BMW 3 Series car insurance

Find out how much would it cost to insure a BMW 3 Series, and how can I save on my premiums.

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If you’re familiar with BMW, you’re almost certainly familiar with the BMW 3 Series. Originally marketed as a range of sedan cars, the 3 Series has since expanded to include a wide range of models including hatchbacks, convertibles, and station wagons.

Find out just how much it costs to insure a 3 Series model and, how to keep your premiums low.

Average insurance rates for a BMW 3 Series model

To give you an indication about how much it would cost to insure your BMW 3 Series, we ran several quotes in order to obtain an average figure. Our results estimated that you could, on average, insure your BMW 3 Series with comprehensive cover for monthly payments of £135.46 or an annual sum of £1,181.97.

How can I save on my car insurance?

If you like to save (and who doesn’t?), you’re in luck. Below we’ve collected some of the top factors that affect your insurance rate – and how you can save money!

  • Annual payments. Have you considered paying for your insurance annually rather than monthly? In the case of 3 Series models, this move would save you £443.61 every year.
  • Personal information. While not something that is particularly easy to adjust, insurers take a driver’s personal situation into account when offering a policy. This includes age, sex, geographical location, and marital status. In simple terms, insurance companies like stability – and they’ll reward it with lower premiums.
  • Modifications. Modifications are a tricky business when it comes to car insurance. Insurers generally punish you for any add-ons designed to make the car faster with higher premiums (deeming you as a more at-risk driver). Investment in add-ons designed to compliment the car’s safety and security features, however, for instance tracking technology, are generally rewarded with lower premiums as these reduce risk for insurers.
  • Transmission. Have you considered that the transmission of your car might be affecting your insurance rate? Our research indicates that you’d need to pay an extra £93.17 in an annual instalment if you opt for the automatic model, as opposed to the manual 3 Series. If you pay monthly this discrepancy is even greater – you’d be set back £102.09 every year purely because of the transmission you’ve picked!
  • Credit History. Insurers will likely reward drivers with better credit histories and longer periods of no claims and no convictions.

Facts about the BMW 3 Series

  • Collectively, the models in the BMW 3 Series represent the best-selling model offered by BMW. They comprised approximately 3/10 of the sales achieved by BMW in 2010.
  • In 2017, BMW reported sales of 129.053 3 Series models in Europe.

Safety and security in the BMW 3 Series

There are several models of different types within the BMW 3 Series range, but an aggregated test by the ‘gold standard’ Euro NCAP in 2012 rewarded the series a perfect five-star rating for safety.

BMW offers the typical safety features as standard, including multiple airbags, electronic cruise control, and anti-lock braking. There are also a number of extra features you can add to the vehicle, including automatic low-speed braking technology and lane departure software, that warns the driver if they begin to the drift between lanes. Ask your insurer what extra safety and security features you can add in return for lower premiums.

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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2 Responses

  1. Default Gravatar
    PhillipSeptember 7, 2018

    Im new on the road but i dont know westher i need a 3 series or an audi A4 which one would be easier to ensure and maintain for me i am 21 by the way

    • Avatarfinder Customer Care
      CharisseSeptember 7, 2018Staff

      Hi Phillip,

      Thank you for reaching out to finder.

      In calculating insurance premiums or costs, insurance providers will not only look at the make, model and the value of your car. There are several other factors insurance providers consider in calculating the price of the insurance cover they provide such as:

      – Age
      – Driving Experience
      – Claims History
      – Civil Status
      – Vehicle use (social, domestic, and commuting)

      To help you decide which car is easier to ensure between a BMW 3 series or an audi A4, you can request for a quote from different insurance companies so you will have an idea how much insurance each car will possibly cost you.

      On the page you are in, you can see the list of insurance brands which you can request a quote from. Using the comparison table you can compare insurance brands according to the benefits they provide, which can be found at the table heading. You can click on the “Go to site” button to proceed with your quote request.

      Hope this helps.


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