- BMW 430i insurance costs an average of $2,940 per year, or around $245 per month for full coverage.
- Car insurance rates for a BMW 430i range from $2,888 to $2,994 annually for an average driver, depending on trim level.
- The BMW 430i ranks 20th out of 34 vehicles in the midsize luxury car class for insurance affordability.
How much does BMW 430i insurance cost?
BMW 430i insurance costs an average of $2,940 per year for full coverage. Comprehensive (or other-than-collision) coverage costs an estimated $782 a year, liability and medical coverage will cost about $654, and the remaining collision coverage is around $1,504.
The following chart shows how average BMW 430i insurance rates vary based on the age of the rated driver and $250, $500, and $1,000 deductibles.
Which BMW 430i trim level costs least to insure?
With BMW 430i insurance cost ranging from $2,888 to $2,994 annually, the most budget-friendly trim level to insure is the Gran Coupe. The second cheapest trim level to insure is the Convertible at $2,930 per year. Anticipate paying a minimum of $241 per month to insure a 430i for full coverage.
The costliest models of BMW 430i to insure are the xDrive Coupe at $2,994 and the xDrive Convertible at $2,970 per year. Those trim levels will cost an extra $106 and $82 per year, respectively, over the lowest cost Gran Coupe model.
The table below shows average auto insurance rates, including a monthly budget estimate, for each 2024 BMW 430i trim level.
| 2024 BMW 430i Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Gran Coupe | $2,888 | $241 |
| Convertible | $2,930 | $244 |
| Coupe | $2,936 | $245 |
| xDrive Gran Coupe | $2,952 | $246 |
| xDrive Convertible | $2,970 | $248 |
| xDrive Coupe | $2,994 | $250 |
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. Updated June 27, 2025
How do BMW 430i insurance rates rank?
The BMW 430i ranks 20th out of 34 total vehicles in the 2024 midsize luxury car class for insurance affordability. The 430i costs $66 or 2.3% less per year than the average rate for comparable models.
The BMW 430i costs an average of $2,940 per year to insure for full coverage and the average for all comparable midsize luxury cars is $2,874 per year.
When BMW 430i car insurance rates are compared to the top-selling other midsize luxury cars, the BMW 430i costs $494 more per year than the Lexus ES 350, $92 more than the BMW 530i, $290 more than the Infiniti Q50, and $530 more than the Mercedes-Benz CLA250.
The chart below shows how 430i car insurance rates compare to other top-selling midsize luxury cars. You can also view an expanded table after the chart displaying typical insurance rates for every vehicle in the midsize luxury car segment, along with a difference column showing how each model compares to the 430i.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz CLA250 | $2,410 | -$530 |
| 2 | Lexus IS 300 | $2,414 | -$526 |
| 3 | Lexus ES 350 | $2,446 | -$494 |
| 4 | Mercedes-Benz AMG CLA35 | $2,456 | -$484 |
| 5 | Lexus RC 300 | $2,462 | -$478 |
| 6 | Jaguar XF | $2,476 | -$464 |
| 7 | Cadillac CT5 | $2,526 | -$414 |
| 8 | Lexus ES 250 | $2,534 | -$406 |
| 9 | Lexus ES 300h | $2,572 | -$368 |
| 10 | Audi A3 | $2,634 | -$306 |
| 11 | Infiniti Q50 | $2,650 | -$290 |
| 12 | Mercedes-Benz AMG CLA45 | $2,682 | -$258 |
| 13 | Audi S4 | $2,692 | -$248 |
| 14 | Mercedes-Benz EQE 350 | $2,724 | -$216 |
| 15 | BMW i4 | $2,734 | -$206 |
| 16 | Lexus IS 500 | $2,770 | -$170 |
| 17 | BMW 530i | $2,848 | -$92 |
| 18 | Audi S5 | $2,890 | -$50 |
| 19 | BMW 540i | $2,900 | -$40 |
| 20 | BMW 430i | $2,940 | -- |
| 21 | BMW i5 | $2,960 | $20 |
| 22 | Genesis G80 | $2,976 | $36 |
| 23 | Mercedes-Benz EQE 500 | $3,008 | $68 |
| 24 | Mercedes-Benz AMG C43 | $3,024 | $84 |
| 25 | Audi A6 | $3,036 | $96 |
| 26 | Tesla Model S | $3,070 | $130 |
| 27 | BMW 530e | $3,100 | $160 |
| 28 | Audi RS 5 | $3,106 | $166 |
| 29 | Audi S6 | $3,128 | $188 |
| 30 | BMW M440i | $3,206 | $266 |
| 31 | Audi A7 | $3,268 | $328 |
| 32 | Lexus LC 500h | $3,508 | $568 |
| 33 | Audi S7 | $3,624 | $684 |
| 34 | BMW M8 | $3,948 | $1,008 |
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 vehicle from the 2024 model year. Updated June 26, 2025
The table above ranks models strictly based on average insurance cost. A different approach is to discover how the cost of insurance for a BMW 430i compares to midsize luxury sedan models with similar purchase price.
