If you’re wondering how much it will cost to insure your BMW 3 Series in 2025, you’re in the right place. Insurance rates for the BMW 3 Series vary based on your location, driving record and model year.
The average annual cost to insure a 2023 BMW 3 Series is $3,109. However, this rate can vary depending on the model year. For example, a 2021 3 Series might cost around $2,913 annually, while a 2018 model could be more affordable at $2,515 per year.
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your BMW 3 Series.
What is the cost to insure your BMW 3 Series in 2025?
The average cost to insure a BMW 3 Series is $265 per month or $3,182 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for BMW 3 Series
Nationwide provides the most affordable car insurance for your BMW 3 Series, with an average annual rate of $2,278, or $190 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your BMW 3 Series.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,278 | $1,139 | $190 |
| State Farm | $2,732 | $1,366 | $228 |
| Geico | $2,822 | $1,411 | $235 |
| Progressive | $3,250 | $1,625 | $271 |
| Farmers | $3,613 | $1,807 | $301 |
| Allstate | $4,368 | $2,184 | $364 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare BMW 3 Series car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 BMW 3 Series generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a breakdown of the average annual insurance premiums for different model years of the BMW 3 Series, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $2,146 | $1,073 | $179 |
| 2015 | $2,250 | $1,125 | $188 |
| 2016 | $2,345 | $1,172 | $195 |
| 2017 | $2,411 | $1,205 | $201 |
| 2018 | $2,515 | $1,258 | $210 |
| 2019 | $2,529 | $1,264 | $211 |
| 2020 | $2,852 | $1,426 | $238 |
| 2021 | $2,913 | $1,456 | $243 |
| 2022 | $3,026 | $1,513 | $252 |
| 2023 | $3,109 | $1,555 | $259 |
Speak with a friendly agent and get your quote in minutes!
BMW 3 Series car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a BMW 3 Series. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the M340i, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the BMW 3 Series.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 330i XDrive | $2,877 | $1,439 | $240 |
| 330i | $2,913 | $1,456 | $243 |
| 330e | $2,974 | $1,487 | $248 |
| 330e XDrive | $3,152 | $1,576 | $263 |
| M340i XDrive | $3,561 | $1,780 | $297 |
| M340i | $3,615 | $1,808 | $301 |
BMW 3 Series insurance rates: State-by-state breakdown
Insurance costs for a BMW 3 Series vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the BMW 3 Series in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,954 | $1,477 | $246 |
| Alabama | $2,861 | $1,430 | $238 |
| Arkansas | $3,353 | $1,676 | $279 |
| Arizona | $2,918 | $1,459 | $243 |
| California | $3,918 | $1,959 | $327 |
| Colorado | $4,016 | $2,008 | $335 |
| Connecticut | $3,188 | $1,594 | $266 |
| Washington, D.C. | $3,820 | $1,910 | $318 |
| Delaware | $3,149 | $1,575 | $262 |
| Florida | $3,458 | $1,729 | $288 |
| Georgia | $3,853 | $1,926 | $321 |
| Hawaii | $1,971 | $985 | $164 |
| Iowa | $2,756 | $1,378 | $230 |
| Idaho | $2,051 | $1,026 | $171 |
| Illinois | $3,048 | $1,524 | $254 |
| Indiana | $2,808 | $1,404 | $234 |
| Kansas | $3,293 | $1,647 | $274 |
| Kentucky | $4,125 | $2,062 | $344 |
| Louisiana | $5,407 | $2,704 | $451 |
| Massachusetts | $2,994 | $1,497 | $249 |
| Maryland | $2,900 | $1,450 | $242 |
| Maine | $2,293 | $1,147 | $191 |
| Michigan | $3,916 | $1,958 | $326 |
| Minnesota | $3,411 | $1,705 | $284 |
| Missouri | $4,070 | $2,035 | $339 |
| Mississippi | $3,435 | $1,717 | $286 |
| Montana | $3,354 | $1,677 | $280 |
| North Carolina | $2,658 | $1,329 | $222 |
| North Dakota | $3,004 | $1,502 | $250 |
| Nebraska | $3,500 | $1,750 | $292 |
| New Hampshire | $2,365 | $1,183 | $197 |
| New Jersey | $2,901 | $1,451 | $242 |
| New Mexico | $3,275 | $1,637 | $273 |
| Nevada | $2,811 | $1,406 | $234 |
| New York | $2,283 | $1,142 | $190 |
| Ohio | $2,193 | $1,097 | $183 |
| Oklahoma | $3,468 | $1,734 | $289 |
| Oregon | $2,933 | $1,466 | $244 |
| Pennsylvania | $3,353 | $1,676 | $279 |
| Rhode Island | $4,152 | $2,076 | $346 |
| South Carolina | $3,031 | $1,516 | $253 |
| South Dakota | $4,034 | $2,017 | $336 |
| Tennessee | $3,551 | $1,776 | $296 |
| Texas | $4,556 | $2,278 | $380 |
| Utah | $2,463 | $1,231 | $205 |
| Virginia | $2,306 | $1,153 | $192 |
| Vermont | $2,507 | $1,254 | $209 |
| Washington | $2,704 | $1,352 | $225 |
| Wisconsin | $2,455 | $1,228 | $205 |
| West Virginia | $3,100 | $1,550 | $258 |
| Wyoming | $3,623 | $1,811 | $302 |
How your age impacts BMW 3 Series insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $11,921 | $5,960 | $993 |
| Adults | $3,182 | $1,591 | $265 |
The bottom line
Knowing how much it costs to insure a BMW 3 Series is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
