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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Updated: 20 April 2025
Written by Bob Phillips
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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

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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.

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.

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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.

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