BMW 3 Series insurance
M-Sport trims push premiums — non-M rates are competitive.
Insurers we'll compare
BMW 3 Series insurance FAQs
How much does it cost to insure a BMW 3 Series in South Africa?
Benchmark comprehensive premiums for the BMW 3 Series start from about R1550 per month. Your actual price depends on your age, suburb, claims history, annual mileage and whether the car is parked behind a gate or in a locked garage.
Which insurer is cheapest for a BMW 3 Series?
There is no single cheapest insurer. TempCover.co.za sends one form to Naked, King Price, Discovery Insure, MiWay and OUTsurance and ranks the BMW 3 Series quotes side by side so you can see the lowest premium for your profile.
Can I get short-term or temporary cover on a BMW 3 Series?
Yes. Select temporary or short-term cover in the quote form for hourly, daily or weekend cover on a executive like the 3 Series — useful for borrowed cars, test drives and gig driving.
Does a tracker lower BMW 3 Series insurance premiums?
Usually yes. Most South African insurers discount premiums when an approved tracking device is fitted, and some require one for higher-theft executive models.
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BMW 3 Series cover by city
Short-term cover for a BMW 3 Series
Cover measured in hours, not months — for a test drive, collecting a car you have just bought, or a single trip across town.
Single-day and multi-day cover for errands, deliveries, licence tests and cars sitting between annual policies.
Friday-evening-to-Monday-morning cover for road trips, December travel and borrowed cars over a long weekend.