BMW 3 Series Insurance: by Model Year & Company
BMW 3 Series insurance costs an average of $1,200 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest BMW 3 Series at $198/mo or $1,189 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a BMW 3 Series:
- The 3 Series costs less to insure than most sedans. Averaging $200/mo for the 3 Series versus $203/mo for typical sedans.
- If you're considering a vehicle similar to the 3 Series, like the BMW 7 Series ($304/mo), BMW 4 Series ($231/mo), or BMW 2 Series ($205/mo), your insurance costs will be cheaper.
- American Family ($154/mo), USAA ($155/mo), Progressive ($165/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$2,377 |
| Nationwide |
$2,473 |
| USAA |
$2,499 |
| American Family |
$2,528 |
| Erie |
$2,733 |
| State Farm |
$2,788 |
| GEICO |
$3,512 |
| Farmers |
$4,398 |
| Allstate |
$5,161 |
Compare all 2025 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$3,2462024 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,254 |
| Progressive |
$2,346 |
| USAA |
$2,462 |
| Nationwide |
$2,511 |
| Erie |
$2,653 |
| State Farm |
$2,691 |
| GEICO |
$3,355 |
| Farmers |
$4,147 |
| Allstate |
$4,837 |
Compare all 2024 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$3,1252023 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,177 |
| Progressive |
$2,300 |
| USAA |
$2,415 |
| Nationwide |
$2,535 |
| Erie |
$2,537 |
| State Farm |
$2,596 |
| GEICO |
$2,981 |
| Farmers |
$3,914 |
| Allstate |
$4,808 |
Compare all 2023 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,9952022 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,104 |
| Progressive |
$2,251 |
| USAA |
$2,279 |
| Erie |
$2,484 |
| State Farm |
$2,503 |
| Nationwide |
$2,630 |
| GEICO |
$2,891 |
| Farmers |
$3,713 |
| Allstate |
$4,649 |
Compare all 2022 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,9132021 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$2,020 |
| Progressive |
$2,166 |
| USAA |
$2,178 |
| Erie |
$2,399 |
| Nationwide |
$2,476 |
| State Farm |
$2,597 |
| GEICO |
$2,784 |
| Farmers |
$3,551 |
| Allstate |
$4,643 |
Compare all 2021 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,8372020 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,961 |
| USAA |
$2,060 |
| Progressive |
$2,065 |
| Erie |
$2,305 |
| State Farm |
$2,477 |
| Nationwide |
$2,523 |
| GEICO |
$2,677 |
| Farmers |
$3,384 |
| Allstate |
$4,077 |
Compare all 2020 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,6812019 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,972 |
| American Family |
$1,991 |
| Progressive |
$1,994 |
| Erie |
$2,162 |
| Nationwide |
$2,307 |
| State Farm |
$2,352 |
| GEICO |
$2,579 |
| Farmers |
$3,260 |
| Allstate |
$4,065 |
Compare all 2019 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,5822018 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,870 |
| American Family |
$1,878 |
| Progressive |
$1,979 |
| Erie |
$2,197 |
| Nationwide |
$2,274 |
| State Farm |
$2,389 |
| GEICO |
$2,498 |
| Farmers |
$3,098 |
| Allstate |
$3,450 |
Compare all 2018 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,4472017 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,760 |
| American Family |
$1,834 |
| Progressive |
$1,926 |
| Erie |
$2,159 |
| State Farm |
$2,272 |
| GEICO |
$2,435 |
| Nationwide |
$2,462 |
| Farmers |
$2,931 |
| Allstate |
$2,968 |
Compare all 2017 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,3412016 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,523 |
| American Family |
$1,569 |
| Progressive |
$1,889 |
| State Farm |
$1,892 |
| Erie |
$1,913 |
| GEICO |
$2,126 |
| Nationwide |
$2,424 |
| Allstate |
$2,645 |
| Farmers |
$2,660 |
Compare all 2016 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,1102015 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,445 |
| American Family |
$1,507 |
| Progressive |
$1,779 |
| State Farm |
$1,783 |
| Erie |
$1,878 |
| GEICO |
$2,034 |
| Nationwide |
$2,447 |
| Allstate |
$2,526 |
| Farmers |
$2,533 |
Compare all 2015 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$2,0272014 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,395 |
| American Family |
$1,503 |
| Progressive |
$1,690 |
| State Farm |
$1,722 |
| Erie |
$1,775 |
| GEICO |
$1,965 |
| Nationwide |
$2,350 |
| Farmers |
$2,379 |
| Allstate |
$2,507 |
Compare all 2014 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$1,9582013 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,340 |
| American Family |
$1,462 |
| State Farm |
$1,623 |
| Progressive |
$1,719 |
| Erie |
$1,721 |
| GEICO |
$1,894 |
| Nationwide |
$2,293 |
| Farmers |
$2,305 |
| Allstate |
$2,398 |
Compare all 2013 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$1,8972012 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,379 |
| American Family |
$1,467 |
| Erie |
$1,659 |
| State Farm |
$1,679 |
| Progressive |
$1,734 |
| GEICO |
$1,938 |
| Nationwide |
$2,213 |
| Farmers |
$2,368 |
| Allstate |
$2,380 |
Compare all 2012 BMW 3 Series insurance rates.
Average Cost to Insure Per Year
$1,9082011 BMW 3 Series
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,285 |
| Erie |
$1,297 |
| American Family |
$1,493 |
| Progressive |
$1,518 |
| State Farm |
$1,643 |
| Nationwide |
$1,687 |
| GEICO |
$1,861 |
| Farmers |
$2,018 |
| Allstate |
$2,850 |