Estimates, not quotes

BMW M3 Insurance Cost in North Dakota

Insuring a BMW M3 in North Dakota costs about $3,010 a year ($251/month) for full coverage by our estimate — −28% versus the same car nationally — the 4th cheapest of 51 states for this model.

BMW M3 (photo from Wikimedia Commons)
Photo: Alexander Migl, 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 M3 insurance in North Dakota at a glance

Full coverage
$3,010
$2,470–$3,555
25/50/25 minimum
$355
$30/mo
Same car nationally
$4,190
full coverage
Avg. car in ND
$1,030
+192% for the M3

The BMW M3 is 2.9 times the average vehicle to insure in North Dakota, reflecting HLDI collision losses of 583 and comprehensive losses of 297 (100 = average). North Dakota's own base rates are 37% lower than the national average, which carries through to every model.

North Dakota factors that affect M3 premiums

  • Uninsured drivers: 10.6% of North Dakota drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your M3.
  • Theft: 154 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates North Dakota's expected annual losses as relatively moderate for hail, relatively moderate for tornado, not rated for hurricane, relatively low for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 0.90 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: No-fault, with required personal injury protection.

Car insurance rules and costs in North Dakota →

BMW M3 insurance cost in North Dakota cities

CityFull coverageMinimumvs. state
Fargo$3,435$405+14%
Bismarck$3,385$400+12%
Grand Forks$3,325$395+10%
Minot$3,415$410+13%
West Fargo$3,485$410+16%
Williston$3,250$390+8%
Dickinson$3,315$400+10%
Mandan$3,360$405+12%

BMW M3 insurance in North Dakota by driver

Estimated annual BMW M3 premium in North Dakota
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $980 $1,425 $8,280 $690
Young adult (22) $570 $830 $4,820 $402
Adult in their 30s $355 $520 $3,010 $251
Adult in their 50s $330 $475 $2,770 $231
Senior (72) $400 $580 $3,375 $281
30s, one at-fault accident $520 $750 $4,365 $364
30s, DUI on record $660 $955 $5,570 $464

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $355 $30 $295–$420
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $520 $43 $425–$610
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $3,010 $251 $2,470–$3,555

North Dakota minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in North Dakota

ModelFull coverage in NDvs. M3
Mercedes-Benz S-Class$2,410−20%
Audi RS 7$1,890−37%
Lucid Air$1,905−37%
Lexus IS$1,315−56%

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BMW M3 insurance cost in every state · All BMW models

Frequently asked questions

How much is BMW M3 insurance in North Dakota?

About $3,010 a year ($251 a month) for full coverage and $355 for North Dakota's minimum liability, for a driver in their 30s with a clean record. That is 28% less than the national estimate for the same car.

Is the BMW M3 cheaper to insure than the average car in North Dakota?

The average vehicle in North Dakota is about $1,030 a year for full coverage in our model, so the BMW M3 is 2.9 times average.

Where in North Dakota is BMW M3 insurance cheapest?

Among the largest North Dakota cities, Williston has the lowest estimate (about $3,250) and West Fargo the highest (about $3,485).

What insurance do I need for a BMW M3 in North Dakota?

North Dakota requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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