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I don't know abut the 3, but insuring my 2014 S is expensive. I suspect that while insurance companies have a big accident database, what they charge is based on the maximum they can get the public to pay.

My daughter slid my 2014 S into a curb. Not a body panel was touched. Would have needed pretty much replacement of suspension parts on side of car she slid in to.

Car was totaled. THAT's why insurance is expensive.
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