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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average cost of BMW 3 Series car insurance is $172 per month — slightly above the overall national average for all vehicles.
USAA offers the cheapest 3 Series coverage at just $94 per month.
The BMW 3 Series’ luxury design, high repair costs, and advanced safety features make it slightly more expensive to insure than many other vehicles.
Car insurance premiums change significantly based on the type of policy you choose. Liability-only policies include bodily injury liability and property damage liability. It’s the cheapest policy you can buy.
Full coverage is a type of policy that typically combines liability insurance with higher limits, as well as collision and comprehensive coverage, which covers damage from collisions and non-collision events like vandalism.
The table shows average liability and full-coverage rates for the 3 Series and how they relate to averages for all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| BMW 3 Series | $117 | $227 | $172 |
| All vehicles | $114 | $210 | $162 |
BMW 3 Series drivers pay an average of $117 per month for liability insurance and $227 for full coverage, with the overall average at $172. That’s slightly higher than national averages.
Next, we look at the cheapest companies for the 3 Series and how different factors affect average premiums.
Comparing quotes can save you up to $867.†
Auto insurance rates vary considerably between insurance companies because each company uses a different model to assess risk and do business. Even so, some auto insurers offer more affordable coverage than others.
The table below shows the cheapest car insurance companies for the BMW 3 Series, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $103 |
| Allstate | $132 |
| American Family | $141 |
| GEICO | $145 |
| CSAA | $158 |
| Nationwide | $171 |
| Progressive | $175 |
| Travelers | $178 |
| Farmers | $202 |
| Liberty Mutual | $241 |
| Amica | $454 |
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
With consistently high customer satisfaction, USAA offers car insurance policies packed with value. You can reduce your already low rates by up to 30% when you enroll in SafePilot and drive safely. And though you won’t find vanishing deductibles, USAA offers accident forgiveness. The insurer also receives high ratings for its mobile app.[1]
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm may offer fewer coverage options than some competitors, but most drivers will find the coverage they need. Leveraging its network of 19,000 local agents, the company provides excellent customer care, an easy-to-use website, and a highly rated mobile app.[4]
Above-average J.D. Power claims satisfaction
Personalized service from a local agent
Accident forgiveness not available
Doesn’t offer gap insurance
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers affordable rates and two usage-based insurance programs that can help lower BMW 3 Series premiums. Its Drivewise telematics program rewards safe driving habits, and Milewise — a pay-per-mile option — is ideal for low-mileage drivers.
Allstates mobile app earns 4.8 stars in the App Store, though Android reviewers report occasional trip logging and battery issues with Drivewise.
Strong usage-based insurance options
Accident forgiveness available
Below-average claims satisfaction
Battery-draining issues with Android app
Your BMW 3 Series model year affects car insurance rates because older cars depreciate, which helps lower the cost of comprehensive and collision premiums. The average car loses 39% of its value after three years, and the 3 Series model shows a similar trend, according to Kelley Blue Book.[5]
The table below shows the average monthly premiums for the BMW 3 Series by model year, according to Compare.com data.
3 Series Model Year | Average Monthly Premium |
|---|---|
| 2026 | $206 |
| 2025 | $208 |
| 2024 | $208 |
| 2023 | $207 |
| 2022 | $207 |
| 2021 | $200 |
| 2020 | $191 |
| 2019 | $187 |
| 2018 | $180 |
| 2017 | $177 |
| 2016 | $172 |
| 2015 | $168 |
| 2014 | $166 |
| 2013 | $157 |
| 2012 | $153 |
| 2011 | $149 |
| 2010 | $146 |
| 2009 | $141 |
| 2008 | $140 |
| 2007 | $137 |
| 2006 | $136 |
| 2005 | $132 |
| 2004 | $129 |
| 2003 | $127 |
| 2002 | $128 |
| 2001 | $128 |
| 2000 | $127 |
Company | Average Monthly Premium |
|---|---|
| USAA | $113 |
| State Farm | $124 |
| Allstate | $158 |
| American Family | $169 |
| GEICO | $174 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $113 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $113 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| State Farm | $120 |
| Allstate | $154 |
| American Family | $164 |
| GEICO | $169 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $114 |
| Allstate | $147 |
| American Family | $157 |
| GEICO | $161 |
Company | Average Monthly Premium |
|---|---|
| USAA | $102 |
| State Farm | $112 |
| Allstate | $144 |
| American Family | $153 |
| GEICO | $158 |
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $108 |
| Allstate | $138 |
| American Family | $148 |
| GEICO | $152 |
Company | Average Monthly Premium |
|---|---|
| USAA | $97 |
| State Farm | $106 |
| Allstate | $136 |
| American Family | $145 |
| GEICO | $149 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $103 |
| Allstate | $132 |
| American Family | $141 |
| GEICO | $145 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $101 |
| Allstate | $129 |
| American Family | $138 |
| GEICO | $142 |
Compare personalized quotes from America’s top companies.
