2014 BMW 320i Car Insurance Calculator

Observe in real-time how seemingly small changes influence insurance rates for a 2014 BMW 320i. Experiment with factors like your marital status, location, homeowner status, and credit rating. Instantly know if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2014 BMW 320i is $1,718 per year, or about $143 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

$1,718

Cost Per Month

$143

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 2014 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.

$1,718
Average Rate
Your Rate
$1,718

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 2014 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 2014 BMW 320i is $1,718.

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.

2014 BMW 320i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2014 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.

2014 BMW 320i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo S60$1,436-$282
2Mercedes-Benz SLK250$1,566-$152
3Mercedes-Benz C300$1,592-$126
4Cadillac ATS$1,634-$84
5Lexus CT 200H$1,646-$72
6BMW 328xi$1,702-$16
7BMW i3$1,712-$6
8BMW 320i$1,718--
9BMW 328i$1,732$14
10Mercedes-Benz SLK 350$1,740$22
2014 Small Luxury Car Average$1,749$31
11Lexus IS 350$1,768$50
12BMW 335xi$1,774$56
13BMW 228i$1,776$58
14Mercedes-Benz B-Electric Cell$1,784$66
15Mercedes-Benz C250$1,788$70
16Audi A4$1,810$92
17BMW Activehybrid 3$1,858$140
18BMW M235i$1,872$154
19Lexus IS 250$1,880$162
20BMW 328d$1,886$168
21Lexus IS F$1,894$176
22BMW 335i$1,902$184

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.

2014 320i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 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.

2014 BMW 320i Insurance Rates by Trim Level
2014 BMW 320i Trim Level Annual Premium Cost Per Month
Sedan$1,696$141
xDrive Sedan$1,738$145

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 2014 BMW 320i for different driver ages.

2014 BMW 320i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,266$522
17$6,021$502
18$5,299$442
19$4,861$405
20$3,698$308
21$3,527$294
22$3,141$262
23$2,611$218
24$2,454$205
25$1,992$166
30$1,820$152
35$1,766$147
40$1,718$143
45$1,612$134
50$1,532$128
55$1,430$119
60$1,432$119
65$1,526$127
70$1,670$139
75$1,988$166
80$2,456$205

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.