BMW 3 Series Insurance in Rhode Island
Rates from $61 – $102/mo minimum coverage, $258 – $430/mo full coverage. Compare top RI carriers below.
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Updated June 2026 · Source: Rhode Island DOI + IQ rate model
Average monthly premium — 2024 BMW 3 Series, Rhode Island
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for BMW 3 Series drivers in Rhode Island
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why BMW 3 Series insurance costs what it does in Rhode Island
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
No theft-rank surcharge on comprehensive premium.
High parts and labor costs raise collision premiums materially.
Rhode Island requires 25/50/25 liability minimums. As the most densely populated state in the US, claim frequency is materially elevated. Providence-area premiums account for most of the state's above-average rate.
Frequently asked questions
01How much is BMW 3 Series insurance in Rhode Island?
Rhode Island drivers of a 2024 BMW 3 Series pay about $258 – $430 per month for full coverage, or roughly $61 – $102 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed 3 Series?
Yes. If your 3 Series has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Rhode Island law itself only requires the state liability minimums (25/50/25), but the lender's contract overrides that.
03What's the cheapest carrier for a 3 Series in Rhode Island?
Cheapest varies by driver profile, but in Rhode Island the major carriers most often quoting the lowest premiums for a 3 Series are GEICO, Progressive, and State Farm. Regional carriers (Amica and Plymouth Rock) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the 3 Series's 5-star safety rating lower my premium?
Yes, a small but real amount. The 3 Series's 5-star NHTSA rating means lower expected injury claims in an at-fault collision, which insurers price into both liability and medical-payments premiums. The discount is typically 2-5% vs an equivalent 3-star vehicle.
05Does Rhode Island require SR-22 after a DUI for a 3 Series?
After a DUI, Rhode Island requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a 3 Series typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.