BMW 3 Series Insurance Cost

Full coverage for a BMW 3 Series costs about $1,880 a year ($157/month) by our estimate — ▲ +18% versus the average vehicle, ranking 229th cheapest of 310 current models.

BMW 3 Series exterior (photo from Wikimedia Commons) — Photo: Alexander-93, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

BMW 3 Series insurance cost at a glance

Full coverage

$1,880

$157/mo · $1,540–$2,220

Minimum liability

$680

$57/mo

Segment

Luxury car

Gasoline, Hybrid, Plug-in hybrid, Diesel

HLDI collision losses

144

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the BMW 3 Series.

Estimated BMW 3 Series premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$680	$57	$560–$805
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$985	$82	$810–$1,165
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,880	$157	$1,540–$2,220

What drives the cost of insuring a BMW 3 Series

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The BMW 3 Series's results put our vehicle factor at 1.11× for liability, 1.43× for collision and 1.13× for comprehensive.

HLDI relative insurance losses — BMW 3 series 4dr (Midsize Luxury cars)
Coverage	Index	Rating	What it measures
Collision	144	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	111	Worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	112	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	131	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	104	Average	Injuries to occupants of this car (claim frequency)
Medical payments	146	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (6)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
BMW 3 series 4dr	144	111	112	131
BMW 3 series 4dr 4WD	136	113	102	73
BMW M340xi 4dr 4WD	221	164	101	—
BMW M340i 4dr	238	164	118	—
BMW 3 series plug-in hybrid 4dr	124	113	96	—
BMW 3 series plug-in hybrid 4dr 4WD	119	98	76	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 16 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

BMW 3 Series trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
330i Sedan	RWD	2.0L 4-cyl Turbo Hybrid	31
330i xDrive Sedan	AWD	2.0L 4-cyl Turbo Hybrid	29
M340i Sedan	RWD	3.0L 6-cyl Turbo Hybrid	29
M340i xDrive Sedan	AWD	3.0L 6-cyl Turbo Hybrid	29

BMW 3 Series insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.0L 4-cyl Turbo Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD, RWD	29–31	$1,880
2025	2.0L 4-cyl Turbo Hybrid, 3.0L 4-cyl Turbo Hybrid	AWD, RWD	29–31	$1,840
2024	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD, RWD	26–29	$1,795
2023	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD, RWD	26–29	$1,755
2022	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD, RWD	25–30	$1,710
2021	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Plug-in Hybrid, 3.0L 6-cyl Turbo Hybrid	AWD, RWD	25–30	$1,670
2020	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	25–30	$1,625
2019	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, RWD	23–30	$1,585
2018	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD, RWD	23–36	$1,545
2017	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD, RWD	23–36	$1,500
2016	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 2.0L 4-cyl Turbo Plug-in Hybrid	AWD, RWD	23–35	$1,460
2015	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 3.0L 6-cyl Turbo	AWD, RWD	23–36	$1,455
2014	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 3.0L 6-cyl Turbo	AWD, RWD	23–36	$1,455
2013	2.0L 4-cyl Turbo, 3.0L 6-cyl, 3.0L 6-cyl Turbo	AWD, RWD	19–28	$1,455
2012	2.0L 4-cyl Turbo, 3.0L 6-cyl, 3.0L 6-cyl Turbo	AWD, RWD	19–27	$1,455
2011	3.0L 6-cyl, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel	AWD, RWD	19–27	$1,455
2010	3.0L 6-cyl, 3.0L 6-cyl Turbo, 3.0L 6-cyl Turbo Diesel	AWD, RWD	19–27	$1,455
2009	3.0L 6-cyl, 3.0L 6-cyl Diesel, 3.0L 6-cyl Turbo	4WD/AWD, RWD	19–27	$1,455
2008	3.0L 6-cyl, 3.0L 6-cyl Turbo	4WD/AWD, RWD	19–22	$1,455
2007	3.0L 6-cyl, 3.0L 6-cyl Turbo	4WD/AWD, RWD	20–22	$1,455

BMW 3 Series insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the 3 Series page for that state.

