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BMW 3 Series insurance rates

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Average BMW 3 Series insurance rates

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.

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Companies that offer coverage for BMW 3 Series

Geico.Geico is best known for its Gecko mascot and slogan, “15 minutes could save you 15% or more on car insurance”. It offers an assortment of coverage options and a number of discounts to help you cut costs.

State Farm.Established almost 100 years ago, State Farm has grown to become the largest insurance provider in the country. Policies are available in all 50 states and can be purchased online, by phone, or in person.

Liberty Mutual.Liberty Mutual is the fourth largest property and casualty insurance company in the US. It’s best known for its range of policy options and great policy features like complimentary roadside assistance.

Compare insurance providers that cover BMW 3 Series

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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How to compare insurance for the BMW 3 Series

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.

  • Price.Make sure to enter the same details every time you get a quote from providers. This will allow you to accurately compare your options by price.
  • Deductible.Your deductible amount will likely influence the cost of your monthly premiums. A higher deductible will cost more when you file a claim, but you’ll spend less on premiums. Lower deductibles cost more on a monthly basis, but you’ll pay less out of pocket if you file a claim.
  • Minimum coverage.Outside of New Hampshire and Virginia, every state has a mandatory minimum amount of coverage. Before signing up for a policy, make sure your state’s minimums are met.
  • Additional coverage.Consider whether or not you need additional coverage. Personal injury protection and uninsured motorist coverage are two of the many possible options.
  • Extras.Extras like accident forgiveness or vanishing deductible can improve your policy and provide peace of mind. Find out what extra policy features are available when shopping around.
  • Restrictions.Some providers have restrictions or limitations on your car insurance policy. Find out if any apply to you to avoid denied claims or gaps in coverage.
  • Manufacturer offer or loyalty discount. Some automakers have manufacturer offers or loyalty discounts through insurance providers. Speak with BMW to find out if you are eligible.
  • Warranty.Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for BMW 3 Series?

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.

  • Body type. The 3 Series is a four-door sedan, best suited for families, commuting and other forms of daily driving. This low-risk driver profile could help reduce auto insurance rates.
  • Type of car. BMW makes luxury performance vehicles and the 3 series is no exception. This classification could lead to higher insurance rates.
  • Theft. Sedans are the most frequently stolen type of vehicle, meaning you’ll likely be charged a premium to insure this vehicle.
  • Repairs. BMW is best known for its cutting-edge technology and luxurious design. Parts and service for the 3 series can be expensive, which may increase your auto insurance rates.
  • Safety ratings. The 2018 BMW 3 series won the IIHS top safety pick and holds great crashworthiness ratings. This could reduce the cost of insurance.

How do trim packages and extra build options affect insurance cost?

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.

Trim

  • xDrive. xDrive is BMW’s all-wheel-drive system. It can improve traction and handling, which could translate to better auto insurance rates.
  • 330i/340i. The 330i and 340i models come with more powerful engines and higher price tags. Choosing either of these models could increase the cost of insurance.
  • Diesel. Both diesel options could cost more to insure since diesel vehicles generally have higher average accident repair costs.
  • Plug-in Hybrid. While the hybrid model can help you save on gas, you’ll probably end up paying more for insurance since these types of vehicles can be expensive to repair.

Packages

  • Sport design. These packages add LED fog lights and a rearview camera among other features. The improved visibility and handling could help you save on auto insurance.
  • Driving Assistance Package. This bundle of features significantly enhances driver, passenger and vehicle safety and therefore might help you get better rates.
  • Track Handling Package. Performance tires, steering and suspension can improve your vehicle’s handling, which could lead to cheaper auto insurance.
  • Safety options. Adding park distance control or active blind spot detection can reduce your chances of an accident and may help decrease your premiums.

BMW 3 Series money-saving safety features

You could save money on car insurance for your BMW 3 Series if it comes equipped with these safety features.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the BMW 3 Series qualify for auto insurance discounts?

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:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

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How reliable is 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.

  • 2012-2015. A number of various 3 Series models produced between 2011 and 2015 were recalled due to a software issue that could prevent the side marker lights from operating when the parking lights or headlights were active.
  • 2012-2014. Some 2012-2014 BMW 3 series models were recalled due to issues stemming from insufficient lubrication on the vacuum pump that supplies brake power assistance. A number of vehicles were also recalled due to a failing fuel pump that could cause vehicles to stall.
  • 1998-2006. A large number of 3 Series models were part of the Takata Airbag Recall. This involved airbag inflators used in various BMW models that could fail to inflate or spray metal fragments when activated.

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.

BMW 3 Series maintenance

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.

  • BMW suggests an oil change every 10,000 miles or 12 months. Depending on how you drive your vehicle, you may want to consider having it changed more often.
  • Oil changes should cost between $100 to $200, but your cost may vary.
  • The 2018 320i (Automatic transmission) gets an average of 28 miles per gallon, with 24 in the city and 35 on the highway.
  • The 2018 BMW 320i Coupe (Manual transmission) gets an average of 27 miles per gallon, with 23 in the city and 35 on the highway.
  • The 2018 BMW 320i xDrive gets an average of 27 miles per gallon, with 23 in the city and 34 on the highway.
  • The 2018 BMW 3 Series comes with a standard four-year/50,000-mile warranty.
  • Newer BMW models come equipped with a Condition Based Servicing system and a Service Interval Indicator. Both of these systems will monitor your vehicle and let you know when parts need replacing and when the vehicle should be brought in for service. However, here is BMWs standard maintenance schedule:

Is an extended warranty worth it for the BMW 3 Series?

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.

How safe is the BMW 3 Series?

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.

Bottom line

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.

About the BMW 3 Series

BMW 3 Series Insurance FinderThe 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.

Insurance companies determine the insurance cost for a BMW 3 Series based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. BMW shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. BMW 3 Series shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

BMW just released the hybrid/electric 3 Series

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.

Random BMW Facts

  • BMW was founded in 1917 and entered the aircraft manufacturing market. They started manufacturing cars in 1928.
  • BMW prices start at $34,000 and can go up to $154,000.
  • The 3 Series line is the best selling BMW model.
  • The BMW 7 Series was the most likely to get stolen, based on a ranking by the National Highway Traffic Safety Administration for 2011.
  • After World War II, BMW switched to producing pots, pans and bicycles until 1948, when they restarted motorcycle production.

BMW 3 Series price

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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Allstate Auto Insurance

Allstate Auto Insurance

Allstate is a trusted and well-established company that offers life, automobile, home, renters, condo, motorcycle and business insurance policies. Founded in 1931, the company strives to make the community safer.

Allstate car insurance comes with:

  • New car replacement.
  • Accident forgiveness.
  • Rewards for safe driving.

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