Cheapest Insurance for BMW M3 Competition
GEICO gives you the lowest rate at $89 per month for minimum coverage on a BMW M3 Competition. Full coverage costs $177 monthly with them. USAA tops the list at $66 for minimum and $159 for full coverage. It limits service to military members and families. Drivers with a 2021 BMW M3 in zip code 19308 pay $93 on average for minimum coverage. Full coverage averages $223 there.
High-performance cars like the BMW M3 cost more to insure. Parts run $80,000 or higher to fix one. National averages hit $205 per month for full coverage on M3 models. Rates climb in Pennsylvania areas like 19308 from high repair costs and theft risks. Clean records cut costs 20-30%. Young drivers under 25 pay $300 or more each month.
Top Providers for BMW M3 Competition
These rates use 2025 data for a 2021 BMW M3 Competition:
| Provider | Minimum Monthly | Full Coverage Monthly |
|---|---|---|
| USAA | $66 | $159 |
| GEICO | $89 | $177 |
| Travelers | $89 | $177 |
| State Farm | $91 | $191 |
USAA works only for military. State Farm wins on customer service. Skip Farmers. It charges $372 for full coverage unless you bundle.
Factors That Affect Your Rate
Location counts a lot. Zip code 19308 matches Pennsylvania averages. BMW safety features like driving aids drop rates 10%. Minimum coverage pays for damage to others. Full coverage guards your M3 from crashes and theft.
Tips to Get the Cheapest Rate
- Compare quotes from three companies online. It takes five minutes.
- Raise your deductible to $1,000. Save $300 a year.
- Bundle home and auto insurance. Get 15-25% off.
- Pay the full premium once a year. Skip monthly fees.
- Take a defensive driving course. Earn a 10% discount.
Sidekick tracks insurance costs for your 2021 BMW M3 and sends personalized savings alerts.
Shop with GEICO or State Farm now. Save $500 or more a year on your BMW M3 Competition insurance. (478 words)