Estimates, not quotes

BMW M3 Insurance Cost in Washington

Insuring a BMW M3 in Washington costs about $3,450 a year ($287/month) for full coverage by our estimate — −18% versus the same car nationally — the 13th 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 Washington at a glance

Full coverage
$3,450
$2,825–$4,070
25/50/10 minimum
$760
$64/mo
Same car nationally
$4,190
full coverage
Avg. car in WA
$1,380
+150% for the M3

The BMW M3 is 2.5 times the average vehicle to insure in Washington, reflecting HLDI collision losses of 583 and comprehensive losses of 297 (100 = average). Washington's own base rates are 10% lower than the national average, which carries through to every model.

Washington factors that affect M3 premiums

  • Uninsured drivers: 19.1% of Washington drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your M3.
  • Theft: 259 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.21 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington →

BMW M3 insurance cost in Washington cities

CityFull coverageMinimumvs. state
Seattle$3,940$870+14%
Spokane$3,565$785+3%
Tacoma$3,890$860+13%
Vancouver$3,670$810+6%
Bellevue$3,705$820+7%
Kent$3,910$865+13%
Everett$3,750$830+9%
Spokane Valley$3,540$780+3%
Renton$3,910$865+13%
Yakima$3,475$765+1%
Bellingham$3,445$7650%
Auburn$3,845$850+11%
Lynnwood$3,950$875+14%

BMW M3 insurance in Washington by driver

Estimated annual BMW M3 premium in Washington
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,095 $3,040 $9,480 $790
Young adult (22) $1,220 $1,770 $5,515 $460
Adult in their 30s $760 $1,105 $3,450 $288
Adult in their 50s $700 $1,015 $3,170 $264
Senior (72) $855 $1,240 $3,860 $322
30s, one at-fault accident $1,105 $1,605 $5,000 $417
30s, DUI on record $1,410 $2,045 $6,380 $532

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. $760 $64 $625–$900
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,105 $92 $905–$1,305
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $3,450 $287 $2,825–$4,070

Washington minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington

ModelFull coverage in WAvs. M3
Mercedes-Benz S-Class$2,465−29%
Audi RS 7$2,070−40%
Lucid Air$2,375−31%
Lexus IS$1,585−54%

Estimate your M3 premium by ZIP code

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Estimated annual premium
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BMW M3 insurance cost in every state · All BMW models

Frequently asked questions

How much is BMW M3 insurance in Washington?

About $3,450 a year ($287 a month) for full coverage and $760 for Washington's minimum liability, for a driver in their 30s with a clean record. That is 18% less than the national estimate for the same car.

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

The average vehicle in Washington is about $1,380 a year for full coverage in our model, so the BMW M3 is 2.5 times average.

Where in Washington is BMW M3 insurance cheapest?

Among the largest Washington cities, Bellingham has the lowest estimate (about $3,445) and Lynnwood the highest (about $3,950).

What insurance do I need for a BMW M3 in Washington?

Washington requires at least 25/50/10 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