BMW 430i Car Insurance Cost 2025
On average, insuring a BMW 430i costs $1,700 per year. However, the actual cost may vary based on factors such as your age, the model year of the car, and other individual considerations. You can use our quote tables below to estimate your specific insurance costs.
We’ve saved shoppers an average of $600 per year on their car insurance.
The average cost to insure a 2025 BMW 430i typically ranges from $1,700 to $3,100 per year, depending on your location, driving history, age, and coverage preferences. As a luxury coupe with turbocharged performance, high-end materials, and advanced driver-assist features, the 430i generally costs more to insure than a standard midsize sedan.
Its repair costs, brand reputation, and potential risk profile all factor into higher premiums. That said, it’s still less expensive to insure than some of BMW’s higher-performance or M models. Comparing quotes and exploring available discounts can help drivers find more affordable rates for their BMW 430i coverage.
How Much Does BMW 430i Car Insurance Cost?
BMW 430i drivers typically pay an average of $1,700 per year for car insurance.
While Unitrin’s rate provides a useful benchmark, 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 430i By Model Year
| Model Year | Average Premium |
| 2025 BMW 430i | $2,639 |
| 2024 BMW 430i | $2,549 |
| 2023 BMW 430i | $1,966 |
| 2022 BMW 430i | $2,286 |
| 2021 BMW 430i | $1,505 |
| 2020 BMW 430i | $2,310 |
| 2019 BMW 430i | $950 |
| 2018 BMW 430i | $1,328 |
| 2017 BMW 430i | $1,260 |
2025 BMW 430i Insurance Rates
The average annual insurance cost for a 2025 BMW 430i is $2,639. However, USAA offers the cheapest rates, averaging $2,104 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $2,781 |
| USAA | $2,104 |
| Nationwide | $2,146 |
| Mercury | $2,439 |
| California Capital | $2,455 |
| 21st Century | $2,517 |
| Farmers | $2,658 |
| CSAA | $3,057 |
| Allied | $3,117 |
| State Farm | $3,118 |
2024 BMW 430i Insurance Rates
The average annual insurance cost for a 2024 BMW 430i is $1,710. However, Unitrin offers the cheapest rates, averaging $1,786 per year.
| Insurance Provider | Average Annual Cost |
| 21st Century | $2,474 |
| CSAA | $3,071 |
| Allied | $3,166 |
| Unitrin | $1,786 |
| Farmers | $2,668 |
| USAA | $2,102 |
| State Farm | $3,137 |
| California Capital | $2,431 |
| Mercury | $2,466 |
| Nationwide | $2,191 |
2023 BMW 430i Insurance Rates
The average annual insurance cost for a 2023 BMW 430i is $1,966. However, Direct Auto offers the cheapest rates, averaging $1,268 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $2,281 |
| California Capital | $2,305 |
| USAA | $2,043 |
| Direct Auto | $1,268 |
| Nationwide | $1,700 |
| National General Value | $2,273 |
| Texas Farm Bureau Group | $2,047 |
| Unitrin | $2,307 |
| Penn National | $1,672 |
| Erie | $1,766 |
2022 BMW 430i Insurance Rates
The average annual insurance cost for a 2022 BMW 430i is $2,286. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,516 per year.
| Insurance Provider | Average Annual Cost |
| Tennessee Farmers | $1,865 |
| Grange Mutual | $1,950 |
| Liberty Mutual | $2,280 |
| North Carolina Farm Bureau | $2,122 |
| Auto-Owners Insurance Co | $2,572 |
| Westfield | $2,298 |
| Penn National | $2,798 |
| GMAC Insurance Group | $2,677 |
| Texas Farm Bureau Group | $1,516 |
| Allied | $2,780 |
2021 BMW 430i Insurance Rates
The average annual insurance cost for a 2021 BMW 430i is $1,505. However, Westfield offers the cheapest rates, averaging $711 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,293 |
| Norfolk and Dedham Group | $2,098 |
| Mercury Insurance | $1,362 |
| New York Central Mutual Fire | $1,759 |
| Auto-Owners Insurance Co | $1,597 |
| Safeco | $709 |
| Capital Insurance Group | $1,596 |
| Westfield | $711 |
| Plymouth Rock Assurance | $1,600 |
| American Family | $2,324 |
Find Affordable BMW 430i Insurance Rates
2020 BMW 430i Insurance Rates
The average annual insurance cost for a 2020 BMW 430i is $2,310. However, New Jersey Manufacturers offers the cheapest rates, averaging $1,293 per year.
