How much is BMW 3 Series insurance in Minnesota?
For the driver profile in our methodology, a 2024 BMW 3 Series costs between $53/mo at the state minimum and $346/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $53 – $88 | $636 – $1,056 |
| Liability Only | Higher limits; still nothing for your car | $74 – $123 | $888 – $1,476 |
| Full CoverageMost owners | Adds damage to your 3 Series, theft, glass | $176 – $293 | $2,112 – $3,516 |
| Full Coverage + Low DeductibleYou’re viewing this tier | Same, with less out of pocket per claim | $208 – $346 | $2,496 – $4,152 |
What full coverage + low deductible includes
- Everything in full coverage, still above 30/60/10 plus $40,000 PIP + UM
- $250 deductible on comprehensive and collision (vs $500 on the standard full-coverage tier)
- Uninsured/underinsured motorist as listed with the state minimum
- Personal injury protection at the Minnesota required minimum
What Minnesota requires to drive a 3 Series
Minnesota lists 30/60/10 plus $40,000 PIP + UM as the liability floor. That is what makes a 3 Series legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 30/60/10 plus $40,000 PIP + UM
- Fault system
- Minnesota is a no-fault state — PIP typically rides on every policy.
- PIP
- Personal injury protection is required at this state’s minimum.
- Uninsured motorist in the minimum
- UM/UIM is listed with this state’s minimum package in our registry.
3 Series insurance cost by model year
Newer models cost more to insure — a 2024 3 Series runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $176 – $293 | $74 – $123 | — |
| 2023 | $167 – $278 | $73 – $122 | −5% |
| 2022 | $160 – $267 | $73 – $121 | −9% |
| 2021 | $153 – $255 | $71 – $118 | −13% |
| 2020 | $146 – $243 | $70 – $116 | −17% |
3 Series vs. comparable vehicles
How the 3 Series stacks up against the vehicles shoppers most often cross-shop it with — the Toyota Camry insures for about 37% less in Minnesota. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. 3 Series | Why it differs |
|---|---|---|---|
| BMW 3 Series | $176 – $293 | — | Above-average claim severity |
| Mercedes-Benz C-Class | $176 – $293 | — | C-Class parts and labor price within a few percent of the BMW's. |
| Tesla Model 3 | $176 – $293 | — | Model 3's certified-repair bottleneck raises its claim costs. |
| Toyota Camry | $110 – $183 | −37% | Camry benchmarks the mainstream exit at roughly half the repair severity. |
3 Series insurance cost by Minnesota city
Minneapolis drivers pay about 12% above the state average while Duluth runs 5% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. MN average |
|---|---|---|
| Minneapolis | $197 – $328 | +12% |
| St. Paul | $194 – $322 | +10% |
| Bloomington | $185 – $308 | +5% |
| Rochester | $169 – $281 | −4% |
| Duluth | $167 – $278 | −5% |
Why 3 Series insurance costs what it costs
The low-deductible tier on a 2024 BMW 3 Series in Minnesota is full coverage with the comprehensive and collision deductible cut from $500 to $250. Nothing about Minnesota's 30/60/10 plus $40,000 PIP + UM floor changes — you are buying a smaller out-of-pocket on a first-party claim.
The 3 Series is a sedan in the luxury / EV MSRP tier, with above-average claim severity in our model and a 5-star NHTSA overall rating in our registry. It is not on the NICB top-100 most-stolen list in our registry, so theft is not a modeled comprehensive surcharge here.
This tier is the same stack as standard full coverage, with the first-dollar share shifted toward the carrier. The model prices that shift at 18% ($176 – $293 → $208 – $346), which is a filed-shape assumption, not a quote.
Minneapolis is modeled 12% above the MN average ($197 – $328/mo full coverage on this 3 Series); Duluth is modeled 5% below at $167 – $278. Those city factors scale the same band as the hero — they are not a second rate file. UM/UIM is listed with Minnesota's minimum package in our registry.
