2021 BMW 430i Car Insurance Calculator

Explore and learn how decisions you make impact car insurance rates for a 2021 BMW 430i. Customize choices like credit rating, policy coverages, and liability limits and watch the impact on your premiums. See instantly how much rates change and learn exactly why.

The average estimated car insurance premium for a 2021 BMW 430i is $2,754 per year, or about $230 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

$2,754

Cost Per Month

$230

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 2021 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.

$2,754
Average Rate
Your Rate
$2,754

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 2021 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 2021 BMW 430i is $2,754.

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.

2021 BMW 430i vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2021 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.

2021 BMW 430i Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,946-$808
2Lexus RC 300$2,240-$514
3Lexus ES 350$2,310-$444
4Mercedes-Benz AMG CLA45$2,322-$432
5Lexus IS 300$2,352-$402
6Audi A3$2,386-$368
7Cadillac CT5$2,428-$326
8Audi S5$2,494-$260
9Mercedes-Benz E350$2,568-$186
10Lexus ES 300H$2,606-$148
11Audi S4$2,630-$124
12BMW 530i$2,638-$116
13BMW 540i$2,668-$86
14Mercedes-Benz CLA250$2,682-$72
15Genesis G80$2,692-$62
16Audi A6$2,698-$56
17Mercedes-Benz E450$2,732-$22
18BMW 430i$2,754--
19Jaguar XF$2,756$2
20Mercedes-Benz CLS450$2,790$36
2021 Midsize Luxury Car Average$2,813$59
21Mercedes-Benz AMG C43$2,880$126
22BMW 440i$2,894$140
23Audi RS 5$2,926$172
24Audi S6$2,994$240
25Infiniti Q50$3,016$262
26BMW 530e$3,032$278
27Mercedes-Benz AMG C63$3,158$404
28BMW M550i$3,220$466
29Tesla Model S$3,298$544
30Audi A7$3,344$590
31Lexus LC 500H$3,432$678
32Audi S7$3,562$808
33BMW M8$3,576$822
34BMW M5$3,612$858

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.

2021 430i Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 BMW 430i Insurance Rates by Trim Level
2021 BMW 430i Trim Level Annual Premium Cost Per Month
Gran Coupe$2,518$210
Gran Coupe Luxury Coupe$2,600$217
Gran Coupe Sport Coupe$2,600$217
xDrive Gran Coupe$2,600$217
xDrive Gran Coupe Luxury$2,600$217
Sport Convertible$2,652$221
xDrive Convertible$2,652$221
xDrive Executive Convertible$2,652$221
xDrive Sport Convertible$2,652$221
xDrive Gran Coupe Sport$2,666$222
Convertible$2,772$231
Executive Convertible$2,804$234
Coupe$2,836$236
Executive Coupe$2,900$242
Sport Coupe$2,900$242
xDrive Coupe$2,946$246
xDrive Executive Coupe$2,946$246
xDrive Sport Coupe$3,010$251
Competition Convertible$3,020$252

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 2021 BMW 430i for different driver ages.

2021 BMW 430i Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,789$816
17$9,530$794
18$8,622$719
19$7,806$651
20$5,994$500
21$5,718$477
22$5,129$427
23$4,167$347
24$3,953$329
25$3,204$267
30$2,944$245
35$2,826$236
40$2,754$230
45$2,566$214
50$2,426$202
55$2,268$189
60$2,276$190
65$2,430$203
70$2,612$218
75$3,062$255
80$3,780$315

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.