2019 BMW 230i Car Insurance Calculator

Watch in real-time how choices you make impact the cost of car insurance for a 2019 BMW 230i. Make changes to factors like your marital status, location, and homeowner status to see their effect on premiums. Immediately discover whether your selection increases or decreases your premium.

The average estimated car insurance premium for a 2019 BMW 230i is $2,058 per year, or about $172 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,058

Cost Per Month

$172

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

BMW 230i Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2019 BMW 230i.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,058
Average Rate
Your Rate
$2,058

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2019 BMW 230i trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2019 BMW 230i is $2,058.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2019 BMW 230i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2019 BMW 230i against all other models in the small luxury car segment. The BMW 230i is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the BMW 230i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 230i.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2019 BMW 230i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz A220$1,994-$64
2Acura TLX$2,006-$52
3BMW 330i$2,018-$40
4BMW 230i$2,058--
5Audi S3$2,074$16
6Volvo S60$2,102$44
7Lexus RC 350$2,162$104
8Genesis G70$2,170$112
2019 Small Luxury Car Average$2,179$121
9BMW i3$2,184$126
10Alfa Romeo Giulia$2,192$134
11Mercedes-Benz C300$2,242$184
12Cadillac ATS$2,258$200
13Audi A4$2,268$210
14Lexus IS 350$2,282$224
15BMW M240i$2,288$230
16BMW 340i$2,564$506

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2019 230i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 BMW 230i.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2019 BMW 230i Insurance Rates by Trim Level
2019 BMW 230i Trim Level Annual Premium Cost Per Month
Coupe$2,024$169
Convertible$2,058$172
xDrive Convertible$2,058$172
xDrive Coupe$2,084$174

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2019 BMW 230i for different driver ages.

2019 BMW 230i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,225$602
17$7,044$587
18$6,399$533
19$5,790$483
20$4,452$371
21$4,246$354
22$3,813$318
23$3,096$258
24$2,938$245
25$2,390$199
30$2,200$183
35$2,108$176
40$2,058$172
45$1,916$160
50$1,812$151
55$1,694$141
60$1,700$142
65$1,814$151
70$1,938$162
75$2,260$188
80$2,786$232

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all BMW 230i trim levels.