Things to consider when insuring one
5-star overall crash rating
NHTSA’s top crash rating. Crash protection affects injury claims, which make up a large share of what auto insurance pays out.
Most owner complaints are about the electrical system
5 of 14 complaints to NHTSA mention it. Worth a look in a pre-purchase inspection.
Recalls
NHTSA has no recalls on record for the 2023 BMW 3 Series Sedan. A specific car can still have work outstanding from its seller, so check its VIN before you buy.
Crash test ratings
2023 BMW 3 Series Sedan 4 DR AWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 9%
2023 BMW 3 Series Sedan 4 DR RWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 9%
What owners report
14 complaints to NHTSA, 4 involving a crash, 2 injuries.
- Electrical system5
- Exterior lighting4
- Unknown or other4
- Engine3
- Forward collision avoidance2
- Service brakes2
- Vehicle speed control2
Insuring a 2023 BMW 3 Series Sedan?
An independent broker compares several insurers for you and can explain what matters for this car. Find one who writes auto where you live.
Other 2023 BMW models
Recalls, crash ratings and owner complaints are from the National Highway Traffic Safety Administration (NHTSA), last checked Oct 30, 2026. Complaints are owners’ reports and aren’t verified by NHTSA. This page is general information, not advice about a specific vehicle or policy.