BMW 3 Series Insurance in North Carolina (2026)
Quick Answer
Full coverage for a 2024 BMW 3 Series in North Carolina costs $186/month ($2,236/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW 3 Series Rates by Company in North Carolina
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $138/mo | $1,655/yr | Military families |
| Erie Insurance | $147/mo | $1,766/yr | Rate lock guarantee |
| GEICO | $153/mo | $1,834/yr | Clean driving record |
| Progressive | $164/mo | $1,968/yr | Telematics savings |
| State Farm | $170/mo | $2,035/yr | Good students |
| Travelers | $177/mo | $2,124/yr | Multiple discounts |
| Nationwide | $194/mo | $2,325/yr | Bundling home + auto |
| Farmers | $201/mo | $2,415/yr | Signal telematics |
| Allstate | $209/mo | $2,504/yr | Accident forgiveness |
| Liberty Mutual | $220/mo | $2,638/yr | New car replacement |
USAACheapest
Monthly
$138/mo
Annual
$1,655/yr
Best for: Military families
Erie Insurance
Monthly
$147/mo
Annual
$1,766/yr
Best for: Rate lock guarantee
GEICO
Monthly
$153/mo
Annual
$1,834/yr
Best for: Clean driving record
Progressive
Monthly
$164/mo
Annual
$1,968/yr
Best for: Telematics savings
State Farm
Monthly
$170/mo
Annual
$2,035/yr
Best for: Good students
Travelers
Monthly
$177/mo
Annual
$2,124/yr
Best for: Multiple discounts
Nationwide
Monthly
$194/mo
Annual
$2,325/yr
Best for: Bundling home + auto
Farmers
Monthly
$201/mo
Annual
$2,415/yr
Best for: Signal telematics
Allstate
Monthly
$209/mo
Annual
$2,504/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$220/mo
Annual
$2,638/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 North Carolina
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $455/mo | $5,455/yr |
| 19 years old | $275/mo | $3,299/yr |
| 21 years old | $219/mo | $2,628/yr |
| 25 years old | $144/mo | $1,728/yr |
| 30 years old | $119/mo | $1,428/yr |
| 40 years old | $112/mo | $1,342/yr |
| 50 years old | $108/mo | $1,299/yr |
| 65 years old | $118/mo | $1,414/yr |