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Wtf... are you serious OP, you are with All State. My friend has that too here in California got into accident... premium didn't went up either. (Fyi: accident forgiveness is not available in California).
Anyway how much warranty you have left. You already saw BMW hence the $12000 quote... so they probably flag the car (someone chime in here). But the 2nd quote from an indy is reasonable..but we need to know the extent of the subframe damage( bent). Wish we have 3rd option....(aftermarket parts)
Good luck OP
(On the side note: I don't know what's going on with that insurance you have)
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