BMW 320i Car Insurance Calculator

Learn visually how changing risk factors impact the cost of car insurance for a BMW 320i. Ajust options like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2018 BMW 320i is $1,992 per year, or about $166 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

$1,992

Cost Per Month

$166

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 320i 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 BMW 320i.

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.

$1,992
Average Rate
Your Rate
$1,992

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.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year BMW 320i.

The 'Average Rate' is a combined value for all BMW 320i 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 2018 BMW 320i is $1,992.

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.

2018 BMW 320i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2018 BMW 320i against all other models in the small luxury car segment. The BMW 320i 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 320i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 320i.

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

2018 BMW 320i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TLX$1,908-$84
2Volvo S60$1,916-$76
3BMW 230i$1,956-$36
4BMW 330i$1,962-$30
5Audi S3$1,972-$20
6BMW 320i$1,992--
7Alfa Romeo Giulia$2,006$14
8BMW 328d$2,036$44
9Lexus RC 350$2,056$64
10BMW i3$2,074$82
2018 Small Luxury Car Average$2,078$86
11BMW 330e$2,114$122
12Mercedes-Benz C300$2,138$146
13Cadillac ATS$2,142$150
14Audi A4$2,146$154
15Lexus IS 350$2,154$162
16BMW M240i$2,156$164
17Mercedes-Benz AMG SLC43$2,164$172
18Audi RS 3$2,184$192
19BMW 340i$2,414$422

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.

2018 320i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 BMW 320i.

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.

2018 BMW 320i Insurance Rates by Trim Level
2018 BMW 320i Trim Level Annual Premium Cost Per Month
Sedan$1,964$164
xDrive Sedan$2,018$168

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 2018 BMW 320i for different driver ages.

2018 BMW 320i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,063$589
17$6,846$571
18$6,141$512
19$5,592$466
20$4,287$357
21$4,092$341
22$3,666$306
23$3,012$251
24$2,846$237
25$2,310$193
30$2,124$177
35$2,046$171
40$1,992$166
45$1,862$155
50$1,766$147
55$1,646$137
60$1,652$138
65$1,760$147
70$1,896$158
75$2,228$186
80$2,740$228

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 320i trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the BMW 320i.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average BMW 320i Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2018 BMW 320i$1,992$166
2017 BMW 320i$1,888$157
2016 BMW 320i$1,908$159
2015 BMW 320i$1,806$151
2014 BMW 320i$1,718$143
2013 BMW 320i$1,610$134

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 BMW 320i trim levels for each model year.