BMW 3 Series Insurance in Texas (2026)
Quick Answer
Full coverage for a 2024 BMW 3 Series in Texas costs $316/month ($3,796/year). Safety rating: 5/5. Theft risk: medium.
✓ Updated March 2026✓ Based on state insurance filings
BMW 3 Series Rates by Company in Texas
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $234/mo | $2,809/yr | Military families |
| Erie Insurance | $250/mo | $2,999/yr | Rate lock guarantee |
| GEICO | $259/mo | $3,113/yr | Clean driving record |
| Progressive | $278/mo | $3,340/yr | Telematics savings |
| State Farm | $288/mo | $3,454/yr | Good students |
| Travelers | $301/mo | $3,606/yr | Multiple discounts |
| Nationwide | $329/mo | $3,948/yr | Bundling home + auto |
| Farmers | $342/mo | $4,100/yr | Signal telematics |
| Allstate | $354/mo | $4,252/yr | Accident forgiveness |
| Liberty Mutual | $373/mo | $4,479/yr | New car replacement |
USAACheapest
Monthly
$234/mo
Annual
$2,809/yr
Best for: Military families
Erie Insurance
Monthly
$250/mo
Annual
$2,999/yr
Best for: Rate lock guarantee
GEICO
Monthly
$259/mo
Annual
$3,113/yr
Best for: Clean driving record
Progressive
Monthly
$278/mo
Annual
$3,340/yr
Best for: Telematics savings
State Farm
Monthly
$288/mo
Annual
$3,454/yr
Best for: Good students
Travelers
Monthly
$301/mo
Annual
$3,606/yr
Best for: Multiple discounts
Nationwide
Monthly
$329/mo
Annual
$3,948/yr
Best for: Bundling home + auto
Farmers
Monthly
$342/mo
Annual
$4,100/yr
Best for: Signal telematics
Allstate
Monthly
$354/mo
Annual
$4,252/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$373/mo
Annual
$4,479/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 Texas
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $772/mo | $9,260/yr |
| 19 years old | $467/mo | $5,599/yr |
| 21 years old | $372/mo | $4,460/yr |
| 25 years old | $244/mo | $2,933/yr |
| 30 years old | $202/mo | $2,424/yr |
| 40 years old | $190/mo | $2,279/yr |
| 50 years old | $184/mo | $2,206/yr |
| 65 years old | $200/mo | $2,400/yr |