BMW 3 Series Insurance in Montana (2026)
Quick Answer
Full coverage for a 2024 BMW 3 Series in Montana costs $215/month ($2,584/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW 3 Series Rates by Company in Montana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $159/mo | $1,912/yr | Military families |
| Erie Insurance | $170/mo | $2,041/yr | Rate lock guarantee |
| GEICO | $177/mo | $2,119/yr | Clean driving record |
| Progressive | $189/mo | $2,274/yr | Telematics savings |
| State Farm | $196/mo | $2,351/yr | Good students |
| Travelers | $205/mo | $2,455/yr | Multiple discounts |
| Nationwide | $224/mo | $2,687/yr | Bundling home + auto |
| Farmers | $233/mo | $2,791/yr | Signal telematics |
| Allstate | $241/mo | $2,894/yr | Accident forgiveness |
| Liberty Mutual | $254/mo | $3,049/yr | New car replacement |
USAACheapest
Monthly
$159/mo
Annual
$1,912/yr
Best for: Military families
Erie Insurance
Monthly
$170/mo
Annual
$2,041/yr
Best for: Rate lock guarantee
GEICO
Monthly
$177/mo
Annual
$2,119/yr
Best for: Clean driving record
Progressive
Monthly
$189/mo
Annual
$2,274/yr
Best for: Telematics savings
State Farm
Monthly
$196/mo
Annual
$2,351/yr
Best for: Good students
Travelers
Monthly
$205/mo
Annual
$2,455/yr
Best for: Multiple discounts
Nationwide
Monthly
$224/mo
Annual
$2,687/yr
Best for: Bundling home + auto
Farmers
Monthly
$233/mo
Annual
$2,791/yr
Best for: Signal telematics
Allstate
Monthly
$241/mo
Annual
$2,894/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$254/mo
Annual
$3,049/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 Montana
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $525/mo | $6,303/yr |
| 19 years old | $318/mo | $3,812/yr |
| 21 years old | $253/mo | $3,036/yr |
| 25 years old | $166/mo | $1,997/yr |
| 30 years old | $138/mo | $1,650/yr |
| 40 years old | $129/mo | $1,551/yr |
| 50 years old | $125/mo | $1,502/yr |
| 65 years old | $136/mo | $1,634/yr |