What the model knows about this 3 Series
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Not in top 100No theft surcharge is applied for this vehicle in the model.
- MSRP tier
- luxury / EVReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- highClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is full coverage + low deductible the right tier for you?
- You would rather pay $208 – $346 than keep $500 liquid for a claim
- Repair bills on this high-severity tend to clear a $500 deductible in one visit
- You are already buying full coverage and want the first-dollar piece smaller
- You already keep $500 available and file claims rarely — the 18% modeled bump may not earn back
- You would rather put the $208 – $346 vs $176 – $293 difference into higher liability limits
- The 3 Series is near the end of its useful life and you are about to drop collision anyway
$500 vs $250 deductible on a 3 Series
On a 3 Series this model prices a $250 deductible at $32–$53/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverage | $500 | $176 – $293 | $2,112–$3,516 | Default first-party deductible in this model |
| Low-deductible full coverageYou’re viewing this tier | $250 | $208 – $346 | $2,496–$4,152 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full + low deductible coverage
These are typical market add-ons, not Minnesota mandates and not priced in our rate model. Confirm each line on a quote.
- Rental reimbursement
If this 3 Series is your only car, a shop visit without a rental add-on is an out-of-pocket week.
Not automatic on full coverage. Typical market price cited elsewhere on this site is $5–15/mo — confirm on the quote, do not treat that as a filed MN rate.
- Loan/lease payoff (gap)
New or financed BMW 3 Series: actual cash value after a total loss can sit below the loan.
State law does not require gap. Lenders sometimes sell it at the dealership; price it against the same add-on on the auto policy.
- Roadside assistance
Useful on a sedan you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
Carriers that commonly quote Minnesota
These are carriers we have real logos for and that commonly quote Minnesota. We do not publish a per-carrier 3 Series price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
State FarmBundling + agents
How to lower your 3 Series rate
- Raise your deductible to $1,000. On a 3 Series premium this is the single biggest lever you control directly.Saves ~$19–$35/mo
- Shop at least three carriers. Rates for the identical 3 Series profile differ by 2x or more between carriers in Minnesota.Saves up to $1,000+/yr
- Right-size your PIP. Minnesota is a no-fault state — if your health insurance already covers auto injuries, coordinating or trimming PIP limits cuts a mandatory coverage you may be double-paying.Saves 5–15%
- Ask about safety-tech discounts. Automatic emergency braking, lane keeping, and anti-theft equipment all carry filed credits with some carriers — none are applied unless you ask.Saves 3–8%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Minnesota Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
BMW 3 Series insurance in Minnesota: FAQ
01How much more is the $250 deductible on a 3 Series in Minnesota?
This model prices it 18% above the $500-deductible full-coverage band: $176 – $293 → $208 – $346. That 18% is a file assumption (see methodology), not a carrier filing we scraped.
02What does Minnesota actually require to drive a 3 Series?
Minnesota lists 30/60/10 plus $40,000 PIP + UM as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $176 – $293 for a 2024 BMW 3 Series.
03Does 3 Series insurance cost more in Minneapolis than in Duluth?
In this model, yes — Minneapolis is 12% vs the MN average ($197 – $328/mo full coverage) and Duluth is -5% ($167 – $278). Same 2024 BMW 3 Series, same driver profile; only the city factor changes.
04Does a 5-star NHTSA rating lower 3 Series insurance in Minnesota?
This model applies a small credit for a 5-star overall NHTSA rating (the 3 Series is a 5). It is one of four vehicle modifiers next to MSRP tier, theft rank, and repair tier — not a standalone “safety discount” we can quote as a percent off your bill.
05When does dropping collision on an older 3 Series in Minnesota make sense?
When the car’s actual cash value is no longer worth a modeled $2,112–$3,516 a year in full coverage. A common rule of thumb is to drop first-party coverages when 10× the annual premium exceeds the car’s value — keep the liability portion either way. Minnesota still wants 30/60/10 plus $40,000 PIP + UM on the road.
