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Cheapest Bmw 430i Car Insurance (Jun 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Bmw 430i
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Bmw 430i car insurance cost? 

On average, Bmw 430i drivers spend $89 each month on state minimum car insurance and $150 per month for full coverage. Compared to other popular cars like the Jeep Gladiator, Lexus RX, and Hyundai Accent, the Bmw 430i is 2% less expensive to insure. 
However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Bmw 430i insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Bmw 430i car insurance quotes

This may feel complicated, but it doesn’t have to be.
Jerry
is a
car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Bmw 430i drivers save an average of $0 per year on their car insurance. 
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
June 13, 2024
BMW 430i Gran Coupe
Clearcover
$213
• 50,000/100,000 Liability
• Comp / Collision
June 13, 2024
BMW 430i Gran CoupeAllstate
$411
• State Minimum Liability
• Comp / Collision
June 2, 2024
BMW 430iSafeco
$194
• State Minimum Liability
• Comp / Collision
May 31, 2024
BMW 430i Gran CoupeProgressive
$278
• 50,000/100,000 Liability
• Comp / Collision
May 29, 2024
BMW 430iNationwide
$243
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024
However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Bmw 430i, you’ll need to
get car insurance quotes
from at least three insurance companies.

The best car insurance companies for Bmw 430i owners

There’s no single best insurance company for all Bmw 430i owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
But that doesn’t mean we can’t find the best insurance company for you
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Bmw 430i?

The average cost of Bmw 430i insurance is $150 per month for full coverage and $89 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more. 
  • Minimum coverage insurance
    is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance. 
  • Full coverage insurance
    provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is
the best way to shop for insurance
. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies. 
Check out the table below to see the average cost of auto insurance for some popular Bmw 430i trims.
Lower my car insurance too!

Bmw 430i insurance cost by model year

The more recently your Bmw 430i was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Bmw 430is provided by Jerry to better understand how your driver profile might affect your cost.

2023 Bmw 430i car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here's what Jerry drivers pay to insure their 2023 Bmw 430i:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2023
BMW 430i
Progressive
$216
• State Minimum Liability
• Comp / Collision
2023
BMW 430i
Bristol West
$179
• State Minimum Liability
coverageLast Updated Jun 13, 2024

2022 Bmw 430i car insurance quotes

It's important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Bmw 430i drivers below:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$163
• 50,000/100,000 Liability
• Comp / Collision
2022
BMW 430i
Progressive
$179
• State Minimum Liability
• Comp / Collision
Safeco
$338
• 100,000/300,000 Liability
• Comp / Collision
2022
BMW 430i
Bristol West
$158
• State Minimum Liability
Clearcover
$213
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024

2021 Bmw 430i car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Bmw 430i:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2021
BMW 430i
Progressive
$87
• 50,000/100,000 Liability
2021
BMW 430i
Travelers
$80
• 100,000/300,000 Liability
• Comp / Collision
2021
BMW 430i
Safeco
$90
• State Minimum Liability
• Comp / Collision
2021
BMW 430i
Bristol West
$184
• State Minimum Liability
2021
BMW 430i
Aspire Advantage
$102
• State Minimum Liability
coverageLast Updated Jun 7, 2024
If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Bmw 430i with our real quote examples below:

2020 Bmw 430i car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$164
• 100,000/300,000 Liability
• Comp / Collision
2020
BMW 430i
Safeco
$239
• 100,000/300,000 Liability
• Comp / Collision
2020
BMW 430i
Bristol West
$534
• 50,000/100,000 Liability
• Comp / Collision
2020
BMW 430i
National General
$64
• State Minimum Liability
2020
BMW 430i
Bristol West
$86
• No Coverage Liability
coverageLast Updated Jun 12, 2024

2019 Bmw 430i car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$106
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$210
• 50,000/100,000 Liability
• Comp / Collision
2019
BMW 430i
Travelers
$331
• State Minimum Liability
• Comp / Collision
National General
$482
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$136
• No Coverage Liability
coverageLast Updated Jun 11, 2024

2018 Bmw 430i car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$167
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$146
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$160
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$411
• State Minimum Liability
• Comp / Collision
Infinity
$304
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024

2017 Bmw 430i car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$300
• State Minimum Liability
• Comp / Collision
Safeco
$151
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$214
• 50,000/100,000 Liability
• Comp / Collision
2017
BMW 430i
Clearcover
$165
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$129
• State Minimum Liability
coverageLast Updated Jun 7, 2024

See All Bmw 430i Insurance Information by Year

Are Bmw 430is expensive to insure? 

The average Bmw 430i insurance rate is $89 per month. Compared to the national average for other models from a similar price range, it is 2% less expensive to insure a Bmw 430i .
CarMonthly minimum coverage costMonthly full coverage cost
Tesla Model 3
$100
$223
Lincoln Town
$93
$172
Audi A8
$101
$229
Jaguar F-Pace
$95
$220
Mercedes-Benz GLS
$124
$246
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

What other factors affect Bmw 430i insurance rates?

Many factors influence your
car insurance rate
, such as:
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Bmw 430i insurance cost for young drivers

Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.
card cover
Mamie (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$278
per month
card cover
Clearcover
Lester (24 years old)
coverageCoverage
State Minimum
carBMW 430i
$105
per month
card cover
Bradley (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$482
per month
card cover
Charlotte (24 years old)
coverageCoverage
carBMW 430i
$184
per month

Bmw 430i insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. 
Car insurance rates for seniors
 tend to be higher for several reasons. 
Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
card cover
Pauline (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carBMW 430i
$64
per month
card cover
Glenn (72 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carBMW 430i
$78
per month

Bmw 430i insurance cost for drivers with driving violations 

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.  
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Bmw 430i drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. 
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Bmw 430i drivers obtain affordable auto insurance rates after a DUI.
card cover
Gordon (35 years old)
coverageCoverage
0,000 per person
0,000 per accident bodily injury
carBMW 430i
$178
per month

Cheapest car insurance for Bmw 430i drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history. 
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Bmw 430i drivers save on car insurance after car accidents.
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
BMW 430i Gran CoupeProgressive
$323
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
BMW 430iTravelers
$246
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
BMW 430iSafeco
$191
• State Minimum Liability
• Comp / Collision
Not At Fault
BMW 430i Gran CoupeNationwide
$247
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
BMW 430i Gran CoupeNational General
$178
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024

Cheapest car insurance for Bmw 430i drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase. 
We’ve compiled a list of various other driving violations and how we helped Bmw 430i drivers with these violations save on their car insurance.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Careless Driving
BMW 430iBristol West
$178
• 0,000/0,000 Liability
Driving on Sus. License
BMW 430i Gran CoupeAllstate
$411
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 12, 2024

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle. 
  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your
    car insurance deductible
    is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can
    reduce coverage
    on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on. 
  • Bundle your insurance policies:
    Bundling your homeowners and auto insurance
    with the same company can amount to a lower overall bill. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.