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///M3 Forum
The BMW E46 ///M3 is the M version E46 and puts out an amazing 333 HP and 262 lb-ft of torque at stock specs! There are an amazing amount of modifications for both the coupe and convertible models so read up and get started modifying your cars today!

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Old 02-12-2013, 04:22 PM   #1
Ramseyd
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m3 questionnnnn

OK so i hope there is not a thread on this already but i own a 323i right now and i am here at the end of the month looking into buying a M3 around 02-05 range and i was curious on what the insurance is? like what do you guys think the increase will be? what do you guys pay? thankyou this will be very helpful
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Old 02-12-2013, 04:28 PM   #2
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There are several factors affecting cost of insurance. To quickly answer your question, yes your insurance will go up from what you currently pay for your 323i to an ///M.

Depending on the amount of coverage you choose, your driving record,

In my case I shell out about $800/yr for my ///M - full coverage. I would guess (assuming you have a perfect driving record and are over 25) that the difference should be no more than about $100-$120/yr from what you're already paying.

How much it will go up depends on the insurance you choose. For me it was worth the cost of having my ///M and I'm enjoying the heck out of mine! Good luck but be sure to choose an ///M that has excellent maintenance history and has not been abused.
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Old 02-12-2013, 04:33 PM   #3
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What is your age, home zip code, driving record and credit score? All affect your insurance rate.
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Old 02-12-2013, 04:34 PM   #4
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For me it was cheap. Get quotes. That's the only way you're going to find out. Asking us what we pay is not going to help you.

And what's with the annoying trend of putting a bunch of extra letters at the end of words.
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Old 02-12-2013, 05:03 PM   #5
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I'm on my patents and 18
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Old 02-12-2013, 06:30 PM   #6
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I'm on my patents and 18

You make a living off patents?
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Old 02-12-2013, 06:51 PM   #7
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Maybe he does intellectual property law.
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Old 02-12-2013, 08:33 PM   #8
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Maybe he does intellectual property law.


Thats a risky insurance group. Higher rates.
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Old 02-12-2013, 09:32 PM   #9
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I had the best luck with geico and progressive. Just take the time build some quotes online
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Old 02-12-2013, 09:33 PM   #10
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You guys are so lucky. I pay 300/month in BC.
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Old 02-12-2013, 09:41 PM   #11
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I'm on there insurance because I can be.... They said it doesn't matter to them and they don't feel like taking the time to remove me so for now it's fine. So I'm not complaining and going to beg for my own.. But thanks for the help I was just curious.
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Old 02-12-2013, 09:53 PM   #12
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^ I'm still on my father's insurance because it's way cheaper for me and it's the best insurance around!

23y.o., bad accident on my record, and I have a few (insurance) points, as they stick around longer than they do for my state's records - I pay I think it's 1700/yr full coverage.
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Old 02-12-2013, 09:55 PM   #13
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Yeah I have quite a bad record also so it's probably better for me to stay on there's until mine lowers in price
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Old 02-12-2013, 09:57 PM   #14
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As per a quote I did 1 week ago, the m3 is $6 a month cheaper for me.
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Old 02-12-2013, 09:59 PM   #15
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As per a quote I did 1 week ago, the m3 is $6 a month cheaper for me.
What kind of car do you own? Is the m3 like high performance under insurance?
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Old 02-12-2013, 10:00 PM   #16
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What kind of car do you own? Is the m3 like high performance under insurance?
Just call your insurance.
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Old 02-12-2013, 10:03 PM   #17
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So you're 18, already have a bad driving record, and you want an M3?

This can only end well.
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Old 02-12-2013, 10:06 PM   #18
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So you're 18, already have a bad driving record, and you want an M3?

This can only end well.
Quick to judge without knowing the facts... Had my license suspended for passing through a bus stop sign at a confusing intersection when the driver didn't have the sign out. Lost at court and yeah.
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Old 02-12-2013, 10:07 PM   #19
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Yeah I have quite a bad record also so it's probably better for me to stay on there's until mine lowers in price

I predict that you/your parent's policy will get brutalized.
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Old 02-12-2013, 10:16 PM   #20
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I predict that you/your parent's policy will get brutalized.
Read what I just said..... Everyone on here is so quick to jump into things and try to start online arguments. It Isn't effecting my insurance for a very long time..
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