BMW 3 Series insurance rates

Shedding light on car insurance prices

Average BMW 3 Series insurance rates

The average comprehensive insurance policy for a BMW 3 Series is $154 a month — or $1,640 a year. Your actual cost could be more or less depending on your driving record, the number of kilometres you drive in a year and other factors. To determine our estimated cost, we aggregated quotes from 5 insurance companies using this profile:

  • 2017 BMW 3 Series
  • Over 30,000 kilometres driven yearly
  • No accidents in the past five years
  • Driver located in Sydney
  • Car parked in garage at night
  • Black vehicle

About the BMW 3 Series

BMW 3 Series Insurance Finder
The BMW 3 Series model has been around since 1975. The 3 Series model accounts for approximately 30% of BMW’s total annual sales, making it the top selling BMW model in the world. In 2017, there were more than 2,500 models sold in Australia.

Insurance companies determine the insurance cost for a BMW 3 Series based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location.

BMW shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. BMW 3 Series shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Random BMW Facts

  • BMW was founded in 1917 and entered the aircraft manufacturing market. They started manufacturing cars in 1928.
  • The 3 Series is the best selling BMW model in the world.
  • After World War II, BMW switched to producing pots, pans and bicycles until 1948, when they restarted motorcycle production.
  • BMW prices start at $39,900 and can go up to a huge $299,000.
  • BMW Minis were introduced to Australia in 1971.

How does the BMW 3 Series compare?

A 2017 BMW 3 Series starts at a base price of $39,990. With the average insurance rate at $1,640 per year, the annual insurance cost–to–base car price ratio is 4.1%.

Compare insurance providers that cover the BMW 3 Series

Name Product Name Agreed or Market Value New Car Replacement Pay Monthly At No Extra Cost Choice Of Repairer Roadside Assistance Hire Car After Theft
Market
Optional - If your car is written off in the first 3 years
No
No
No
Optional - Up to $50 a day until your claim is settled
Save 24% on your policy if you've been claim free for 3 years.
Agreed
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
Buy online and save 15%.
Agreed
Yes - If your car is written off or stolen in the first 2 years
No
Yes
Yes
Yes - Reasonable costs (Max 14 days)
Emergency roadside assistance included in Comprehensive policies.
Agreed
Yes - If your car is written off in the first 2 years
Yes
No
Optional
Yes - Up to $70 per day (Max 14 days)
Save up to 10% when you buy online.
Agreed
Yes - If your car is written off in the first 2 years or is under 40,000 km
No
Yes
Optional
Yes - Up to $1,000 (Max 14 days)
Save 15% when purchasing online. Eligible customers can earn 5,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Dec 2018. Excludes NT. T&CS apply.
Agreed
Yes - If your car is written off in the first 2 years
Yes
No
No
Yes - Up to $70 per day (Max 14 days)
Transforms your driving so it's 100% carbon neutral.
Agreed
Yes - If your car is written off in the first 2 years
Yes
Yes
No
Yes - Up to $100 per day (Max 30 days)
Buy online and save up to 10% on your policy.
Agreed
Yes - If your car is written off in the first year or is under 20,000 km
No
No
Optional
Optional - Up to $60 per day (Max 14 days)
Save up to 20% on car insurance when you purchase cover online.

Compare up to 4 providers


How safe is the BMW 3 Series?

The 3 Series was awarded a 5-star safety rating by the Australiasian New Car Assessment Program (ANCAP). It received a perfect 16 out of 16 score for its side impact crash test and an excellent 15.76 out of 16 for its frontal offset crash test.

The latest model of the BMW 3 Series includes head-protecting side curtains, anti-lock brakes and electronic stability control.


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