Where you live can play a major role in determining car insurance costs due to state laws, local claim rates, and other factors. The map below shows the monthly average car insurance rates for the BMW 3 Series in each state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $142 |
| Arizona | $151 |
| Arkansas | $163 |
| California | $185 |
| Colorado | $185 |
| Connecticut | $256 |
| Delaware | $215 |
| Florida | $200 |
| Georgia | $229 |
| Hawaii | $113 |
| Idaho | $94 |
| Illinois | $143 |
| Indiana | $117 |
| Iowa | $97 |
| Kansas | $133 |
| Kentucky | $178 |
| Louisiana | $192 |
| Maine | $126 |
| Maryland | $273 |
| Massachusetts | $136 |
| Michigan | $207 |
| Minnesota | $156 |
| Mississippi | $136 |
| Missouri | $163 |
| Montana | $134 |
| Nebraska | $130 |
| Nevada | $228 |
| New Hampshire | $79 |
| New Jersey | $242 |
| New Mexico | $130 |
| New York | $198 |
| North Carolina | $80 |
| North Dakota | $105 |
| Ohio | $111 |
| Oklahoma | $154 |
| Oregon | $137 |
| Pennsylvania | $145 |
| Rhode Island | $198 |
| South Carolina | $220 |
| South Dakota | $124 |
| Tennessee | $128 |
| Texas | $197 |
| Utah | $135 |
| Vermont | $129 |
| Virginia | $161 |
| Washington | $153 |
| Washington D.C. | $283 |
| West Virginia | $133 |
| Wisconsin | $109 |
| Wyoming | $101 |
Your age also plays a significant role in determining car insurance costs. Usually, young drivers tend to pay the highest rates, but costs fall dramatically by the time they reach 30. Costs usually level out by your 30s and stay lowest for older, experienced drivers.
Here’s how that trend translates into BMW 3 Series car insurance rates, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $330 |
| Adults | $172 |
| Seniors | $148 |
Teen drivers and drivers younger than 25 tend to pay higher car insurance rates because they engage in more risky driving behavior, like speeding and distracted driving, and have less driving experience.[6] They also face significantly higher rates of car accidents, according to the Centers for Disease Control and Prevention.
But some insurers offer more affordable rates than others. Check out the cheapest companies for teen and young BMW 3 Series drivers, according to our data.
Senior drivers typically get lower car insurance rates because they have more experience behind the wheel, drive less, and get into fewer accidents.[7] [8]Even so, some insurers offer even lower premiums to this group, plus senior-specific car insurance discounts.
Here are the cheapest car insurance companies for senior 3 Series drivers, based on Compare.com data.
Your driving history significantly affects car insurance costs. Drivers with clean driving records pay substantially lower premiums than drivers with speeding tickets, accidents, and driving under the influence (DUI) convictions. A clean driver record also gets you access to highly valuable safe driver discounts worth more than 20% with some insurers.
Below, we highlight the average monthly premiums Series 3 drivers pay based on different driving records, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $172 |
| Speeding ticket | $230 |
| At-fault accident | $246 |
| DUI | $289 |
Drivers with speeding tickets will typically see their car insurance rates increase. That’s because speeding increases the risk for and severity of car accidents, playing a role in 29% of traffic deaths in 2023, according to the National Safety Council.
But some insurers are more lenient than others and offer cheaper-than-average rates to this group. The table below lists the cheapest car insurance companies for 3 Series drivers with a speeding ticket, according to Compare.com data.
Getting into a car accident can significantly increase car insurance rates because drivers with one prior crash are about 88% more likely to cause a future accident.[9] Still, you’ll find that some insurers will offer more affordable coverage to drivers with an accident.
Below, you’ll find the cheapest insurers for the 3 Series after an accident, according to Compare.com data.
A DUI conviction causes one of the largest rate increases in car insurance costs because of the high risk associated with driving under the influence. Drinking and driving increases the likelihood of an accident, and recidivism rates among DUI offenders range from about 21% and 47%.[10]
But that doesn’t mean you can’t find an affordable rate after a DUI. The companies in the table below offer the cheapest rates to drivers with DUIs, according to our research.
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Here’s how the 3 Series specs and features can influence car insurance costs.
Crash test rating: The BMW 3 Series receives a 5-star crash test rating, which could potentially lead to lower auto insurance premiums.
Advanced safety features: The 3 Series comes with lane-departure warning, collision warning, and blind-spot alert, which can reduce accident risk and lower premiums.
Repair costs: The vehicle’s same safety features can also increase repair costs, potentially negating savings.
Style and trim: The 3 Series comes in four styles. The 330i costs the least, which can potentially lower rates. The priciest model, the M340i xDrive, is likely to come with higher insurance rates.
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You can use several effective strategies to get cheap car insurance, including:
Keep a clean record. A clean driving history keeps insurance rates low. Even if you have past tickets or claims, avoiding future ones leads to lower rates over time.
Maintain good credit. Drivers with good credit pay much lower rates than drivers with poor credit histories.
Bundle policies. Multi-policy discounts typically offer one of the largest discounts when you buy auto and home insurance (or renters insurance) from one company.
Increase deductibles. Raising your deductibles usually means lower monthly premiums — just be sure you can afford the out-of-pocket costs if you file a claim.
Compare rates. Always shop around and compare car insurance quotes regularly to ensure you never miss a chance to save.
Get real-time quotes and save money on your next policy.
Below, we’ve answered the most common questions drivers ask about getting affordable car insurance coverage for the BMW 3 Series.
The average BMW 3 Series auto policy costs $172 per month, which is slightly higher than the average for all vehicles of $162 per month, according to our data. But many car insurance companies offer substantially lower rates for this model.
USAA offers the lowest average insurance rates for the 3 Series, at $94 per month, according to our research. State Farm offers the second-lowest premiums, at $103 per month, and Allstate comes in third, at $132 per month.
The average 2026 3 Series car insurance policy costs $206 per month, according to our analysis. But prices can shift based on personal factors, such as your location, age, and driving history.
Our research shows that the BMW Z4 is the least expensive BMW model to insure, with average rates of $139 per month.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Licensed property and casualty insurance agent
NPN: 21630969
MacK Korris is a licensed insurance agent who reviews and fact-checks articles for Compare.com. MacK has several years of experience reviewing and editing a variety of insurance topics, and he also holds valid insurance producer licenses in property and casualty lines from the Missouri Department of Commerce and Insurance (NPN #21630969).