2016 BMW 320i Car Insurance Calculator

Find out how different factors impact the cost of car insurance for a 2016 BMW 320i. Adjust rate factors like vehicle trim level, driving violations, and policy coverages to see how insurance cost is affected. Instantly discover if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2016 BMW 320i is $1,908 per year, or about $159 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

$1,908

Cost Per Month

$159

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 2016 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.

$1,908
Average Rate
Your Rate
$1,908

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 2016 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 2016 BMW 320i is $1,908.

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.

2016 BMW 320i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 BMW 320i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1BMW 228xi$1,616-$292
2Mercedes-Benz SLK 300$1,758-$150
3Volvo S60$1,766-$142
4Acura TLX$1,800-$108
5BMW 228i$1,826-$82
6BMW i3$1,834-$74
7Audi S3$1,854-$54
8BMW 340i$1,874-$34
9BMW 335xi$1,884-$24
10BMW 328i$1,892-$16
11Lexus CT 200H$1,896-$12
12Audi A4$1,906-$2
13BMW 320i$1,908--
2016 Small Luxury Car Average$1,917$9
14Mercedes-Benz SLK 350$1,920$12
15BMW 328d$1,932$24
16BMW M235i$1,934$26
17Lexus RC 200T$1,942$34
18Cadillac ATS$1,950$42
19Mercedes-Benz B250E$1,968$60
20Mercedes-Benz C300$1,982$74
21BMW 328xi$2,000$92
22Lexus RC 350$2,004$96
23BMW 330e$2,010$102
24Lexus IS 200T$2,038$130
25Lexus GS 200T$2,168$260
26Lexus IS 350$2,172$264

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.

2016 320i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 BMW 320i Insurance Rates by Trim Level
2016 BMW 320i Trim Level Annual Premium Cost Per Month
Sedan$1,904$159
xDrive Sedan$1,914$160

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 2016 BMW 320i for different driver ages.

2016 BMW 320i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,927$577
17$6,676$556
18$5,915$493
19$5,407$451
20$4,124$344
21$3,931$328
22$3,508$292
23$2,898$242
24$2,730$228
25$2,214$185
30$2,026$169
35$1,964$164
40$1,908$159
45$1,790$149
50$1,698$142
55$1,584$132
60$1,588$132
65$1,694$141
70$1,844$154
75$2,188$182
80$2,700$225

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.