Comparing insurance rates for similarly priced models is useful for those who are shopping within a budget, but want to have the lowest insurance rates.
For the 2024 model year, the average purchase price for a BMW 430i is $53,100, before destination charges and dealer fees.
The vehicles closest in cost to the BMW 430i are the Jaguar XF, Mercedes-Benz AMG CLA35, Cadillac CT5, and Infiniti Q50.
The next list shows how they compare to a BMW 430i for price and average cost to insure.
- Compared to the Jaguar XF – The cost of the Jaguar XF averages $1,450 less than the MSRP for the BMW 430i ($51,650 compared to $53,100). Insuring the Jaguar XF costs an average of $464 less annually than the BMW 430i.
- Compared to the Mercedes-Benz AMG CLA35 – The Mercedes-Benz AMG CLA35 has an average retail price of $50,610, ranging from $49,800 to $53,320, which is $2,490 cheaper than the average MSRP for the BMW 430i. Anticipate paying an average of $484 less every 12 months for full-coverage insurance on the Mercedes-Benz AMG CLA35 compared to a 430i.
- Compared to the Cadillac CT5 – Having an average sticker price of $50,584 ($38,395 to $93,495), the Cadillac CT5 costs $2,516 less than the average cost of the BMW 430i. Car insurance on the Cadillac CT5 costs an average of $414 less annually than the BMW 430i.
- Compared to the Infiniti Q50 – The Infiniti Q50 has an average sticker price of $50,346 ($43,725 to $58,500), which is $2,754 cheaper than the BMW 430i. Drivers can expect to pay around $290 less every 12 months to insure the Infiniti Q50 compared to a 430i.
Additional BMW 430i insurance rates and insights
Some additional rate scenarios for the BMW 430i can be found below, along with some tips for finding possible policy discounts.
- BMW 430i insurance for teenagers can be very expensive. Average rates for full coverage 430i insurance costs $10,241 per year for a 16-year-old driver, $10,000 per year for a 17-year-old driver, and $9,108 per year for an 18-year-old driver.
- Careful drivers have lower rates. Having a few at-fault accidents can really raise rates, possibly as much as $1,404 per year for a 30-year-old driver and even as much as $838 per year for a 50-year-old driver.
- Young male drivers pay the highest rates. For a 2024 BMW 430i, a 20-year-old male driver will pay an estimated rate of $5,916 per year, while a 20-year-old female will pay an average of $4,230, a difference of $1,686 per year. Women get significantly cheaper rates. But by age 50, the cost for a male driver is $2,590 and rates for female drivers are $2,534, a difference of only $56.
- Increasing deductibles lowers insurance cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $516 per year for a 40-year-old driver and $1,018 per year for a 20-year-old driver.
- Low physical damage deductibles may be wasting money. Decreasing your deductibles from $500 to $250 could cost an additional $544 per year for a 40-year-old driver and $1,078 per year for a 20-year-old driver.
- Obey driving laws to save money. To get the cheapest 430i insurance rates, it’s necessary to follow the law. Just one or two minor moving violations could increase 430i insurance rates by at least $772 per year.
- Expect to pay a lot for high risk insurance. For a 40-year-old driver, having too many driving record violations or accidents can increase the cost by $3,524 or more per year.