BMW 3 Series Insurance in Kentucky (2026)
Quick Answer
Full coverage for a 2024 BMW 3 Series in Kentucky costs $327/month ($3,928/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW 3 Series Rates by Company in Kentucky
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $242/mo | $2,907/yr | Military families |
| Erie Insurance | $259/mo | $3,103/yr | Rate lock guarantee |
| GEICO | $268/mo | $3,221/yr | Clean driving record |
| Progressive | $288/mo | $3,457/yr | Telematics savings |
| State Farm | $298/mo | $3,574/yr | Good students |
| Travelers | $311/mo | $3,732/yr | Multiple discounts |
| Nationwide | $340/mo | $4,085/yr | Bundling home + auto |
| Farmers | $354/mo | $4,242/yr | Signal telematics |
| Allstate | $367/mo | $4,399/yr | Accident forgiveness |
| Liberty Mutual | $386/mo | $4,635/yr | New car replacement |
USAACheapest
Monthly
$242/mo
Annual
$2,907/yr
Best for: Military families
Erie Insurance
Monthly
$259/mo
Annual
$3,103/yr
Best for: Rate lock guarantee
GEICO
Monthly
$268/mo
Annual
$3,221/yr
Best for: Clean driving record
Progressive
Monthly
$288/mo
Annual
$3,457/yr
Best for: Telematics savings
State Farm
Monthly
$298/mo
Annual
$3,574/yr
Best for: Good students
Travelers
Monthly
$311/mo
Annual
$3,732/yr
Best for: Multiple discounts
Nationwide
Monthly
$340/mo
Annual
$4,085/yr
Best for: Bundling home + auto
Farmers
Monthly
$354/mo
Annual
$4,242/yr
Best for: Signal telematics
Allstate
Monthly
$367/mo
Annual
$4,399/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$386/mo
Annual
$4,635/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes
BMW 3 Series Insurance by Age in Kentucky
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $798/mo | $9,581/yr |
| 19 years old | $483/mo | $5,793/yr |
| 21 years old | $385/mo | $4,615/yr |
| 25 years old | $253/mo | $3,035/yr |
| 30 years old | $209/mo | $2,508/yr |
| 40 years old | $197/mo | $2,358/yr |
| 50 years old | $190/mo | $2,282/yr |
| 65 years old | $207/mo | $2,483/yr |