Car Insurance

BMW 3 Series Car Insurance Rates

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at, and editor at 7 minute read

Despite its low price, the BMW 3 costs a lot to insure. BMW 3 Series car insurance cost $178 a month, or $2,136 a year, on average. The insurance cost-to-base automobile price ratio is 6.4%, which is higher than the national average of 4%. It has been in production since 1975, with six iterations of the BMW 3 series to date. It’s a four-door sedan that’s called a compact executive automobile. The 3 Series is offered in sedan, wagon, and Sportback configurations. Because of the car’s excellent safety features and nearly faultless crash test results, insurance for this model can be pricey.

How to compare insurance for the BMW 3 Series

BMW 3 Series Car Insurance Rates - BMW 3 Series Car Insurance Logo

Auto insurance shopping may be tedious, and the worst thing is that you can’t skip it. If you know what to search for, you may save a lot of money on car insurance in almost all of the 50 states. Here are some things to keep in mind when you’re out shopping.

  • Price. The same information should be entered each time you obtain a quote from a company. This will help you to evaluate your alternatives in terms of cost more precisely.
  • Deductible. If you have a high deductible, you may have to pay more in monthly premiums. When you make a claim, a greater deductible will cost you more money, but you’ll pay less in insurance premiums. You’ll pay more in monthly premiums, but you’ll save money if you ever need to make a claim.
  • The bare minimum. Every state except New Hampshire and Virginia requires a minimum level of insurance coverage. Make sure your state’s minimums are satisfied before signing up for insurance.
  • Added vigilance. Consider whether or not you’ll need additional protection.
  • Uninsured/underinsured motorist coverage and personal injury protection are only two of the numerous options available.
  • Extras. Accident forgiveness and a vanishing deductible are two options that might make your coverage better and offer you more confidence. When searching around for a new insurance coverage, inquire about additional policy options.
  • Restrictions. Depending on the insurance provider, you may face limits or limitations on your coverage. To prevent having your claims denied or your coverage lapsed, check to see whether any of these conditions apply to you.
  • Loyalty discount or manufacturer’s offer Some automobiles provide manufacturer discounts or insurance provider loyalty incentives. Find out if you’re eligible for BMW’s financing program by contacting the company.
  • Warranty. Find out what your manufacturer or extended warranty covers so that you don’t have to pay for double coverage.

What factors affect car insurance rates for BMW 3 Series?

When it comes to the cost of car insurance, your driving history, location, and other factors all play a role. As a result, each car has a varied repair cost, theft rate, and so on. BMW 3 Series features may impact insurance costs in the following ways.

  • Body type. For families, commuting, and other day-to-day driving, the 3 Series is an ideal choice. Having a low-risk driving record might help you save money on your car insurance policy.
  • Species of car The 3 series is no exception to BMW’s upscale performance cars. Insurance premiums might rise as a result of this categorisation.
  • Theft. To insure a sedan, you’ll likely have to pay a higher premium because they are the most often stolen kind of car.
  • Repairs. With its cutting-edge technology and exquisite design, BMW is best known. You may see an increase in your vehicle insurance rates due to the high cost of servicing and maintaining a BMW 3.
  • Ratings of safety. The 2018 BMW 3 series was awarded the IIHS’s highest possible grade for safety and has excellent crashworthiness. Insurance premiums might be reduced as a result of this.

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

If you have a history of submitting claims, your insurance rates will reflect that risk and the expense of paying them. The type of vehicle you drive can have a significant impact on your ability to file a claim, as each one is unique. Even if you don’t have a certain model in mind, the trim and package options you select can have a significant impact on your vehicle’s performance and safety. On the basis of the 320i RWD base model, these are the insurance rates for various construction variants.


  • xDrive. xDrive is BMW’s all-wheel-drive system. Auto insurance premiums might be reduced as a result of increased traction and handling.
  • 330i/340i. The 330i and 340i have more powerful engines, but they also cost more money. The cost of insurance may rise if you choose one of these models over the other.
  • Diesel. Due to the greater repair expenses associated with diesel cars, both diesel choices may cost extra to insure.
  • Plug-in hybrid vehicle. Despite the fact that a hybrid vehicle will save you money on petrol, you’ll likely wind up paying more for insurance because these vehicles are expensive to fix.


  • Sport design. These packages include LED fog lights and a rearview camera.
  • Auto insurance premiums might be reduced as a result of better visibility and handling.
  • Package for Driver Assistance. This set of characteristics can help you get better rates because it considerably improves the safety of the driver, passengers, and vehicle as a whole.
  • A set of tools for moving rails. It’s possible to save money on car insurance by installing high-performance tires, steering, and suspension systems.
  • Possibilities for safety. It is possible to lower your insurance premiums by installing park distance control or active blind spot detection.

