2019 BMW 430i Car Insurance Calculator

Get instant feedback how different factors influence insurance rates for a 2019 BMW 430i. Set options like policy discounts, trim level, and driving violations and watch the impact each has on cost. See instantly if the changes you make raise or lower the cost of insurance.

The average estimated car insurance premium for a 2019 BMW 430i is $2,328 per year, or about $194 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

$2,328

Cost Per Month

$194

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 430i 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 2019 BMW 430i.

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.

$2,328
Average Rate
Your Rate
$2,328

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 2019 BMW 430i 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 2019 BMW 430i is $2,328.

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.

2019 BMW 430i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2019 BMW 430i against all other models in the midsize luxury car segment. The BMW 430i 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 430i, with green values denoting cheaper rates and red values indicating more expensive rates compared to the BMW 430i.

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

2019 BMW 430i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,850-$478
2Lexus IS 300$2,006-$322
3Lexus RC 300$2,094-$234
4Lexus ES 350$2,140-$188
5Lincoln MKZ$2,166-$162
6Mercedes-Benz SLC300$2,188-$140
7Mercedes-Benz AMG CLA45$2,198-$130
8Audi A3$2,236-$92
9Mercedes-Benz CLA250$2,260-$68
10Audi S5$2,264-$64
11Mercedes-Benz E300$2,274-$54
12Genesis G80$2,290-$38
13Lexus ES 300H$2,312-$16
14BMW 430i$2,328--
15Lexus GS 300$2,368$40
16Audi A6$2,378$50
17Audi S4$2,390$62
18Lexus GS 350$2,396$68
19Mercedes-Benz CLS450$2,410$82
20BMW 540i$2,442$114
21BMW 530i$2,444$116
22Mercedes-Benz E450$2,474$146
23Jaguar XF$2,484$156
2019 Midsize Luxury Car Average$2,497$169
24BMW 440i$2,498$170
25Mercedes-Benz AMG C43$2,552$224
26Mercedes-Benz SL450$2,560$232
27BMW 530e$2,598$270
28Infiniti Q50$2,614$286
29BMW M550i$2,726$398
30Audi RS 5$2,738$410
31BMW 640i$2,772$444
32Mercedes-Benz AMG C63$2,782$454
33Tesla Model S$2,788$460
34Lexus GS F$2,914$586
35Mercedes-Benz SL550$2,922$594
36Audi A7$2,946$618
37Lexus LC 500H$2,974$646
38BMW M5$3,134$806
39BMW M6$3,472$1,144

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.

2019 430i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 BMW 430i.

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.

2019 BMW 430i Insurance Rates by Trim Level
2019 BMW 430i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,200$183
Gran Coupe xDrive$2,260$188
Convertible$2,262$189
xDrive Convertible$2,262$189
Coupe$2,438$203
xDrive Coupe$2,540$212

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 2019 BMW 430i for different driver ages.

2019 BMW 430i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,266$689
17$8,045$670
18$7,281$607
19$6,592$549
20$5,062$422
21$4,828$402
22$4,331$361
23$3,520$293
24$3,338$278
25$2,708$226
30$2,488$207
35$2,386$199
40$2,328$194
45$2,168$181
50$2,052$171
55$1,918$160
60$1,924$160
65$2,056$171
70$2,208$184
75$2,584$215
80$3,188$266

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 430i trim levels.