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BMW 3 Series Car Insurance Cost


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BMW 3 Series Car Insurance Cost

How Much Does BMW 3 Series Insurance Cost?

BMW 3 Series Car Insurance

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Check out the BMW 3 Series lineup

The BMW 3 is a low-priced vehicle with a shockingly high insurance premium. BMW 3 Series car insurance rates cost about $178 per month, or $2,136 per year. The yearly insurance cost–to–base car price ratio is 6.4 percent, which is greater than the national average of 4 percent, with a base price of $33,450. The BMW 3 series has been in production since 1975, with six generations of vehicles. It is categorized as a compact executive vehicle, which is essentially a large four-door sedan.

While the sedan is the most popular variant, the 3 Series also comes in wagon and sport back body styles. This vehicle’s coverage may be expensive, but its superb safety features and near-perfect crash test ratings may help you get better rates.

How to compare insurance for the BMW 3 Series

Shopping for vehicle insurance may be aggravating, and the worst thing is that you can’t avoid it. While almost all 50 states need vehicle insurance, you may save a lot of money if you know what to search for. Here are a few things to think about when buying.

  • Price. Make sure you provide the same information each time you get a quotation from a supplier. This will allow you to compare your alternatives based on pricing.
  • Deductible. The level of your deductible will almost certainly affect the cost of your monthly premiums. A greater deductible will cost you more when filing a claim, but it will save you money on premiums. Lower deductibles are more expensive monthly, but you will pay less out of cash if you make a claim.
  • Minimum coverage. Except for New Hampshire and Virginia, every state requires a certain quantity of coverage. Check that your state’s minimums are satisfied before purchasing an insurance.
  • Additional coverage. Consider whether you require extra protection. Personal injury protection and uninsured motorist coverage are just two of the numerous options available.
  • Extras. Extras such as accident forgiveness and a disappearing deductible can enhance your coverage and provide peace of mind. When shopping around, find out what extra policy features are offered..
  • Restrictions. Your vehicle insurance coverage may be subject to limits or limitations imposed by some providers. Find out whether any of these apply to you in order to prevent refused claims or coverage gaps.
  • Manufacturer offer or loyalty discount. Manufacturer incentives or loyalty discounts are available from several automakers through insurance carriers. Contact BMW to see whether you are qualified.
  • 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, geography, and other factors can all affect the cost of insurance, the car you drive has a significant impact. This is due to the fact that each car has varied repair prices, theft rates, performance, and so on. Here are some factors that may influence the cost of insurance for the BMW 3 Series.

  • Body type. The BMW 3 Series is a four-door sedan that is ideal for families, commuting, and other types of daily transportation. This low-risk driving profile may assist in lowering vehicle insurance costs.
  • Type of car. BMW produces high-performance premium automobiles, and the 3 Series is no exception. This categorization may result in higher insurance prices.
  • Theft. Sedans are the most commonly stolen type of car, therefore you should expect to pay a higher rate to insure one.
  • Repairs. BMW is most well-known for its cutting-edge technologies and opulent design. Parts and servicing for the 3 series might be costly, thus raising your vehicle insurance premiums.
  • Safety ratings. The 2018 BMW 3 Series was named a top safety choice by the IIHS and has excellent crashworthiness ratings. Insurance costs might be reduced as a result of this.

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

When determining your insurance rates, insurance providers evaluate your risk of submitting claims as well as the expense of paying them out. Because each car is unique, the brand and model you drive might have a direct impact on your odds of submitting a claim. Beyond the car itself, the trim and extras you select can have an impact on performance and safety, so it’s critical to provide all vehicle specifics when receiving bids. Based on the basic 320i RWD model, here’s how different construction options may influence your insurance premiums.


  • xDrive. BMW’s all-wheel-drive technology is known as xDrive. It has the potential to enhance traction and handling, which might lead to lower vehicle insurance premiums..
  • 330i/340i. The 330i and 340i versions have more powerful engines and cost more. Choosing one of these models may result in higher insurance costs.
  • Diesel. Because diesel vehicles have higher average accident repair costs, both diesel alternatives may cost extra to insure.
  • Plug-in Hybrid. While the hybrid model might help you save money on petrol, you will most likely wind up paying more for insurance because these vehicles are expensive to fix.


  • Sport design. Among other things, these packages include LED fog lights and a rearview camera. The increased vision and handling may allow you to save money on vehicle insurance.
  • Driving Assistance Package. This feature set greatly improves driver, passenger, and vehicle safety, which may help you earn better rates.
  • Track Handling Package. Performance tires, steering, and suspension can enhance your vehicle’s handling, perhaps resulting in lower auto insurance rates.
  • Safety options. Adding park distance control or active blind spot detection will help minimize your chances of an accident and lower your insurance costs.