BMW 3 Series money-saving safety features

If your BMW 3 Series has these safety features, you might save money on your vehicle insurance.

The 2018 BMW 3 Series was rated 3.5/5 stars for dependability by U.S. News and J.D. Power. Even though this car is somewhat above average in its class, you may have different experiences depending on your personal preferences.

Despite the fact that the BMW 3 series has been in production since 1975, there have been very few recalls.

  • 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?

With the right insurance provider, your car may be eligible for a wide range of reductions on your policy. If you live in a certain area, for example, you may be eligible for a reduction in your insurance premiums. A handful of the following should apply to 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

How reliable is the BMW 3 Series?

  • 2012-2015. A software bug might prevent the side marker lights from working while the parking lights or headlights are on in a variety of BMW 3 Series cars built between 2011 and 2015.
  • 2012-2014. Due to a lack of lubrication on the vacuum pump that provides braking power assistance, certain BMW 3 series cars from 2012 to 2014 were recalled. There were additional recalls for automobiles with defective gasoline pumps, which might cause them to stall.
  • 1998-2006. In the Takata Airbag Recall, several 3 Series cars were included. When actuated, airbag inflators in many BMW models may not inflate or may shoot out metal shards.

Because the BMW 3 Series has so many versions and varieties, it is difficult to identify the most prevalent problems. Though it’s one of the more prevalent models to have engine and gearbox troubles on the 2013 and 2014 models, the 320 is still prone to these issues.

BMW 3 Series maintenance

As a luxury car manufacturer, BMW aims to deliver a pleasant and easy driving experience. ‘ For the most part, BMWs are known for their dependability and low-maintenance requirements. For high-end vehicles like the 3 Series, regular service visits may help keep things running smoothly. In terms of oil changes, maintenance schedules, mileage, and more, here’s what you can anticipate from this vehicle.

  • If you drive 10,000 miles or 12 months, BMW recommends an oil change. As a result of your driving habits, you may want to consider changing your vehicle’s oil more frequently.
  • The cost of an oil change should fall in between $100 and $200.
  • An average of 28 miles per gallon is achieved by the 2018 320i (Automatic transmission) in the city and 35 mpg on the highway.
  • BMW’s 2018 320i Coupe (Manual gearbox) averages 27 miles per gallon on the freeway and 23 in town.
  • The 2018 BMW 320i xDrive earns an average of 27mpg, with 23mpg in the city and 34mpg on the open road.
  • A standard four-year/50,000-mile warranty is included with the 2018 BMW 3 Series.
  • BMW’s Condition Based Servicing (CBS) technology and Service Interval Indicator are now standard on newer models. Using one of these methods, you’ll be alerted if a part needs replaced or the car needs to be serviced.

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

As part of its four-year/50,000 warranty, the 3 Series comes with BMW’s defective parts and improper-service coverage. New cars also come with a corrosion guarantee and free roadside assistance as standard features. As an option, you may purchase an extended warranty that extends the warranty period from five to seven years. Purchasing the extended warranty gives you access to BMW-certified experts, OEM parts replacements, mechanical breakdown towing, and other benefits.

BMW Ultimate Care, a three-year/36,000-mile free maintenance package, is also included in qualifying 3 Series vehicles. For an additional price, there are further extended service plans.

How safe is the BMW 3 Series?

All of BMW’s cars, including the 3 series, have excellent safety ratings. When it came to crashworthiness, it scored near perfect in every test, earning the top spot on the IIHS’s list of recommended vehicles for 2018. There is no doubt that the 2018 3 series has been given a remarkable safety rating of 9.5/10 by US News and JD Power.

Since 1975, BMW has produced the 3 Series vehicle. The 3 Series is BMW’s best-selling model, accounting for over a third of the company’s yearly sales volume. In the United States, about 106,000 models were sold in 2016. The 2017 model received a 5-Star Overall Rating from the National Highway Traffic Safety Administration and an Insurance Institute of Highway Safety Top Safety Pick+ award.

Should You Get A BMW 3 Series?

The BMW 3 Series is a premium car that starts at little under $35,000 and comes in a variety of designs. As a daily driver, it’s safe and convenient, but with a variety of possibilities for customization, it’s even better. You should, however, examine your alternatives to see how much insurance for your BMW 3 Series will cost.

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