage kept?
  • What is the safety record of the geographic area?
  • Is the vehicle driven daily?
  • Is the vehicle driven for company use?

As always, it is highly recommended to shop around in order to find the BMW insurance rates and plans that best matches the needs of the owner.

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European Auto Insurance Rates

Historically, American consumers have shied away from purchasing vehicles manufactured in Europe for three primary reasons.

  1. A major concern has been the cost and difficulty in finding replacement parts.
  2. Second, the purchase price of the vehicle has reflected the import tariffs and the general cost of shipping a vehicle from a European plant to a sales lot somewhere in the interior of the United States. For this reason, the cost of owning a BMW 3 Series could be affected by car insurance!
  3. These first two reasons culminate into a third fear that the cost of insurance would be unreasonably high. And, while this made perfect sense 30 years ago, our new global economy has enabled products like the BMW 3 Series to match the affordability of its American competition.

Specifically with the cost of insurance for a BMW 3 Series, the German auto manufacturers have been at the forefront of developing safety technologies which have a tremendous impact in the reduction of insurance rates.

What are the safety ratings of the BMW 3?

According to US News, the Insurance Institute for Highway Safety gave the 2016 BMW 3 Series a “good” rating (this is their highest rating) in all areas but one, and the NHTSA gave them an overall five-star rating (their top rating).

Obtaining scores like these allow for the cost of insuring a BMW 3 Series to become more favorable, as car insurance companies will note less risk of significant medical costs associated with passengers inside the vehicle.

As mentioned, BMW has been at the forefront of developing technologies to increase passenger safety and decrease the likelihood of tragedy during accidents. These safety features that could lower the cost of insurance on a BMW 3 Series include:

  • Four-wheel anti-lock disc brakes
  • Side curtain airbags
  • Run-flat tires
  • A feature unique to BMWs is a system that wipes the brake rotors dry when the windshield wipers are in use.
  • A brake assist feature also automatically primes the brakes. Whenever the driver releases the accelerator, the brake pads are pulled closer to the wheels.
  • Standard driver and passenger airbags (the passenger airbag turns off when no person is present)
  • Safety cage roll bar technology further reduces the risk of significant injury or death to occupants in case of an accident in which the vehicle is flipped or becomes turned onto its side.

The cost of insuring a BMW 3 Series will be less than insuring a vehicle that does not have these features.

In addition, new BMW 3 Series have an exceptional vehicle alarm system that significantly reduces the chance of theft.

Having theft protection devices further reduces risk to the insurance company and thus reduces the cost of insuring the vehicle.

Enter your ZIP code to start comparing personalized auto insurance quotes online now!

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