BMW 3 Series Insurance in Iowa (2026)
Quick Answer
Full coverage for a 2024 BMW 3 Series in Iowa costs $193/month ($2,311/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW 3 Series Rates by Company in Iowa
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $143/mo | $1,710/yr | Military families |
| Erie Insurance | $152/mo | $1,826/yr | Rate lock guarantee |
| GEICO | $158/mo | $1,895/yr | Clean driving record |
| Progressive | $169/mo | $2,034/yr | Telematics savings |
| State Farm | $175/mo | $2,103/yr | Good students |
| Travelers | $183/mo | $2,195/yr | Multiple discounts |
| Nationwide | $200/mo | $2,403/yr | Bundling home + auto |
| Farmers | $208/mo | $2,496/yr | Signal telematics |
| Allstate | $216/mo | $2,588/yr | Accident forgiveness |
| Liberty Mutual | $227/mo | $2,727/yr | New car replacement |
USAACheapest
Monthly
$143/mo
Annual
$1,710/yr
Best for: Military families
Erie Insurance
Monthly
$152/mo
Annual
$1,826/yr
Best for: Rate lock guarantee
GEICO
Monthly
$158/mo
Annual
$1,895/yr
Best for: Clean driving record
Progressive
Monthly
$169/mo
Annual
$2,034/yr
Best for: Telematics savings
State Farm
Monthly
$175/mo
Annual
$2,103/yr
Best for: Good students
Travelers
Monthly
$183/mo
Annual
$2,195/yr
Best for: Multiple discounts
Nationwide
Monthly
$200/mo
Annual
$2,403/yr
Best for: Bundling home + auto
Farmers
Monthly
$208/mo
Annual
$2,496/yr
Best for: Signal telematics
Allstate
Monthly
$216/mo
Annual
$2,588/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$227/mo
Annual
$2,727/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 Iowa
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $470/mo | $5,638/yr |
| 19 years old | $284/mo | $3,410/yr |
| 21 years old | $226/mo | $2,716/yr |
| 25 years old | $149/mo | $1,786/yr |
| 30 years old | $123/mo | $1,476/yr |
| 40 years old | $116/mo | $1,387/yr |
| 50 years old | $112/mo | $1,343/yr |
| 65 years old | $122/mo | $1,461/yr |