BMW 330xi Car Insurance Cost 2025
On average, insuring a BMW 330xi costs $2,000 per year. However, the actual cost may vary depending on factors like your age, the car’s model year, and other personal details. Use our quote tables below to estimate your specific insurance costs.
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The average cost to insure a 2025 BMW 330xi typically falls between $2,000 and $3,500 per year, depending on individual driver profiles and coverage levels. As an all-wheel drive version of BMW’s popular 3 Series sedan, the 330xi combines luxury, performance, and advanced safety features—all of which can increase repair costs and insurance premiums.
Compared to non-luxury vehicles, the 330xi is more expensive to insure, though it’s still more affordable than high-end BMW M models. Factors like driving history, location, age, and deductible choices also influence pricing. Shopping around and comparing quotes can help reduce overall insurance costs significantly.
How Much Does BMW 330i Car Insurance Cost?
BMW 330xi drivers typically pay an average of $2,000 per year for car insurance.
While New York Central Mutual Fire’s rate provides a useful starting point, it’s important to understand that car insurance costs can vary significantly due to several factors. These factors include your location, driving history, car age, and the specific coverage options you choose. Maintaining a clean driving record often results in lower premiums, while a history of accidents or traffic violations can increase rates.
Additionally, living in a busy urban area typically leads to higher insurance rates compared to quieter rural areas. The type of coverage you select also impacts your premium – comprehensive coverage, which includes both comprehensive and collision coverage, will be more expensive than basic liability coverage.
At Insuranceopedia, we’re here to help you compare quotes from different insurance providers to ensure you find the most favorable deal.
Average Insurance Cost Of BMW 330xi By Model Year
| Model Year | Average Premium |
| 2025 BMW 330xi | $3,747 |
| 2024 BMW 330xi | $3,759 |
| 2023 BMW 330xi | $2,477 |
| 2022 BMW 330xi | $1,336 |
| 2021 BMW 330xi | $1,336 |
| 2020 BMW 330xi | $1,233 |
| 2019 BMW 330xi | $1,228 |
2025 BMW 330xi Insurance Rates
The average annual insurance cost for a 2025 BMW 330xi is $3,747. However, New York Central Mutual Fire offers the cheapest rates, averaging $1,994 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $1,994 |
| Erie | $2,519 |
| Travelers | $2,990 |
| Allstate | $3,201 |
| USAA | $3,398 |
| Nationwide | $3,587 |
| State Farm | $3,801 |
| Hanover | $3,852 |
| Allstate | $5,579 |
| Encompass | $6,549 |
2024 BMW 330xi Insurance Rates
The average annual insurance cost for a 2024 BMW 330xi is $3,759. However, New York Central Mutual Fire offers the cheapest rates, averaging $1,984 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $2,970 |
| Preferred Mutual | $6,570 |
| Nationwide | $3,400 |
| Allstate | $3,838 |
| USAA | $3,249 |
| Hanover | $3,815 |
| New York Central Mutual Fire | $1,984 |
| Encompass | $5,621 |
| Erie | $2,561 |
| State Farm | $3,581 |
2023 BMW 330xi Insurance Rates
The average annual insurance cost for a 2023 BMW 330xi is $2,477. However, Auto-Owners Insurance Co offers the cheapest rates, averaging $1,759 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $2,671 |
| USAA | $2,647 |
| Auto-Owners Insurance Co | $1,759 |
| Mercury | $3,190 |
| California Capital | $2,407 |
| Country | $1,305 |
| Erie | $2,545 |
| Travelers | $2,989 |
| Unitrin | $3,479 |
| New York Central Mutual Fire | $1,780 |
2022 BMW 330xi Insurance Rates
The average annual insurance cost for a 2022 BMW 330xi is $1,336. However, Safeco offers the cheapest rates, averaging $508 per year.
| Insurance Provider | Average Annual Cost |
| Allied | $1,603 |
| PEMCO | $1,245 |
| Safeco | $508 |
| GMAC Insurance Group | $1,909 |
| Mutual Of Enumclaw | $1,312 |
| Oregon Mutual | $1,302 |
| Capital Insurance Group | $939 |
| Unigard | $1,391 |
| USAA | $1,839 |
| Mercury Insurance Company | $1,310 |
2021 BMW 330xi Insurance Rates
The average annual insurance cost for a 2021 BMW 330xi is $1,336. However, Direct Auto offers the cheapest rates, averaging $1,170 per year.
