BMW 3 Series insurance rates

Shedding light on car insurance prices

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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.


Compare insurance providers that cover the BMW 3 Series

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Stella Comprehensive
Optional
Agreed
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats.

⭐ Current offer: Save 10% when you pay your premium annually. T&Cs apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
ahm Comprehensive
Optional
Both
Finder's summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover.

⭐ Current offer: Get 12 months free roadside assistance when you purchase a new policy online.^ Offer ends October 14. T&C’s apply.

Who it might be good for: People who drive less than 15,000 km per year.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

⭐ Current offer: Get a 15% COVID-19 temporary cashback on the monthly premium paid until 3 October 2021. Applies to all existing or new customers in NSW and VIC. Eligibility criteria, terms, and conditions apply.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
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Compare up to 4 providers

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%.


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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3 Responses

    Default Gravatar
    EdwardFebruary 5, 2019

    Would like the best, cheapest and most reliable insurance for a BMW E90, 320i, 2006 model, please.

      Avatarfinder Customer Care
      JeniFebruary 13, 2019Staff

      Hi Edward,

      Thank you for getting in touch with finder.

      Please note that the cost of the policy depends on different factors i.e. car model, body type, car make etc. that’s why we are unable to display quotes generally and compare which has the cheapest rate for your car. Kindly click on the “Go to site” button of your chosen insurer so you can fill-out your specific details and can get the accurate quote.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Avatarfinder Customer Care
      JoshuaFebruary 10, 2019Staff

      Hi Edward,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      As a comparison website, we are not permitted to provide a specific recommendation to our users. However, you can use our table above to compare your options based on their features such as roadside assistance, accidental damage, and others. It should give you a general idea of what each insurer offers. Once you found the right one for you, click on the “Get Quote” button to obtain a quote.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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