State	Full coverage	Minimum	vs. national	3 Series page
Alabama	$1,650	$530	−12%	3 Series in AL
Alaska	$1,660	$690	−12%	3 Series in AK
Arizona	$1,960	$735	+4%	3 Series in AZ
Arkansas	$1,675	$500	−11%	3 Series in AR
California	$1,880	$635	0%	3 Series in CA
Colorado	$2,115	$725	+13%	3 Series in CO
Connecticut	$1,990	$790	+6%	3 Series in CT
Delaware	$2,070	$890	+10%	3 Series in DE
District of Columbia	$2,390	$825	+27%	3 Series in DC
Florida	$2,625	$1,195	+40%	3 Series in FL
Georgia	$2,295	$965	+22%	3 Series in GA
Hawaii	$1,320	$480	−30%	3 Series in HI
Idaho	$1,280	$445	−32%	3 Series in ID
Illinois	$1,640	$555	−13%	3 Series in IL
Indiana	$1,345	$450	−28%	3 Series in IN
Iowa	$1,285	$345	−32%	3 Series in IA
Kansas	$1,505	$445	−20%	3 Series in KS
Kentucky	$1,575	$585	−16%	3 Series in KY
Louisiana	$2,585	$880	+38%	3 Series in LA
Maine	$1,210	$470	−36%	3 Series in ME
Maryland	$2,105	$835	+12%	3 Series in MD
Massachusetts	$1,860	$655	−1%	3 Series in MA
Michigan	$2,065	$850	+10%	3 Series in MI
Minnesota	$1,565	$520	−17%	3 Series in MN
Mississippi	$1,800	$590	−4%	3 Series in MS
Missouri	$1,705	$570	−9%	3 Series in MO
Montana	$1,500	$435	−20%	3 Series in MT
Nebraska	$1,510	$445	−20%	3 Series in NE
Nevada	$2,120	$960	+13%	3 Series in NV
New Hampshire	$1,355	$445	−28%	3 Series in NH
New Jersey	$2,240	$1,040	+19%	3 Series in NJ
New Mexico	$1,690	$575	−10%	3 Series in NM
New York	$2,495	$1,030	+33%	3 Series in NY
North Carolina	$1,430	$495	−24%	3 Series in NC
North Dakota	$1,215	$305	−35%	3 Series in ND
Ohio	$1,350	$450	−28%	3 Series in OH
Oklahoma	$1,700	$525	−10%	3 Series in OK
Oregon	$1,665	$695	−11%	3 Series in OR
Pennsylvania	$1,660	$470	−12%	3 Series in PA
Rhode Island	$2,260	$910	+20%	3 Series in RI
South Carolina	$1,980	$815	+5%	3 Series in SC
South Dakota	$1,440	$350	−23%	3 Series in SD
Tennessee	$1,575	$500	−16%	3 Series in TN
Texas	$2,225	$765	+18%	3 Series in TX
Utah	$1,690	$725	−10%	3 Series in UT
Vermont	$1,245	$350	−34%	3 Series in VT
Virginia	$1,620	$695	−14%	3 Series in VA
Washington	$1,625	$655	−14%	3 Series in WA
West Virginia	$1,580	$485	−16%	3 Series in WV
Wisconsin	$1,285	$415	−32%	3 Series in WI
Wyoming	$1,475	$360	−22%	3 Series in WY

BMW 3 Series insurance by driver profile

Estimated annual BMW 3 Series premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,875	$2,715	$5,170	$431
Young adult (22)	$1,090	$1,580	$3,005	$250
Adult in their 30s	$680	$985	$1,880	$157
Adult in their 50s	$625	$910	$1,730	$144
Senior (72)	$765	$1,105	$2,105	$175
30s, one at-fault accident	$985	$1,430	$2,725	$227
30s, DUI on record	$1,260	$1,825	$3,475	$290

BMW 3 Series vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
BMW 3 Series	$1,880	144	111	—
Jaguar XF	$1,675	135	—	Compare
Mercedes-Benz E-Class	$1,810	138	—	Compare
Volvo S90	$1,695	132	—	Compare

Estimate BMW 3 Series insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other BMW models

2 Series $1,630/yr
4 Series $1,670/yr
5 Series $1,490/yr
7 Series $3,710/yr
i5 $2,085/yr
i7 $2,795/yr
iX3 $1,895/yr
M2 $2,260/yr
M3 $4,190/yr
M4 $4,260/yr
M5 $1,820/yr
X1 $1,560/yr
X2 $1,805/yr
X5 $1,690/yr
X6 $2,305/yr
X7 $1,915/yr
8 Series $2,610/yr
i4 $1,920/yr
iX $2,310/yr
X3 $1,565/yr
XM $2,985/yr
Z4 $1,320/yr
M8 $3,945/yr
X4 $1,745/yr
i3 $1,565/yr
i8 $1,810/yr
6 Series $1,480/yr
M6 $1,755/yr
1 Series $1,580/yr
ActiveE $1,390/yr

All BMW insurance costs →

Frequently asked questions

How much is insurance for a BMW 3 Series?

We estimate about $1,880 a year ($157 a month) for full coverage and $680 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 18% more than the average vehicle.

Is the BMW 3 Series expensive to insure?

HLDI insurance-loss data rates it at 144 for collision and 111 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a BMW 3 Series?

Maine has the lowest estimate (about $1,210 a year for full coverage) and Florida the highest (about $2,625).

What is the BMW 3 Series's NHTSA safety rating?

The 2026 BMW 3 Series earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the BMW 3 Series cheaper to insure than the Jaguar XF?

By our estimate the BMW 3 Series costs about $1,880 a year versus $1,800 for the Jaguar XF, making the Jaguar XF cheaper to insure.

How much is BMW 3 Series insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,170 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page