BMW i3 Car Insurance Cost
Getting insurance for a BMW i3 with 21st Century costs around $1,408 per year. However, this amount can change depending on your age, the car’s model year, and other factors. Check our quote tables below to find out how much it could cost you.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a BMW i3, one of the many factors you’ll need to consider is the cost of insurance. After all, insurance is a significant part of car ownership, and it’s crucial to know what you’re getting into before you make your purchase.
Not carefully selecting a good car insurance policy can lead to unexpected and potentially high costs down the road. The last thing you want to happen is to have insufficient coverage when an accident occurs, leaving you with hefty out-of-pocket expenses. And let’s not forget about potential increases in premiums if you’re found at fault.
With over a decade of experience analyzing car insurance rates, I’ve seen just how much these costs can vary. Factors such as your age, driving record, and even where you live can significantly influence your insurance premiums.
How Much Does BMW i3 Car Insurance Cost?
On average, 21st Century offers the most competitive rate at $1,408 per year for full coverage insurance on a 2021 BMW i3.
While Mercury’s rate is an excellent benchmark, it’s important to understand that the cost of car insurance can vary widely depending on numerous factors. These include your location, driving history, your car’s model year, and the specific coverage levels you choose. A clean driving record can lead to lower premiums, while a history of accidents or traffic violations can increase your costs.
Additionally, living in an urban area with high traffic may result in higher rates compared to rural areas with less traffic. The type of coverage you choose will also impact your premium – full coverage insurance, which includes comprehensive and collision coverage, will be more expensive than minimum liability coverage.
Insuranceopedia is here to help you shop around and compare quotes from different insurance companies to ensure you’re getting the best deal.
2021 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| CSAA | $2,204 |
| Unitrin | $2,053 |
| Farmers | $2,269 |
| Penn National | $1,609 |
| Hartford | $2,074 |
| Nationwide | $2,396 |
| California Capital | $1,800 |
| Mercury | $1,410 |
| 21st Century | $1,408 |
| USAA | $1,800 |
2020 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Auto Club | $2,767 |
| Unitrin | $1,911 |
| Farmers | $2,075 |
| Grange | $2,415 |
| Metropolitan | $3,062 |
| CSAA | $2,426 |
| Hartford | $2,127 |
| Mercury | $1,712 |
| California Capital | $2,170 |
| Nationwide | $3,165 |
2019 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Penn National | $1,103 |
| Mercury | $2,148 |
| 21st Century | $2,314 |
| Auto-Owners Insurance Co | $1,732 |
| Nationwide | $2,269 |
| Donegal Mutual Insurance Co | $2,167 |
| California Capital | $2,288 |
| Virginia Farm Bureau | $1,108 |
| USAA | $1,833 |
| Farmers | $2,399 |
2018 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,002 |
| National General | $606 |
| Erie | $2,349 |
| Republic Indemnity | $1,713 |
| Mercury | $2,099 |
| Allied | $1,708 |
| Chubb | $2,042 |
| New Jersey Manufacturers | $2,252 |
| USAA | $1,703 |
| 21st Century | $1,742 |
2017 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Allied | $2,506 |
| California Capital | $2,342 |
| North Star | $2,418 |
| West Bend Mutual | $2,718 |
| 21st Century | $2,134 |
| Direct Auto | $2,148 |
| Country | $2,128 |
| Capital Insurance Group | $2,713 |
| Farm Bureau Mutual (IA Group) | $1,252 |
| USAA | $1,772 |
2016 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| USAA | $1,976 |
| Unitrin | $2,610 |
| Erie | $1,657 |
| Texas Farm Bureau Group | $1,000 |
| Mercury | $2,659 |
| Republic Indemnity | $2,705 |
| Penn National | $2,498 |
