2023 BMW 330i Car Insurance Calculator

Find out how changing risk factors affect the cost of insurance for a 2023 BMW 330i. Make changes to factors like annual miles driven, vehicle usage, and gender of the driver to see how your rate changes. Know immediately if your choice raises or lowers your rate and learn exactly why.

The average estimated car insurance premium for a 2023 BMW 330i is $2,316 per year, or about $193 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

$2,316

Cost Per Month

$193

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 330i 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 2023 BMW 330i.

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.

$2,316
Average Rate
Your Rate
$2,316

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 2023 BMW 330i 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 2023 BMW 330i is $2,316.

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.

2023 BMW 330i vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2023 BMW 330i against all other models in the small luxury car segment. The BMW 330i 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 330i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 330i.

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

2023 BMW 330i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura Integra$2,046-$270
2BMW 330i$2,316--
3Acura TLX$2,352$36
4Cadillac CT4$2,382$66
5Genesis G70$2,430$114
6BMW 330e$2,466$150
7BMW 228i$2,478$162
8BMW 230i$2,496$180
2023 Small Luxury Car Average$2,509$193
9Mercedes-Benz C300$2,514$198
10Audi A4$2,526$210
11Volvo S60$2,530$214
12Lexus RC 350$2,536$220
13Audi S3$2,546$230
14Alfa Romeo Giulia$2,572$256
15BMW M235i$2,578$262
16Lexus IS 350$2,622$306
17Audi RS 3$2,720$404
18BMW M240i$2,776$460
19BMW M340i$2,784$468

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.

2023 330i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 BMW 330i.

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.

2023 BMW 330i Insurance Rates by Trim Level
2023 BMW 330i Trim Level Annual Premium Cost Per Month
Sedan$2,292$191
xDrive Sedan$2,340$195

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 2023 BMW 330i for different driver ages.

2023 BMW 330i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,109$676
17$7,881$657
18$7,115$593
19$6,465$539
20$4,974$415
21$4,748$396
22$4,264$355
23$3,494$291
24$3,308$276
25$2,686$224
30$2,472$206
35$2,378$198
40$2,316$193
45$2,160$180
50$2,048$171
55$1,910$159
60$1,916$160
65$2,038$170
70$2,188$182
75$2,558$213
80$3,140$262

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 330i trim levels.