| Insurance Provider | Average Annual Cost |
| Norfolk and Dedham Group | $1,626 |
| Direct Auto | $1,170 |
| New Jersey Manufacturers | $1,468 |
| National General | $2,098 |
| Plymouth Rock Assurance | $1,170 |
| Texas Farm Bureau Group | $1,631 |
| Safety Group | $1,692 |
| Mercury Insurance | $1,553 |
| Virginia Farm Bureau | $2,155 |
| Country | $1,596 |
2020 BMW 330xi Insurance Rates
The average annual insurance cost for a 2020 BMW 330xi is $1,233. However, American National P offers the cheapest rates, averaging $546 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,628 |
| Plymouth Rock | $1,327 |
| SECURA Insurance | $828 |
| American National P | $546 |
| Direct Auto | $664 |
| Safeco | $732 |
| Mercury Insurance Company | $1,863 |
| North Carolina Farm Bureau | $1,519 |
| Southern Farm Bureau | $1,551 |
| Atlantic States Insurance | $1,670 |
2019 BMW 330xi Insurance Rates
The average annual insurance cost for a 2019 BMW 330xi is $1,228. However, Safeco offers the cheapest rates, averaging $231 per year.
| Insurance Provider | Average Annual Cost |
| Grange Mutual | $1,386 |
| PEMCO | $1,401 |
| New York Central Mutual Fire | $1,126 |
| Capital Insurance Group | $1,354 |
| American National P | $647 |
| Direct Auto | $1,690 |
| Safeco | $231 |
| Mercury Insurance | $1,353 |
| Buckeye Insurance Group | $1,451 |
| Unigard | $1,639 |
Find Affordable BMW 330xi Insurance Rates
Are BMW 330xis Expensive To Insure?
Yes, the BMW 330xi typically comes with above-average insurance costs. As an all-wheel drive luxury sports sedan, it features advanced technology, high-performance capabilities, and premium parts—all of which increase repair expenses and contribute to higher insurance premiums. Additionally, BMWs are considered higher risk by some insurers due to theft rates and repair complexity. While the 330xi is more affordable to insure than some M or electric models, it’s still pricier than standard sedans. Insurance rates will vary depending on factors like location, driving history, and coverage level, so comparing quotes is essential to finding the best rate.
Cheapest Car Insurance Companies For A BMW 330xi
These insurance providers offer some of the most competitive rates for the BMW 330xi in 2025. New York Central Mutual Fire stands out with the lowest estimated annual premium, making it an attractive option for cost-conscious drivers. Erie and Travelers also provide affordable rates, closely following New York Central Mutual Fire. USAA and Nationwide complete the list, offering reasonable premiums that balance cost with coverage. It’s important to note that actual insurance costs can vary based on factors such as driving history, location, and selected coverage options. Therefore, it’s advisable to obtain personalized quotes from these providers to determine the best fit for your specific needs.
| Insurance Company | Annual Premium |
| New York Central Mutual Fire | $166 |
| Erie | $210 |
| Travelers | $249 |
| USAA | $267 |
| Nationwide | $287 |
Common BMW 330xi Insurance Discounts
Discounts can be an effective way to reduce your car insurance costs. While specific offers vary by provider, here are some common discounts to explore:
- Multi-policy: Bundling your auto insurance with another policy, such as home insurance, can often lower your rate.
- Pay annually: Paying your premium in one lump sum instead of monthly installments may qualify you for a discount.
- Defensive driving: Completing a certified defensive driving course can make you eligible for reduced rates.
Other discounts may also be available. Speak with your insurance agent to discover additional opportunities tailored to your situation.
Compare BMW 330xi To Other BMW Models
Looking for other BMW model insurance costs?
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Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from leading providers. The sample profile represented a 40-year-old male purchasing full-coverage insurance with limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures in this guide may vary based on your individual circumstances.
Quotes Analyzed
Brands Reviewed
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FAQs
Do You Need Insurance Before You Can Purchase A BMW 330xi?
Yes, you will need to provide proof of insurance before driving your BMW 330xi off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about the car purchase, rather than relying on the dealership’s insurance options.
How Can You Get The Cheapest Insurance For Your BMW 330xi?
The best way to find the most affordable rates for your BMW 330xi is by shopping around and comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia allows you to easily compare quotes from multiple providers directly on our website.
