2015 BMW M3 Car Insurance Calculator

View in real-time how life choices impact the cost of insurance for a 2015 BMW M3. Adjust rate factors like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately how much your choice changes rates and why.

The average estimated car insurance premium for a 2015 BMW M3 is $2,178 per year, or about $182 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,178

Cost Per Month

$182

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW M3 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2015 BMW M3.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,178
Average Rate
Your Rate
$2,178

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2015 BMW M3 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2015 BMW M3 is $2,178.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2015 BMW M3 vs. the Sports Car Segment

The table below compares insurance rates for the 2015 BMW M3 against all other models in the sports car segment. The BMW M3 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW M3, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW M3.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2015 BMW M3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,062-$1,116
2BMW Z4$1,508-$670
3Subaru WRX$1,538-$640
4Porsche Boxster$1,598-$580
5Porsche Cayman$1,632-$546
6Subaru BRZ$1,714-$464
7Audi TT$1,810-$368
8Ford Mustang$1,830-$348
9Nissan 370Z$1,840-$338
10Chevrolet Camaro$1,964-$214
11Alfa Romeo 4C$2,022-$156
2015 Sports Car Average$2,091-$87
12Porsche 911$2,120-$58
13Chevrolet Corvette$2,130-$48
14BMW M3$2,178--
15Dodge Challenger$2,182$4
16BMW M4$2,202$24
17Jaguar F-Type$2,290$112
18Dodge Viper$2,320$142
19Lexus RC F$2,344$166
20Audi R8$2,846$668
21Nissan GT-R$2,884$706
22BMW i8$2,972$794
23Maserati Granturismo$3,118$940

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2015 M3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 BMW M3.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2015 BMW M3 Insurance Rates by Trim Level
2015 BMW M3 Trim Level Annual Premium Cost Per Month
Sedan$2,178$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2015 BMW M3 for different driver ages.

2015 BMW M3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,728$644
17$7,479$623
18$6,690$558
19$6,103$509
20$4,676$390
21$4,462$372
22$3,997$333
23$3,294$275
24$3,108$259
25$2,526$211
30$2,318$193
35$2,238$187
40$2,178$182
45$2,036$170
50$1,930$161
55$1,800$150
60$1,804$150
65$1,920$160
70$2,076$173
75$2,444$204
80$3,008$251

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW M3 trim levels.