BMW 3 Series insurance rates
Shedding light on car insurance prices
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
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
Other factors that can affect your auto insurance rate
- The BMW 3 Series' model year
- The colour of the vehicle
- The amount of coverage you need
- The estimated kilometers you drive in a year
- The vehicle’s safety and anti-theft features
- The driver’s location
- The driver’s age
- The driver’s driving history in the past five years
- The driver’s marital status
- The driver’s gender
About the BMW 3 Series
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%.
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.
More guides on Finder
2022 BMW X3 M and X4 M Competition: What’s new and what we’re looking forward to
Australians love their performance SUVs, and BMW is back with beefed up X3 M and X4 M Competition models.
2021 BMW 430i Review
Sibling rivalry: Which is better – the BMW 430i Coupé or the entry-level 420i Coupé?
Soft-top BMW M4 Competition: Just in time for summer fun
This hard-revving BMW M4 Competition soft-top will shake up pre-conceived notions about the convertible car.
2021 MG ZS Review
It seems the ZST is really a jack of all trades kind of car. It looks good, is specced well, drives nicely and is acceptably practical.
Finally, Kia brings electric and hybrid Niro to Australia
Which Kia Niro would you choose? Hybrid, plug-in hybrid or electric?
Tesla Model 3 Standard Range Plus review
If you aren’t regularly travelling long distances, the Standard Range Plus probably makes the most sense, on paper at least.
More 2022 Lexus ES details emerge: Cheaper model joins range
The entry-level ES 250 joins the range, with an impressive specification list.
2021 BMW 420i Coupé Review
Given the price jumps of roughly $18,000 to the 430i and $47,000 to the M440i, is this the 4-Series that you want?
Genesis GV70: First look at the brand’s debut medium SUV
South Korea's luxury car manufacturer Genesis is back with the GV70.
BMW X7 car insurance
Thinking about buying a BMW X7? See average car insurance costs and find out about prestige car insurance
Ask an Expert