BMW 3 Series insurance rates
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The BMW 3 series has been in production since 1975 with models spanning across six generations. It’s considered a compact executive car, which is essentially a large four-door sedan. While the sedan is the standard model, the 3 Series is also available as a wagon or sportback. Coverage for this car could be expensive, but its great safety features and near-perfect crash test scores could help you get better rates.
On average, auto insurance for a BMW 3 Series is $178 a month, or $2,136 a year. At nearly $1,000 above the national average, there are a number of reasons why coverage can be expensive. Your driving record, vehicle trim, location and many other factors all influence the cost of insurance. That’s why it’s important to get quotes from multiple providers and compare your options.
A 2017 BMW 3 Series starts at a base price of $33,450. With the average insurance rate at $2,136 per year, the annual insurance cost–to–base car price ratio is 6.4%.
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Shopping for auto insurance can be frustrating, and the worst part is that you can’t avoid it. Almost all 50 states require auto insurance, so while you won’t be able to forego coverage, you can save a lot of money if you know what to look for. Here are a few factors to consider when you’re shopping around.
While your driving history, location and other variables can influence the cost of insurance, the vehicle you drive has a considerable impact. This is because each vehicle has different repair costs, theft rates, performance and so on. Here’s how the BMW 3 Series’ characteristics could affect the cost of insurance.
Insurance providers consider your risk of filing claims and the cost of paying them out when calculating your insurance premiums. Since every vehicle is different, the make and model you drive can directly influence your chances of filing a claim. But beyond your actual vehicle, the trim and packages you choose can affect performance and safety, making it important to include all details about your vehicle when getting quotes. Based on the standard 320i RWD model, here’s how various build options could affect your insurance rates.
You could save money on car insurance for your BMW 3 Series if it comes equipped with these safety features.
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the BMW 3 Series:
According to U.S. News and J.D Power, the 2018 BMW 3 Series received a 3.5/5 star rating for reliability. This is slightly better than most vehicles in its class, but your experience may vary depending on a number of factors.
The BMW 3 series has been in production since 1975, but there are very few recalls despite its lengthy production history.
Since there have been so many models and variants of the BMW 3 Series, it’s tough to pinpoint the most common issues. With that being said, the 320, which is one of the more common models, has a history of engine and transmission issues, especially on 2013 and 2014 versions.
As a luxury vehicle manufacturer, BMW strives to provide a comfortable and convenient driving experience. Many BMWs are considered quite reliable and do not require much maintenance to keep them on the road. However, considering that the 3 Series is a high-end vehicle, routine service appointments can help ensure your vehicle operates as it should. Here’s what to expect in terms of oil changes, maintenance schedules, mileage and more.
The 3 Series comes with BMW’s four-year/50-000 new vehicle warranty that covers problems due to defective parts or improper service. New vehicles also come with a special corrosion warranty along with free roadside assistance. If you’d like to increase your coverage, the extended warranty is available in multiple terms ranging from five to seven years. By purchasing the extended warranty, you’ll receive service from certified BMW technicians, OEM part replacements, mechanical breakdown towing and more.
Additionally, eligible 3 Series vehicles come with BMW Ultimate Care, which is a three-year/36,000-mile complimentary maintenance plan. There are other extended maintenance plans available for an extra fee.
Like many other BMW vehicles, the 3 series holds great safety ratings in almost every category. It was the IIHS 2018 top safety pick and it received the highest possible ratings in most crashworthiness tests. According to U.S News and J.D Power, the 2018 3 series was awarded an impressive safety rating of 9.5/10.
The BMW 3 Series model has been around since 1975. The 3 Series model accounts for approximately 30% of BMW’s total annual sales, making it the top-selling BMW model. In 2016, there were over 106,000 models sold in the United States. The 2017 model was awarded Top Safety Pick+ by the Insurance Institute of Highway Safety and given a 5-Star Overall Rating from the National Highway Safety Administration.
The BMW 3 Series is now available in a plug-in electric-hybrid version. The average annual car insurance cost for the 330e is $1,171, depending on your unique driver and vehicle factors.
The 330e iPerformance Plug-In Hybrid model features 65 city and 77 highway MPG in hybrid mode and about 17 miles of range in full electric mode. Regenerative braking plus optional charging keep fuel costs low.
BMW has an impressive lineup of luxury coupes, sedans, SUVs and more. Explore different BMW models or find out what other manufacturers have to offer.
Starting at just under $35,000, the BMW 3 Series is an impressive luxury sedan that’s available in multiple styles. While its great safety and driver assistance features make it a great daily driver, build options allow you to customize the vehicle to suit your needs. However, the model and options you choose can affect the cost of insurance, so you should compare your options to find out how much coverage for your 3 series will cost.
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