BMW M3 Car Insurance

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The BMW M3 is a high-performance sports sedan known for its powerful engine, sharpened chassis, and track-focused heritage. It appeals to enthusiasts seeking precise driving dynamics and everyday premium status.

BMW M3 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the BMW M3 fluctuate significantly, dropping from $2880 to $2022, then to $1746 and $1734, before rising back to $2246 in 2025 and easing to $2175 in 2026. Despite these swings, the overall trend across the period is downward compared to the $2880 peak seen in 2021.

To find the best insurance for your BMW M3 vehicle, it is more important than ever to compare the available options.

Get low-cost insurance for your BMW M3

How much does insurance for your BMW M3 cost in Quebec?

Premiums are highest in Terrebonne ($3242), Quebec City ($2798), and Lévis ($2478), while Saguenay ($576) and Gatineau ($1736) show the lowest amounts. The gap between the most and least expensive cities is particularly pronounced for this model.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City	Average price over the last 12 months
GATINEAU	$1736.44
LAVAL	$2108.06
LÉVIS	$2478.30
MONTRÉAL	$2243.12
QUÉBEC	$2797.90
Saguenay	$576.08
SHERBROOKE	$1775.06
TERREBONNE	$3241.66

Frequently asked questions (FAQ)

How much does auto insurance cost for a BMW M3?

The average premium for a BMW M3 varies by year, ranging from $2880 in 2021 to $2175 in 2026, with notable fluctuations in between, including a low of $1734 in 2024.

Is auto insurance mandatory in Quebec?

Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.

Why did the M3's premium vary so much between 2021 and 2026?

The premium dropped from $2880 to $1734 before rising again to $2246 and then $2175. These swings likely reflect adjustments in risk assessment for this high-performance sports vehicle.

Which city offers the lowest insurance cost for a BMW M3?

Based on the data provided, Saguenay ($576) and Gatineau ($1736) show the lowest average premiums for this model.

Which city has the highest insurance cost for a BMW M3?

Terrebonne ($3242) and Quebec City ($2798) show the highest average premiums among the cities provided.

What factors influence the premium for a BMW M3?

Engine power, specialized parts costs, the vehicle's sports classification, and the driver's risk profile all strongly influence the M3's insurance premium.

MERCEDES-BENZ
C63
AMG

AUDI
RS3

ALFA
ROMEO
GIULIA

CADILLAC
CT4-V

Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
Last updated: 08/13/2026

Model version by year

Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

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