| Insurance Provider | Average Annual Cost |
| New Jersey Manufacturers | $1,293 |
| Farmers | $3,060 |
| Virginia Farm Bureau | $2,309 |
| USAA | $3,279 |
| Direct Auto | $1,613 |
| 21st Century | $2,548 |
| Safeco | $1,639 |
| Home State Ins Group | $2,569 |
| CSAA | $2,482 |
| California Capital | $2,303 |
2019 BMW 430i Insurance Rates
The average annual insurance cost for a 2019 BMW 430i is $950. However, NatGen Custom 360 offers the cheapest rates, averaging $922 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $922 |
| Kemper Auto | Infinity | $1,243 |
| Texas Farm Bureau Group | $1,033 |
| Utica National Ins Group | $1,149 |
| Buckeye Insurance Group | $688 |
| Tennessee Farmers | $1,162 |
| American National P | $808 |
| Plymouth Rock Assurance | $866 |
| Safeco | $490 |
| Titan | $1,141 |
2018 BMW 430i Insurance Rates
The average annual insurance cost for a 2018 BMW 430i is $1,328. However, Safeco offers the cheapest rates, averaging $162 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,010 |
| Mercury Insurance | $1,228 |
| Auto-Owners Insurance Co | $1,750 |
| Farm Bureau Mutual (IA Group) | $1,725 |
| Shelter | $1,505 |
| Kemper Personal Insurance | $1,388 |
| Safeco | $162 |
| Texas Farm Bureau Group | $951 |
| Plymouth Rock Assurance | $1,719 |
| Safety Group | $1,840 |
2017 BMW 430i Insurance Rates
The average annual insurance cost for a 2017 BMW 430i is $1,260. However, Safeco offers the cheapest rates, averaging $367 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,952 |
| Southern Farm Bureau | $1,860 |
| Safeco | $367 |
| Mercury Insurance | $564 |
| American National P | $1,005 |
| Mercury Insurance Company | $1,662 |
| New York Central Mutual Fire | $1,395 |
| SECURA Insurance | $1,282 |
| Kemper Personal Insurance | $992 |
| Farm Bureau Mutual (IA Group) | $1,519 |
Find Affordable BMW 430i Insurance Rates
Are BMW 430is Expensive To Insure?
Yes, BMW 430i models are generally more expensive to insure than standard sedans. As part of BMW’s luxury coupe lineup, the 430i features high-end materials, advanced technology, and turbocharged performance—all of which contribute to elevated repair costs and, in turn, higher insurance premiums. Its sleek design and sporty appeal may also place it in a higher-risk category for some insurers. While not as costly to insure as BMW M models, the 430i still commands above-average rates. Factors like driver age, location, claims history, and coverage choices will all affect the final insurance premium for this vehicle.
Cheapest Car Insurance Companies For A BMW 430i
These insurance providers offer some of the most competitive rates for the BMW 430i in 2025. Unitrin stands out with the lowest estimated annual premium, making it an attractive option for cost-conscious drivers. USAA and Nationwide also provide affordable rates, closely following Unitrin. Mercury and California Capital 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 |
| Unitrin | $149 |
| USAA | $175 |
| Nationwide | $179 |
| Mercury | $203 |
| California Capital | $205 |
Common BMW 430i Insurance Discounts
Discounts are an excellent way to reduce your car insurance premiums. While each provider has its own offerings, here are some common discounts to check:
- Multi-policy: Bundling your auto and home insurance with the same company can earn you a discount.
- Pay annually: Paying your premium in one full payment instead of monthly installments may lower your rate.
- Defensive driving: Completing a certified defensive driving course can qualify you for discounted rates.
Additional discounts may be available, so it’s a good idea to consult with your insurance agent to find those you’re eligible for.
Compare BMW 430i To Other BMW Models
Looking for other BMW model insurance costs?
- BMW228xi Car Insurance
- BMW 230i Car Insurance
- BMW230xi Car Insurance
- BMW 330i Car Insurance
- BMW 330xi Car Insurance
- BMW 430xi Car Insurance
- BMW 440i Car Insurance
- BMW 440xi Car Insurance
- BMW 530 Car Insurance
- BMW 530e Car Insurance
- BMW 530xe Car Insurance
- BMW 540 Car Insurance
- BMW 540xd Car Insurance
- BMW 640 Car Insurance
- BMW 650 Car Insurance
- BMW 7 Series 740 Car Insurance
- BMW 7 Series 745xe Car Insurance
- BMW 7 Series 750 Car Insurance
- BMW 8 Series 840i Car Insurance
- BMW 8 Series 840xi Car Insurance
- BMW Alpina B6 Car Insurance
- BMW Alpina B7 Car Insurance
- BMW M2 Car Insurance
- BMW M4 Car Insurance
- BMW M6 Car Insurance
- BMW M8 Car Insurance
- BMW X4 Car Insurance
- BMW i8 Car Insurance
- BMW X1 Car Insurance
- BMW i3 Car Insurance
- BMW M5 Car Insurance
- BMW X3 Car Insurance
- BMW X5 Car Insurance
- BMW X7 Car Insurance
- BMW Z4 Car Insurance
- BMW X6 Car Insurance
- BMW X2 Car Insurance
Our Methodology
To calculate average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was 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 specific circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A BMW 430i?
Yes, you must provide proof of insurance before driving your BMW 430i off the dealership lot. It’s best to purchase a policy beforehand and inform your insurance company about the upcoming car purchase, rather than opting for insurance through the dealership.
How Can You Get The Cheapest Insurance For Your BMW 430i?
The most effective way to secure the lowest rates for your BMW 430i is by shopping around and comparing quotes from various auto insurance providers. Fortunately, Insuranceopedia lets you easily compare quotes from multiple companies directly on our website.
