BMW 3 Series Insurance in Colorado (2026)
Quick Answer
Full coverage for a 2024 BMW 3 Series in Colorado costs $283/month ($3,401/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW 3 Series Rates by Company in Colorado
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $210/mo | $2,517/yr | Military families |
| Erie Insurance | $224/mo | $2,687/yr | Rate lock guarantee |
| GEICO | $232/mo | $2,789/yr | Clean driving record |
| Progressive | $249/mo | $2,993/yr | Telematics savings |
| State Farm | $258/mo | $3,095/yr | Good students |
| Travelers | $269/mo | $3,231/yr | Multiple discounts |
| Nationwide | $295/mo | $3,537/yr | Bundling home + auto |
| Farmers | $306/mo | $3,673/yr | Signal telematics |
| Allstate | $317/mo | $3,809/yr | Accident forgiveness |
| Liberty Mutual | $334/mo | $4,013/yr | New car replacement |
USAACheapest
Monthly
$210/mo
Annual
$2,517/yr
Best for: Military families
Erie Insurance
Monthly
$224/mo
Annual
$2,687/yr
Best for: Rate lock guarantee
GEICO
Monthly
$232/mo
Annual
$2,789/yr
Best for: Clean driving record
Progressive
Monthly
$249/mo
Annual
$2,993/yr
Best for: Telematics savings
State Farm
Monthly
$258/mo
Annual
$3,095/yr
Best for: Good students
Travelers
Monthly
$269/mo
Annual
$3,231/yr
Best for: Multiple discounts
Nationwide
Monthly
$295/mo
Annual
$3,537/yr
Best for: Bundling home + auto
Farmers
Monthly
$306/mo
Annual
$3,673/yr
Best for: Signal telematics
Allstate
Monthly
$317/mo
Annual
$3,809/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$334/mo
Annual
$4,013/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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BMW 3 Series Insurance by Age in Colorado
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $691/mo | $8,297/yr |
| 19 years old | $418/mo | $5,017/yr |
| 21 years old | $333/mo | $3,996/yr |
| 25 years old | $219/mo | $2,628/yr |
| 30 years old | $181/mo | $2,172/yr |
| 40 years old | $170/mo | $2,042/yr |
| 50 years old | $165/mo | $1,977/yr |
| 65 years old | $179/mo | $2,150/yr |