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BMW i3 insurance rates

Average BMW i3 insurance cost: $199. At this price, look for more perks to protect this electric.

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We pulled BMW i3 car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 BMW i3 is $198.69. However, an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
2014 BMW i3149.58$123.54183.17$168.22$156.13
2016 BMW i3$169.25$133.46$214.30$183.82$175.21
2021 BMW i3$177.25$148.01$258.66$210.83$198.69

How we got these rates

Our rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your zip, location, job type, annual mileage and more.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Compare the i3’s insurance factors to similar cars

The BMW i3’s insurance rate drops close to some non-luxury models, so you’ll enjoy lower ownership costs for all-electric car. The i3’s entry-level luxury price and nonexistent theft rate probably keep those rates low.

Models similar to BMW i3Monthly insurance costCar valueSafety rating by NHTSA
BMW i3$198.69$45,445Not rated
Audi e-tron$66,9955-star
Ford Mustang Mach-e$43,995Not rated
Tesla Model X$317.07$91,1905-star

We found 2021 car values from Car and Driver’s car model reviews. We also found safety ratings from the National Highway Traffic Safety Administration (NHTSA). However, the NHTSA doesn’t rate every model available.

BMW i3 Series money-saving safety features

You could save money on car insurance for your BMW i3 Series if it comes equipped with these safety features.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Electronic stability control
  • Seatbelt pretensioners
  • Lane-departure warning systems
  • Adaptive cruise control
  • Daytime running lights

About the BMW i3

The BMW i3 has been around since 2014 and is the company’s first mass produced car with zero emissions. The latest model has a 114 mile range on a full electric charge. In late 2016, the BMW i3 was ranked the world’s third best selling all-electric car of all time.

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