BMW 3 Series Insurance in Illinois (2026)
Quick Answer
Full coverage for a 2024 BMW 3 Series in Illinois costs $244/month ($2,922/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW 3 Series Rates by Company in Illinois
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $180/mo | $2,162/yr | Military families |
| Erie Insurance | $192/mo | $2,308/yr | Rate lock guarantee |
| GEICO | $200/mo | $2,396/yr | Clean driving record |
| Progressive | $214/mo | $2,571/yr | Telematics savings |
| State Farm | $222/mo | $2,659/yr | Good students |
| Travelers | $231/mo | $2,776/yr | Multiple discounts |
| Nationwide | $253/mo | $3,039/yr | Bundling home + auto |
| Farmers | $263/mo | $3,156/yr | Signal telematics |
| Allstate | $273/mo | $3,273/yr | Accident forgiveness |
| Liberty Mutual | $287/mo | $3,448/yr | New car replacement |
USAACheapest
Monthly
$180/mo
Annual
$2,162/yr
Best for: Military families
Erie Insurance
Monthly
$192/mo
Annual
$2,308/yr
Best for: Rate lock guarantee
GEICO
Monthly
$200/mo
Annual
$2,396/yr
Best for: Clean driving record
Progressive
Monthly
$214/mo
Annual
$2,571/yr
Best for: Telematics savings
State Farm
Monthly
$222/mo
Annual
$2,659/yr
Best for: Good students
Travelers
Monthly
$231/mo
Annual
$2,776/yr
Best for: Multiple discounts
Nationwide
Monthly
$253/mo
Annual
$3,039/yr
Best for: Bundling home + auto
Farmers
Monthly
$263/mo
Annual
$3,156/yr
Best for: Signal telematics
Allstate
Monthly
$273/mo
Annual
$3,273/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$287/mo
Annual
$3,448/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 Illinois
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $594/mo | $7,128/yr |
| 19 years old | $359/mo | $4,310/yr |
| 21 years old | $286/mo | $3,433/yr |
| 25 years old | $188/mo | $2,258/yr |
| 30 years old | $156/mo | $1,866/yr |
| 40 years old | $146/mo | $1,754/yr |
| 50 years old | $142/mo | $1,698/yr |
| 65 years old | $154/mo | $1,847/yr |