2017 BMW 320i Car Insurance Calculator

Learn visually how different factors impact car insurance rates for a 2017 BMW 320i. Modify options like driving violations, coverage levels, and mileage driven to see their impact. Immediately discover if the option you change results in higher or lower rates and learn why.

The average estimated car insurance premium for a 2017 BMW 320i is $1,888 per year, or about $157 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

$1,888

Cost Per Month

$157

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 2017 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.

$1,888
Average Rate
Your Rate
$1,888

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 2017 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 2017 BMW 320i is $1,888.

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.

2017 BMW 320i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2017 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.

2017 BMW 320i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura TLX$1,806-$82
2BMW 230i$1,848-$40
3BMW 330i$1,870-$18
4Volvo S60$1,886-$2
5BMW 320i$1,888--
6Audi S3$1,890$2
7Alfa Romeo Giulia$1,922$34
8BMW 328d$1,926$38
9BMW 330xi$1,952$64
10Lexus RC 350$1,970$82
11BMW 330e$1,978$90
12BMW i3$1,992$104
13BMW 328xi$2,008$120
2017 Small Luxury Car Average$2,015$127
14Mercedes-Benz C300$2,036$148
15Cadillac ATS$2,048$160
16Audi A4$2,054$166
17BMW M240i$2,056$168
18Lexus IS 350$2,066$178
19Mercedes-Benz B250E$2,068$180
20Mercedes-Benz AMG SLC43$2,072$184
21Lexus RC 200T$2,082$194
22Lexus IS 200T$2,088$200
23Audi RS 3$2,166$278
24Lexus CT 200H$2,192$304
25BMW 340i$2,256$368
26Lexus GS 200T$2,280$392

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.

2017 320i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2017 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.

2017 BMW 320i Insurance Rates by Trim Level
2017 BMW 320i Trim Level Annual Premium Cost Per Month
Sedan$1,888$157
xDrive Sedan$1,888$157

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 2017 BMW 320i for different driver ages.

2017 BMW 320i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,709$559
17$6,494$541
18$5,810$484
19$5,296$441
20$4,056$338
21$3,871$323
22$3,467$289
23$2,855$238
24$2,697$225
25$2,188$182
30$2,010$168
35$1,940$162
40$1,888$157
45$1,766$147
50$1,676$140
55$1,564$130
60$1,568$131
65$1,668$139
70$1,802$150
75$2,120$177
80$2,610$218

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.