BMW 3 Series money-saving safety features

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

  • 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?

Depending on whatever carrier you pick, your vehicle may be eligible for certain auto insurance savings. The actual reductions you receive, however, may vary based on your region, provider, selections, and other variables. Here are a few examples that should be applicable 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?

The 2018 BMW 3 Series got a 3.5/5 star rating for dependability from U.S. News and J.D Power. This is somewhat better than most vehicles in its class, but your experience may vary based on a variety of things.

The BMW 3 series has been in production since 1975, yet despite its long history, there have been very few recalls.

  • 2012-2015. A number of different 3 Series vehicles manufactured between 2011 and 2015 were recalled owing to a software fault that may prevent the side marker lights from functioning when the parking lights or headlights were turned on.
  • 2012-2014. Some BMW 3 series vehicles from 2012 to 2014 were recalled owing to problems caused by inadequate lubrication on the vacuum pump that delivers braking power assistance. A handful of cars were also recalled as a result of a faulty gasoline pump, which might cause vehicles to stall.
  • 1998-2006. The Takata Airbag Recall included a substantial number of 3 Series vehicles. This included airbag inflators used in several BMW models that might fail to inflate or spew metal shards when actuated.

It’s difficult to pinpoint the most prevalent problems with the BMW 3 Series because there have been so many versions and variants. Having said that, the 320, which is one of the more popular models, has a history of engine and gearbox problems, particularly on 2013 and 2014 vehicles.

BMW 3 Series maintenance

BMW tries to deliver a comfortable and convenient driving experience as a luxury car manufacturer. Many BMWs are regarded to be extremely dependable, requiring little maintenance to keep them on the road.

However, because the 3 Series is a high-end car, frequent service appointments may assist ensure that your vehicle functions properly. Here’s a rundown of what to expect in terms of oil changes, maintenance schedules, mileage, and other details.

  • BMW recommends changing the oil every 10,000 miles or 12 months. Depending on how you drive, you may want to consider getting it changed more frequently.
  • Oil changes should cost between $100 to $200, but your cost may vary.
  • The 2018 320i (Automatic transmission) gets 28 miles per gallon on average, with 24 in the city and 35 on the interstate.
  • The 2018 BMW 320i Coupe (Manual gearbox) achieves 27 miles per gallon on the interstate and 23 in the city.
  • The 2018 BMW 320i xDrive gets an average of 27 miles per gallon, with 23 in the city and 34 on the interstate.
  • The 2018 BMW 3 Series comes with a standard four-year/50,000-mile warranty.
  • Newer BMW models include a Condition Based Servicing system as well as a Service Interval Indicator. Both of these systems will monitor your car and notify you when parts need to be replaced or when the vehicle should be serviced.

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

The 3 Series is covered by BMW’s four-year/50,000 new car guarantee, which covers issues caused by faulty parts or poor servicing. New automobiles also have a corrosion warranty and free roadside assistance. If you want to prolong your coverage, an extended warranty with lengths ranging from five to seven years is available. You will receive servicing from authorized BMW experts, OEM part replacements, mechanical breakdown towing, and other benefits if you purchase the extended warranty.

Furthermore, qualifying 3 Series vehicles have BMW Ultimate Care, a three-year/36,000-mile free maintenance package. Other extended maintenance options are available for an additional cost.

How safe is the BMW 3 Series?

The 3 series, like many other BMW automobiles, has excellent safety ratings in nearly every area. It was named the IIHS’s top safety selection for 2018, and it achieved the best possible scores in the majority of crashworthiness tests. According to U.S. News and J.D. Power, the 2018 3 series received a 9.5/10 safety rating.

The BMW 3 Series has been on the market since 1975. The 3 Series model accounts for around 30% of total yearly BMW sales, making it the most popular BMW model. In the United States, roughly 106,000 models were sold in 2016. The 2017 model was awarded a Top Safety Pick+ by the Insurance Institute of Highway Safety, and it received a 5-Star Overall Rating from the National Highway Traffic Safety Administration.

Should You Get A BMW Series 3?

The BMW 3 Series, which starts at little under $35,000, is an outstanding luxury sedan that comes in a variety of designs. While its excellent safety and driver assistance features make it an excellent everyday driver, the vehicle’s construction choices allow you to tailor it to your own requirements. However, the model and features you select might impact the cost of insurance, so evaluate your options to see how much coverage for your 3 series will cost.

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