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BMW 230i Car Insurance Cost

Securing insurance for a BMW 230i usually costs around $2,279 annually with USAA. Yet, the final price may differ depending on factors such as your age, the car’s model year, and other relevant considerations. You can utilize the quote tables below to obtain a personalized estimate of your potential insurance expenses.

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Updated: 06 October 2024

Written by Bob Phillips

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When contemplating the purchase of a BMW 230i, it’s vital to consider the cost of insurance. Insurance plays a significant role in car ownership, and it’s crucial to comprehend the financial commitment beforehand.

Selecting the appropriate car insurance is essential to prevent unexpected and potentially costly surprises in the future. Having adequate coverage in the event of an accident is important to avoid substantial out-of-pocket expenses. Additionally, being found at fault in an accident could lead to increased premiums.

Based on more than a decade of experience analyzing car insurance rates, I’ve observed significant variations in these costs. Your age, driving history, and location are all significant factors that can influence your insurance premiums.

How Much Does BMW 230i Car Insurance Cost?

Usually, USAA offers the most favorable option, with an annual cost of approximately $2,279 for comprehensive insurance on a 2024 BMW 230i.

While USAA’s rate provides a helpful 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.

2024 BMW 230i Insurance Rates

Insurance Provider	Average Annual Cost
USAA	$2,279
21st Century	$3,452
Metropolitan	$3,987
Grange	$3,100
Hartford	$3,624
Farmers	$3,423
Nationwide	$3,911
California Capital	$3,481
Unitrin	$3,132
State Farm	$3,376

2023 BMW 230i Insurance Rates

Insurance Provider	Average Annual Cost
Mercury	$1,561
State Farm	$2,316
Farmers	$2,256
California Capital	$1,414
Travelers	$2,184
USAA	$2,043
Grange	$2,147
Metropolitan	$1,646
21st Century	$1,761
Hartford	$2,309

2022 BMW 230i Insurance Rates

Insurance Provider	Average Annual Cost
Hastings Mutual Insurance Co	$643
Western Reserve	$1,311
National General	$813
Buckeye Insurance Group	$780
GMAC Insurance Group	$1,631
Safeco	$880
Grange Mutual	$1,325
Kemper Auto \| Infinity	$589
Texas Farm Bureau Group	$1,245
North Carolina Farm Bureau	$1,298

2021 BMW 230i Insurance Rates

Insurance Provider	Average Annual Cost
Allied	$2,159
North Carolina Farm Bureau	$1,324
MO Farm Bureau Services	$2,011
GMAC Insurance Group	$1,427
New Jersey Manufacturers	$1,491
Donegal Mutual Insurance Co	$1,521
Pekin Insurance	$1,667
Texas Farm Bureau Group	$1,543
American Independent Ins Co	$1,786
Atlantic States Insurance	$1,732

2020 BMW 230i Insurance Rates

Insurance Provider	Average Annual Cost
Tennessee Farmers	$1,240
MO Farm Bureau Services	$1,667
Westfield	$1,700
New York Central Mutual Fire	$1,082
Direct Auto	$1,437
Pekin Insurance	$982
Hastings Mutual Insurance Co	$1,498
Grange Mutual	$1,712
SECURA Insurance	$1,475
NatGen Value	$1,495

2019 BMW 230i Insurance Rates

Insurance Provider	Average Annual Cost
National Grange Mutual	$1,758
Direct Auto	$1,307
Farm Bureau Mutual (IA Group)	$1,568
Mississippi Farm Bureau	$1,720
Norfolk and Dedham Group	$1,279
Plymouth Rock Assurance	$1,695
Safety Group	$1,188
ACE American Pool	$1,724
Arbella Insurance Group	$1,829
Pekin Insurance	$1,493

2018 BMW 230i Insurance Rates

Insurance Provider	Average Annual Cost
American National P	$321
Safeco	$445
Cincinnati Insurance	$1,872
Direct Auto	$1,326
New Jersey Manufacturers	$1,487
Mississippi Farm Bureau	$1,676
Penn National	$1,382
Virginia Farm Bureau	$1,006
Texas Farm Bureau Group	$1,457
Southern Farm Bureau	$1,165

2017 BMW 230i Insurance Rates

Insurance Provider	Average Annual Cost
Norfolk and Dedham Group	$1,330
Hastings Mutual Insurance Co	$1,133
Grange Mutual	$1,034
Texas Farm Bureau Group	$1,126
Buckeye Insurance Group	$615
Mutual Of Enumclaw	$1,126
Western Reserve	$1,214
American National P	$390
Auto-Owners Insurance Co	$941
Safety Group	$1,277

Compare BMW 230i To Other BMW Models

Looking for other BMW model insurance costs?

Our Methodology

To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.

105

Quotes Analyzed

Brands Reviewed

40+

Research Hours

15+

Years Of Experience