BMW 3 Series Insurance in Indiana (2026)
Quick Answer
Full coverage for a 2024 BMW 3 Series in Indiana costs $208/month ($2,499/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW 3 Series Rates by Company in Indiana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $154/mo | $1,849/yr | Military families |
| Erie Insurance | $165/mo | $1,974/yr | Rate lock guarantee |
| GEICO | $171/mo | $2,049/yr | Clean driving record |
| Progressive | $183/mo | $2,199/yr | Telematics savings |
| State Farm | $190/mo | $2,274/yr | Good students |
| Travelers | $198/mo | $2,374/yr | Multiple discounts |
| Nationwide | $217/mo | $2,599/yr | Bundling home + auto |
| Farmers | $225/mo | $2,699/yr | Signal telematics |
| Allstate | $233/mo | $2,799/yr | Accident forgiveness |
| Liberty Mutual | $246/mo | $2,949/yr | New car replacement |
USAACheapest
Monthly
$154/mo
Annual
$1,849/yr
Best for: Military families
Erie Insurance
Monthly
$165/mo
Annual
$1,974/yr
Best for: Rate lock guarantee
GEICO
Monthly
$171/mo
Annual
$2,049/yr
Best for: Clean driving record
Progressive
Monthly
$183/mo
Annual
$2,199/yr
Best for: Telematics savings
State Farm
Monthly
$190/mo
Annual
$2,274/yr
Best for: Good students
Travelers
Monthly
$198/mo
Annual
$2,374/yr
Best for: Multiple discounts
Nationwide
Monthly
$217/mo
Annual
$2,599/yr
Best for: Bundling home + auto
Farmers
Monthly
$225/mo
Annual
$2,699/yr
Best for: Signal telematics
Allstate
Monthly
$233/mo
Annual
$2,799/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$246/mo
Annual
$2,949/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 Indiana
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $508/mo | $6,097/yr |
| 19 years old | $307/mo | $3,687/yr |
| 21 years old | $245/mo | $2,937/yr |
| 25 years old | $161/mo | $1,931/yr |
| 30 years old | $133/mo | $1,596/yr |
| 40 years old | $125/mo | $1,500/yr |
| 50 years old | $121/mo | $1,452/yr |
| 65 years old | $132/mo | $1,580/yr |