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BMW 320I Car Insurance

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The BMW 320i is a sport-compact sedan known for balancing driving dynamism with refinement. It attracts drivers seeking a premium, agile experience in a practical size suited to daily use.

BMW 320I CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the BMW 320i vary significantly, dropping from $8413 in 2021 to $1718 in 2022, then fluctuating between $1449 and $1908 through 2025, before settling at $1329 in 2026. This volatility points to an irregular data sample rather than a stable trend.

To find the best insurance for your BMW 320I vehicle, it is more important than ever to compare the available options.

How much does insurance for your BMW 320I cost in Quebec?

The highest premiums for the BMW 320i are found in Repentigny ($2631), Montreal ($2234), and Saint-Jean-sur-Richelieu ($2170), while Brossard ($919) and Terrebonne ($1009) show the lowest amounts. The gap between these cities is significant, exceeding $1700.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
BROSSARD $919.26
GATINEAU $1518.10
LAVAL $1441.90
LÉVIS $1535.35
LONGUEUIL $1551.07
MONTRÉAL $2233.98
QUÉBEC $1545.90
REPENTIGNY $2631.26
Saguenay $1928.03
SAINT-JEAN-SUR-RICHELIEU $2170.28
SAINT-JÉRÔME $1224.29
SHERBROOKE $1278.57
TERREBONNE $1009.34
TROIS-RIVIÈRES $1362.04

Frequently asked questions (FAQ)

How much does it cost to insure a BMW 320i?
The average premium varies by year, ranging from $1329 in 2026 to $1908 in 2025, with an unusual spike of $8413 in 2021 that appears atypical compared to other years.
Why do BMW 320i premiums fluctuate so much year to year?
The data shows significant swings, notably an exceptional $8413 amount in 2021 compared to $1718 in 2022. These variations may reflect changes in the sample of drivers or claims assessed.
Which city offers the lowest insurance cost for a BMW 320i?
Based on the data provided, Brossard ($919) and Terrebonne ($1009) post the lowest average premiums for this model.
Where is BMW 320i insurance most expensive?
Repentigny ($2631), Montreal ($2234), and Saint-Jean-sur-Richelieu ($2170) show the highest average premiums among the provided cities.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
What factors influence the premium for a BMW 320i?
Parts costs, its classification as a premium vehicle, and a higher replacement value contribute to premiums generally above those of mainstream sedans.
How can I compare insurance prices for a BMW 320i?
Getting multiple quotes from different insurers helps identify differences, which can be considerable depending on the city and driver profile.

Offers received by our customers on BMW 320I cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/08/2026