| Kemper Auto Premier | $804 |
| Mercury Insurance Company | $511 |
| Direct Auto | $1,803 |
2015 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Country | $1,556 |
| Ameriprise Group | $1,258 |
| Safeco | $286 |
| Infinity Special | $1,314 |
| Mercury Insurance Company | $1,054 |
| National General Value | $1,498 |
| Farm Bureau Mutual (IA Group) | $1,168 |
| Kemper Auto | Infinity | $937 |
| SafeAuto | $1,490 |
| USAA | $1,456 |
2014 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| PEMCO | $978 |
| Buckeye Insurance Group | $563 |
| Oregon Mutual | $1,248 |
| Kemper Auto Premier | $461 |
| SECURA Insurance | $1,320 |
| Texas Farm Bureau Group | $884 |
| SafeAuto | $350 |
| New Jersey Manufacturers | $999 |
| Safeco | $228 |
| Country | $1,194 |
2013 BMW i3 Insurance Rates
| Insurance Provider | Average Annual Cost |
| Unitrin | $2,715 |
| Mercury Insurance Company | $3,516 |
| Infinity Special | $8,787 |
| Dairyland Auto | $10,486 |
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Cost of BMW i3 Car Insurance By Age
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,589 | $14,133 | $16,536 |
| 18 | $8,999 | $13,152 | $15,435 |
| 19 | $7,927 | $11,699 | $13,592 |
| 20 | $6,953 | $10,185 | $11,863 |
| 21 | $5,755 | $8,473 | $10,006 |
| 22 | $5,645 | $8,286 | $9,733 |
| 23 | $4,915 | $7,288 | $8,479 |
| 24 | $4,719 | $6,945 | $8,055 |
| 25 | $4,030 | $5,906 | $6,944 |
| 30 | $3,120 | $4,638 | $5,447 |
| 35 | $2,934 | $4,316 | $5,036 |
| 40 | $2,871 | $4,156 | $4,911 |
| 45 | $2,730 | $4,090 | $4,739 |
| 55 | $2,515 | $3,681 | $4,399 |
| 65 | $2,653 | $3,843 | $4,522 |
| 75 | $3,321 | $4,885 | $5,738 |
BMW i3 Car Insurance Rates By State
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,981 | $4,345 | $5,553 |
| Alaska | $2,538 | $3,444 | $3,380 |
| Arizona | $2,783 | $4,124 | $6,012 |
| Arkansas | $3,098 | $4,852 | $5,354 |
| California | $3,416 | $6,133 | $3,447 |
| Colorado | $3,245 | $4,449 | $5,717 |
| Connecticut | $4,118 | $6,399 | $8,035 |
| Delaware | $3,404 | $4,539 | $5,849 |
| Florida | $4,065 | $5,572 | $7,334 |
| Georgia | $3,321 | $4,974 | $4,966 |
| Hawaii | $1,356 | $1,791 | $1,348 |
| Idaho | $2,324 | $3,039 | $3,729 |
| Illinois | $2,355 | $3,639 | $4,111 |
| Indiana | $2,414 | $3,724 | $4,182 |
| Iowa | $1,973 | $2,682 | $3,101 |
| Kansas | $2,639 | $3,806 | $4,377 |
| Kentucky | $3,795 | $5,478 | $6,500 |
| Louisiana | $4,802 | $7,287 | $7,916 |
| Maine | $1,858 | $2,505 | $3,759 |
| Maryland | $2,971 | $4,290 | $4,794 |
| Massachusetts | $2,352 | $4,108 | $2,344 |
| Michigan | $5,700 | $8,727 | $13,733 |
| Minnesota | $2,356 | $3,081 | $4,449 |
| Mississippi | $2,857 | $4,059 | $4,064 |
| Missouri | $2,659 | $3,775 | $4,970 |
| Montana | $2,706 | $3,797 | $4,412 |
| Nebraska | $2,278 | $3,434 | $3,653 |
| Nevada | $3,790 | $5,608 | $5,939 |
| New Hampshire | $2,591 | $4,165 | $5,265 |
| New Jersey | $2,861 | $4,499 | $5,972 |
| New Mexico | $2,936 | $4,390 | $4,527 |
| New York | $2,738 | $3,454 | $5,763 |
| North Carolina | $1,696 | $2,939 | $2,063 |
| North Dakota | $2,350 | $3,509 | $4,215 |
| Ohio | $2,042 | $3,152 | $3,287 |
| Oklahoma | $3,291 | $4,759 | $5,378 |
| Oregon | $3,018 | $4,092 | $4,808 |
| Pennsylvania | $2,558 | $3,747 | $4,351 |
| Rhode Island | $4,268 | $6,200 | $6,965 |
| South Carolina | $2,882 | $4,024 | $5,462 |
| South Dakota | $2,554 | $3,692 | $4,308 |
| Tennessee | $2,990 | $4,509 | $5,942 |
| Texas | $3,024 | $4,426 | $5,456 |
| Utah | $2,594 | $3,644 | $5,039 |
| Vermont | $2,025 | $3,108 | $3,279 |
| Virginia | $1,930 | $2,943 | $2,840 |
| Washington | $2,489 | $3,342 | $4,094 |
| West Virginia | $2,495 | $3,617 | $4,498 |
| Wisconsin | $2,513 | $3,896 | $4,498 |
| Wyoming | $2,365 | $3,309 | $3,521 |
Compare BMW i3 To Other BMW Models
Looking for other BMW model insurance costs?
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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