2020 BMW 430i Car Insurance Calculator

Discover and learn how decisions you make impact the cost of car insurance for a 2020 BMW 430i. Experiment with options like driver's age, policy discounts, and vehicle trim level to see how rates are affected. Know immediately if rates go up or down and learn why.

The average estimated car insurance premium for a 2020 BMW 430i is $2,666 per year, or about $222 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

$2,666

Cost Per Month

$222

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 2020 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.

$2,666
Average Rate
Your Rate
$2,666

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 2020 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 2020 BMW 430i is $2,666.

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.

2020 BMW 430i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2020 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.

2020 BMW 430i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$780
2Lexus RC 300$2,168-$498
3Mercedes-Benz SLC300$2,230-$436
4Lexus ES 350$2,238-$428
5Lincoln MKZ$2,248-$418
6Mercedes-Benz AMG CLA45$2,268-$398
7Jaguar XE$2,272-$394
8Lexus IS 300$2,276-$390
9Audi A3$2,316-$350
10Cadillac CT5$2,354-$312
11Audi S5$2,414-$252
12Lexus GS 350$2,478-$188
13Mercedes-Benz E350$2,488-$178
14Lexus ES 300H$2,526-$140
15Audi S4$2,550-$116
16BMW 530i$2,558-$108
17BMW 540i$2,582-$84
18Mercedes-Benz CLA250$2,598-$68
19Genesis G80$2,604-$62
20Audi A6$2,614-$52
21Mercedes-Benz E450$2,644-$22
22BMW 430i$2,666--
23Mercedes-Benz CLS450$2,700$34
24Jaguar XF$2,702$36
2020 Midsize Luxury Car Average$2,704$38
25BMW 440i$2,796$130
26Mercedes-Benz AMG C43$2,804$138
27Mercedes-Benz SL450$2,822$156
28Audi RS 5$2,838$172
29Audi S6$2,898$232
30Infiniti Q50$2,926$260
31BMW 530e$2,942$276
32Lexus GS F$3,016$350
33Mercedes-Benz AMG C63$3,056$390
34BMW M550i$3,110$444
35Mercedes-Benz SL550$3,136$470
36Tesla Model S$3,192$526
37Audi A7$3,236$570
38Lexus LC 500H$3,320$654
39Audi S7$3,444$778
40BMW M8$3,448$782
41BMW M5$3,494$828

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.

2020 430i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 BMW 430i Insurance Rates by Trim Level
2020 BMW 430i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,440$203
Gran Coupe Luxury Coupe$2,520$210
Gran Coupe Sport Coupe$2,520$210
xDrive Gran Coupe$2,520$210
xDrive Gran Coupe Luxury$2,520$210
Sport Convertible$2,564$214
xDrive Convertible$2,564$214
xDrive Executive Convertible$2,564$214
xDrive Sport Convertible$2,564$214
xDrive Gran Coupe Sport$2,582$215
Convertible$2,680$223
Executive Convertible$2,712$226
Coupe$2,750$229
Executive Coupe$2,810$234
Sport Coupe$2,810$234
xDrive Coupe$2,854$238
xDrive Executive Coupe$2,854$238
xDrive Sport Coupe$2,916$243
Competition Convertible$2,918$243

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 2020 BMW 430i for different driver ages.

2020 BMW 430i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,491$791
17$9,234$770
18$8,345$695
19$7,561$630
20$5,802$484
21$5,534$461
22$4,962$414
23$4,037$336
24$3,828$319
25$3,102$259
30$2,852$238
35$2,738$228
40$2,666$222
45$2,484$207
50$2,350$196
55$2,196$183
60$2,206$184
65$2,352$196
70$2,532$211
75$2,970$248
80$3,668$306

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.