How much is insurance on a BMW 330i?
A 2024 BMW 330i runs about $2,850 a year for a typical 45-year-old, $910 more than an average car of the same age, because of higher crash-repair losses and higher non-crash losses. Putting a new 16-year-old on a family policy with the 330i adds about $1,880 a year (#3 of 4 midsize luxury cars we compare).
2024 BMW 330i (330i Sedan), national average
about $2,850 a year (about $240 a month)
Estimated range: $1,900–$4,100. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2006 330i drops to about $2,020 (see the table below).
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Priced for the 2024 330i Sedan, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the BMW 330i's rank is the same in every state.
Why the BMW 330i costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 2 versions (BMW 3 series 4dr and BMW 3 series 4dr 4WD). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 140 for crash repairs, 112 for non-crash damage, 107 for damage to others' property, and 102 for injury claims.
- Crash repairs (collision)fixing this car after a crashWorse than average40% worse than average2nd best of the 4 midsize luxury cars we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage12% worse than average3rd best of the 4 midsize luxury cars we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage7% worse than averageworst of the 4 midsize luxury cars we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 2% more often than average3rd best of the 4 midsize luxury cars we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the BMW 330i comes out about 32% worse than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add an adjustment fitted to those prices. With it, the part of the bill that fixes the car is about 93% more than average: about $1,840 a year vs $950. On the liability side, damage to others and injury claims combine to about 4% worse than average. We count about half, so that part is about 2% more: $1,010 a year vs $990.
In EPA size classes, the 330i is a small car (gas-powered). In Highway Loss Data Institute loss tables, the BMW 330i is benchmarked against midsize luxury cars.
- Expensive and electric cars can cost more or less to insure than their repair records suggest.
Matched to HLDI series “BMW 3 series 4dr; BMW 3 series 4dr 4WD” (HLDI, 2022–24 models).
A used BMW 330i, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 330i Sedan (0–3 years old) | about $2,850 | about $1,010 | +$1,880 | about $8,180 |
| 2022 330i Sedan (4–7 years old) | about $2,630 | about $1,010 | +$1,740 | about $7,550 |
 2018 330i (8–12 years old) | about $2,160 | about $810 | +$1,430 | about $6,210 |
 2006 330i (13 or more years old) | about $2,020 | about $920 | +$1,330 | about $5,800 |
Our catalog covers the BMW 330i across model years 2006, 2017–2026. Full coverage on a used 2006 330i (13 or more years old) runs about $2,020 a year, $830 less than on a 2024. Dropping collision and comprehensive on that 2006 brings liability-only coverage to about $920 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 BMW 330i trims, full coverage goes from about $2,740 a year on the 330i xDrive Sedan to about $2,850 on the 330i Sedan, because HLDI's loss results differ by body, drive, or powertrain.
- 330i xDrive Sedan: about $2,740
- 330i Sedan: about $2,850
On a policy of their own with a 2024 BMW 330i, a 22–25-year-old pays about $3,710 a year ($860 more than a 45-year-old), a 26–39-year-old about $3,170, and a driver 65 and older about $2,990.
Adding a 16-year-old with a BMW 330i
A new driver costs more with any car, and more than usual with the BMW 330i: adding a 16-year-old raises the family bill by about $1,880 a year ($155 a month), $600 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $8,180 a year ($6,300 more than adding them to the family policy).
For adding a teen driver, the BMW 330i ranks 4th most expensive out of all 121 models we track. Stepping down to a used 2006 330i (13 or more years old) brings the teen add-on to about $1,330 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar midsize luxury cars
Among these 4 midsize luxury cars, the BMW 330i is the 2nd most expensive to insure. Right next to it are the Tesla Model 3 (about $2,790 a year) and the Mercedes-Benz C-Class (about $3,020).
2024 Lexus ESabout $2,250 ($600 less)
2024 Tesla Model 3about $2,790 (about the same)- 2024 BMW 330iabout $2,850 (this car)
2024 Mercedes-Benz C-Classabout $3,020 ($170 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a BMW 330i costs in your state
In six sample states, a 2024 BMW 330i runs from about $1,940 a year in Idaho through Wyoming, Virginia, Missouri and Colorado to about $3,760 in New York:
- Idahoabout $1,940/yr · +$1,280 teen
- Wyomingabout $2,340/yr · +$1,540 teen
- Virginiaabout $2,450/yr · +$1,620 teen
- Missouriabout $2,620/yr · +$1,730 teen
- Coloradoabout $3,280/yr · +$2,170 teen
- New Yorkabout $3,760/yr · +$2,480 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.